The Bankruptcy Club & Supporters Club

Biffa

Hi Mike

Can I join too even though we were discharged from bankruptcy in July after just 7 months??

When is your BKY date? Hope all is going well

Mike_St_Helens

bluezone wrote:

Hi Mike,

Is it too late for me to join?

Bluezone x

Proud number 8 for you sweetness !

Mike_St_Helens

Biffa wrote:

Hi Mike

Can I join too even though we were discharged from bankruptcy in July after just 7 months??

When is your BKY date? Hope all is going well

You are more than welcome Biffa.. Honoured to pronounce you number 9

Im good ta.. My BJKY all set for 03/11... new joob starts monday, cant wait,.. Things are starting to look really good !

Goldielocks

Mike - count me in. Having gone throught the whole BR procedure now, I feel in the position to be able to give something back to others and offer some advice, answers and support.

G :beer:

Mike_St_Helens

Goldielocks wrote:

Mike - count me in. Having gone throught the whole BR procedure now, I feel in the position to be able to give something back to others and offer some advice, answers and support.

G :beer:

Fab #10 for you !

How did you find the whole thing?

Goldielocks

Number 10 it is then!

So far so good. The worry and anxiety before doing the whole thing was the worst thing. I worried constantly and kept thinking of situations or questions that might have cropped up. I was fine going to court as had heard from so many people it was just like going to the Post Office and more of a 'rubber-stamping' exercise. The court experience was fine, didn't even see the Judge!

I felt sick before the interview with the Examiner - really really nervous and worried. Panicking he would take my car, my belongings, chastise me for being a moron etc etc. How wrong I was. He was lovely, professional yet was a human being and had empathy and we even cracked a few jokes between us.

He was very 'generous' to me shall we say. I think the circumstances surrounding my need to go BR were in my favour - i.e. redundancy and then falling victim to a professional conman. I think if I had gone in there and said I'd gambled it all or spent it on drugs etc, he would have treated me differently. As it was, he was very fair to me. I have been allowed to keep my car which was my main worry, I've been given an IPA of £150 a month which again is fair. The only thing that has not been agreed is me keeping me laptop - but that's a small price to pay for 60K of debt wiped off.

All in all, I personally have found the BR process in this neck of the woods to be extremely efficient and swift. I got an appointment at the court quite quickly, saw the Examiner that day for an initial interview, then went back one week later for a proper interview with him. Communications by post have been very quick too. I have been very impressed with the way the Insolvency service has been run, in my case - all staff involved have been very professional and pleasant and I have been pushed through the system very quickly, without any problems. Well, no problems yet!

G

Mike_St_Helens

Goldielocks wrote:

Number 10 it is then!

So far so good. The worry and anxiety before doing the whole thing was the worst thing. I worried constantly and kept thinking of situations or questions that might have cropped up. I was fine going to court as had heard from so many people it was just like going to the Post Office and more of a 'rubber-stamping' exercise. The court experience was fine, didn't even see the Judge!

I felt sick before the interview with the Examiner - really really nervous and worried. Panicking he would take my car, my belongings, chastise me for being a moron etc etc. How wrong I was. He was lovely, professional yet was a human being and had empathy and we even cracked a few jokes between us.

He was very 'generous' to me shall we say. I think the circumstances surrounding my need to go BR were in my favour - i.e. redundancy and then falling victim to a professional conman. I think if I had gone in there and said I'd gambled it all or spent it on drugs etc, he would have treated me differently. As it was, he was very fair to me. I have been allowed to keep my car which was my main worry, I've been given an IPA of £150 a month which again is fair. The only thing that has not been agreed is me keeping me laptop - but that's a small price to pay for 60K of debt wiped off.

All in all, I personally have found the BR process in this neck of the woods to be extremely efficient and swift. I got an appointment at the court quite quickly, saw the Examiner that day for an initial interview, then went back one week later for a proper interview with him. Communications by post have been very quick too. I have been very impressed with the way the Insolvency service has been run, in my case - all staff involved have been very professional and pleasant and I have been pushed through the system very quickly, without any problems. Well, no problems yet!

G

Thats good to hear !!

Richard_S

Hi Goldielocks

How long do you have to pay the IPA for?

Rich

Goldielocks

Rich,

IPAs are set to run for 3 years, this is the same for everybody - of course you only pay the IPA if you have some sort of disposable income.

G

Mike_St_Helens

Dont forget guys, Im away for the week,. So ill issue membership badges out when im back !!

The more support we have, the more people are educated on what its all about !