The november 2011 br club

Nova2000

Hi all.

Went BR on the 23rd, next step is the OR telephone interview. Been lurking around this forum since I found out I was going to go BR and the information here has been incredibly useful. Apart from my immediate family no one else knows, haven't had the courage to tell my friends yet, feels so surreal at the moment but I hope I'll feel a bit more with it once the OR interview is done. They seemed nice on the phone when they rang me to book my interview, but I'm still wary about the whole thing at the moment.

Anyway, it's comforting to know I'm not the only one in this boat. Feel slightly less shame/idiotic now.

dojoman

Nova2000 wrote: »

Hi all.

Went BR on the 23rd, next step is the OR telephone interview. Been lurking around this forum since I found out I was going to go BR and the information here has been incredibly useful. Apart from my immediate family no one else knows, haven't had the courage to tell my friends yet, feels so surreal at the moment but I hope I'll feel a bit more with it once the OR interview is done. They seemed nice on the phone when they rang me to book my interview, but I'm still wary about the whole thing at the moment.

Anyway, it's comforting to know I'm not the only one in this boat. Feel slightly less shame/idiotic now.

Hi and welcome to the forum:)

dojoman

Bump....................

Nova2000

OR interview tomorrow. Bricking it, I have to admit. Feel like this is the main mission to get through really. Gonna spend the day getting things together that may be helpful based on what I've read. Sort of worried about assets though. I really don't have any, hope that isn't a problem.

In fact I think I'm going to get everything from my pre-BR existence together (bank statements, CC statements, basically anything and everything to do with it) and shove it all in one shoebox.

While I'm here as I'm not supposed to pay creditors anymore should I cancel my direct debit to egg? I would be allowed to do that right? I didn't because I thought my natwest account would get shut down pronto, but it looks like they haven't written to them yet, so theres a chance it could go through. I realise a question like this should be posted in it's own thread but I'm not too worried if no one can answer, I'll mention it to the OR tomorrow.

dojoman

Yes cancel your DD as soon as possible, as for the OR interview this was the part I was dreading but it wasn`t anywhere as near as bad as I feared. Just be totally honest, if you don`t know he answer then say so, good luck and hope it goes well:)

Nova2000

Thanks, I'll cancel that ASAP. Just got a couple of forms to fill in from the OR in the post. Also included was a copy of a letter they are sending to Natwest informing them that its their call whether or not they close my account and that they have no interest in the few quid in it. To be honest from what the CAB told me I thought that it would automatically get shut down, hence waiting on co-op to send me my new account details for them (assuming its all gone through ok, will ring them tomorrow if I havent received anything).

I'll report back on how it goes tomorrow.

skintandfat

Well,

I am now oficially BR

I went and filled in the forms on Monday 21st with the IP, 3 days later I was BR on the AIB website (24/11/2011)

all in £200-
£100 for the AIB,
the rest for the 2 interviews and having the IP help me fill out the forms



What a weight off my mind.....
I will see what happens next

Nova2000

Welcome to the club... Is the procedure much the same in Scotland as it is in England as far as you know? eg, the whole Official Receiver malarkey, discharge after a year etc?

skintandfat

The Scottish Government changed things last year to make it a year, just like other parts of the UK

It costs £100 go go BR, and you don't go to court

You can go BR (Sequestrated in Scotland) via several routes

I went down the apparently insolvent route, I had to
Provide evidence of debt- statements, letters of impending doom (court papers) etc.
I got a registered person (Insolvency Practitioner) to sign a certificate I was apparently insolvent.
They helped me fill out the form and posted it off for me. I could have filled it out myself but if you don't get it correct they can fail the application

It took me ages to pluck up the courage- I went and see them in January and I was told I could do it then, but I decided to wait to see if things would get better- they didn't

I am in a good mood, but aprehensive about stuff as I don't take this lightly.
I think it's just more likely relief

Nova2000

Yeah, its all a bit surreal. Waiting on the official receiver stuff to get done with feels like a weird sort of limbo. It's a miserable time of year to be doing this stuff too. Well plenty of people on here seem to have got through it ok, so hopefully we'll end up the same.

It's how supportive my family have been that's been pretty overwhelming to me. I didn't expect that (which was probably silly).