Going bankrupt on Friday - HELP

mynumber

Was thinking about you today and how it went, well done, if that is the right thing to say. I bet you will sleep tonight. It surprised me that your landlord isnt always contacted, that is good news as its something i would want to avoid if i go down the br road.
You could say you need a copy of the lease as you would like to get a loan ( sorry ) and the bank need to see what kind of lease you have.
Can i ask how long did you have the debt and what made you sure br was right and why now. As i said before think im heading that way, but went to see a cab advisor and they dont seem to think its right for me, im fed up of feeling this bad day after day.
You must feel a sense of relief, enjoy your glass of wine k

asharon

Good luck with your new start !

PippaGirl_2

Personally I wouldn't lie, as I don't. I'd just say that I needed to have some sort of evidence of my tenancy and ask how that could be arranged. Just say it is for personal reasons if asked.

shedhead55

Well done and good luck. My partner went bankrupt last year after losing virtually everything in a previous relationship, the court experience was a bit of an anticlimax as was the phone interview with the OR. The lady who conducted the interview was sympathetic, non-judgemental and didn't push for answers to difficult questions. I think as long as they have the impression that your bankruptcy was not caused by any dishonesty or deception on your part and that you're not hiding anything then there is really nothing to worry about.

Make sure you keep the original of the Bankruptcy Order in a safe place and get some photocopies made in case you ever need proof of bankruptcy, however always in mind that you now have absolutely no obligations to anyone except the OR and the court.

Finally on the subject of bank accounts my partner has always had a basic Nat West account which she was able to keep during and after bankruptcy, she has a debit card, can only use Nat West ATM's, no cheque book but most importantly no fees as long as she stays in credit.

Ian.

lisa.89

Finallysorted wrote: »

Thanks everybody who has wished me well and supported me! I am officially bankrupt and have had such a wide range of emotions today - one of the strongest being sadness and feeling very very tired/mentally exhausted.

I got to the court at 9.45am and was sent to the room to hand my paperwork in after about 5 mins by the usher (who was lovely) and waited in there for around 20mins (felt more like 20 years as I was nervous & ashamed as think it all just hit me then). Anyway the clerk took my paperwork, checked through it all with me there and told me what was going to happen next with the Judge. I went back out to wait to be called and about an hour later the Judge saw me and it was 30 seconds in and out! (and in his chambers, which is basically just a big office) He asked had I got advice about doing this and I said yes, he asked who from? And I told him around 3/4 companies including the CCCS. He then said 'in light of the amount of your debt, I am making you bankrupt on 27 july at...blah blah blah....' then that was it - I said 'thank you.... I think' and he smiled and said you're welcome. And that was it!

Then I sat outside in the waiting room for my completed paperwork and I had mentioned that I had an interview so I think they hurried things along for me and especially when I got a bit upset in front of the clerk - they were all very nice and the clerk had even told the OR that I would like to reschedule the meeting if possible and they seemed ok with it. Then I walked down to the OR's office (2 mins away) and spoke to my OR who was very helpful and friendly and she said she would put an appointment confirmation in the post anyway and would be in touch if she needed anything else so I could hurry along to my interview.

I had got upset with the clerk & had let slip that I lived with my landlord (I really didnt want her mentioned in it) but she said its best just to put it down. Then she said that she was sure the OR wouldnt contact my landlord/housemate and that she would just need a copy of a tenancy agreement (which I dont have as she is my friend) but the OR was great and said she would make a note not to contact my landlord (aka my friend) as long as I got a tenancy agreement stating how much I pay and what sort of agreement it is. So fingers crossed that should all be ok. Does anybody have any suggestion about what I could say I need the tenancy agreement for to my friend/housemate? As I really dont want to tell her I have gone bankrupt but need a reason as to why I need a copy of an agreement.

Then I went off to my job interview - which went well but have yet to hear back! I am shattered now as left the house at 7.45am this morning and didnt get in until 5pm after all my running about with no break or proper food (just a tuna sandwich around 1pm all day!), am now enjoying a well earned glass of wine after my dinner and will be sitting in to watch the Olympics Opening Ceremony tonight and to pat myself on the back as even though I'm not proud at all about being made bankrupt - at least now I have FINALLY taken control and sorted things out once and for all.

I just hope the OR is ok and I am lucky enough not to get an IPO and/or to potentially get early discharge? Will the IPO be put in place once she has looked through all my papers and has everything she needs?

Thanks again everybody - you have been such a great comfort to me
x

Hi there - glad to here it went ok. Ours will be next month hopefully...

I would just say to your friend that you are maybe applying for some credit - maybe a loan.. and need proper proof of address in a form of a tenancy agreement...

We are hoping or won't contact our LL as will only be a month into tenancy and wouldn't have had much time to prove that we are good tenants...

Good luck