made my decision

elliesmemory1

I was like you and very scared about everything. when I went to court i got myself really worked up about it, but it was over very quickly and everyone there was really nice.
I did have to see the judge, but he was nice an understanding and I was only in with him for 5mins.
I was worried about the or interview too ,but again the lady was really nice and didnt judge. Just went through my forms and checked a few things that I had put down. She was friendly and quite normal and it was over quite quickly.
I think if you take proper advice and just tell the truth you will be ok. Dont try to hide anything and get everything off your chest.

mandyl

thankyou hardup
im telling them everything!
im one of those too honest people but in this case im gonna be nothing but honest.
even though hubby leaving didnt help me he didnt force me to spend money i didnt have. x

dojoman

mandyl wrote: »

just recieved my pack from cccs in the post, seing it written down in black and white has started me worrying again
can anyone reassure me on the or interview bit. really scared about it. feel like a criminal.

This was the part I was dreading:eek: but as the others have said it will be nowhere near as bad as you think.

mandyl

i spose dojoman that hopefully it wont be as bad as when, the man from moroncroft practically took my door down:eek:
all for £192. the best bit ,they accepted token payments two weeks later ! ummm lol

fatbelly

mandyl wrote: »

can anyone reassure me on the or interview bit. really scared about it. feel like a criminal.

Hi Mandyl

I think practices differ in different areas. It's certainly nothing to worry about.

But where I live (covered by Plymouth OR) not everyone gets called in for a face-to-face interview. From what I've observed, if you have had a business, you will probably get one. If you have not, you won't - just a phone call or two.

The courts do their bankruptcy appts in the morning, then fax your paperwork to the OR who tries to phone you at home in the afternoon.

Your local bankruptcy court should be able to reassure you if you're still concerned.

fb

P.S. And I've been to court with dozens of clients - not one has been called in to see a judge - in every case the bankruptcy clerk has told us to get a cup of coffee while she sorts out that side - we pick up the completed paperwork 30 minutes later.

mandyl

thanks fb,
so much going round and round in my poor head
are you told the br is accepted straight away? or do you have to wait a while for a decision.
thanks m

fermi

The decision on the bankruptcy is made there and then.

If you are clearly insolvent and have taken advice on what you are doing then the chances of the BR being refused are virtually nil.

mandyl

thanks fermi.
dunno if im more upset or angry with myself now, all this stress and worry cos i was basically an idiot

out_of_cash

hi mandy,

i was in and out in 40mins including phone interview with ORs office,court staff are helpful and you dont always see a judge,i didnt and i had very large debts.

good luck the relief you will feel after this is huge although sometimes it takes a while for it to sink in.

out of cash.

mandyl

thanks out of cash for your kind words x