September's 2012 BR Club

solventsoon

seahorsejockey wrote: »

Hi there, I am going BR tomorrow.

I have been reading this forum for a couple of months and most of my worries and questions are answered somewhere. I am looking forward to finally getting rid of my debts and getting on with my life!!

:beer:

:hello: Hi seahorsejockey and welcome
I just wanted to wish you good luck for tomorrow. Hope all goes well.

spoon x

mynumber

seahorsejockey wrote: »

Hi there, I am going BR tomorrow.

I have been reading this forum for a couple of months and most of my worries and questions are answered somewhere. I am looking forward to finally getting rid of my debts and getting on with my life!!

:beer:

Good luck for tomorrow, but honestly you wont need it

inthemire

Well, it's done! I was declared bankrupt this afternoon, and I didn't even have to see the judge! I handed in my forms and cash, they typed it up, put it in front of the judge, who read and signed it, then they emailed it to the OR, who I will talk to on the phone tomorrow!

It was so straightforward it almost feels like an anticlimax!

I'm really amazed and relieved at how nice and non-judgemental the court staff were. The lady who dealt with me laughed because I looked so astonished when she said I could go. She said "That's it, you're done! The OR will be in touch today or tomorrow."

It kind of feels like it should be more painful - but then the last six months have been painful enough!

Thanks to everyone for your good wishes. It's really good to know there are people out there who really KNOW what you're going through.

Seahorsejockey - best wishes for tomorrow! You'll feel SO much better when it's done!

IF

inthemire wrote: »

Well, it's done! I was declared bankrupt this afternoon, and I didn't even have to see the judge! I handed in my forms and cash, they typed it up, put it in front of the judge, who read and signed it, then they emailed it to the OR, who I will talk to on the phone tomorrow!

It was so straightforward it almost feels like an anticlimax!

I'm really amazed and relieved at how nice and non-judgemental the court staff were. The lady who dealt with me laughed because I looked so astonished when she said I could go. She said "That's it, you're done! The OR will be in touch today or tomorrow."

It kind of feels like it should be more painful - but then the last six months have been painful enough!

Thanks to everyone for your good wishes. It's really good to know there are people out there who really KNOW what you're going through.

Seahorsejockey - best wishes for tomorrow! You'll feel SO much better when it's done!

Hi ITM, I'm so please all went well and hope you've have a drink tonight :beer:

Onwards and upwards now xx

If...x

solventsoon

inthemire wrote: »

Well, it's done! I was declared bankrupt this afternoon, and I didn't even have to see the judge! I handed in my forms and cash, they typed it up, put it in front of the judge, who read and signed it, then they emailed it to the OR, who I will talk to on the phone tomorrow!

It was so straightforward it almost feels like an anticlimax!

I'm really amazed and relieved at how nice and non-judgemental the court staff were. The lady who dealt with me laughed because I looked so astonished when she said I could go. She said "That's it, you're done! The OR will be in touch today or tomorrow."

It kind of feels like it should be more painful - but then the last six months have been painful enough!

Thanks to everyone for your good wishes. It's really good to know there are people out there who really KNOW what you're going through.

Seahorsejockey - best wishes for tomorrow! You'll feel SO much better when it's done!

Hi inthemire
I'm so pleased you got through it OK, hope you can relax a bit this evening

Good luck for tomorrow

spoon xx

tiggerbodhi

inthemire wrote: »

Well, it's done! I was declared bankrupt this afternoon, and I didn't even have to see the judge! I handed in my forms and cash, they typed it up, put it in front of the judge, who read and signed it, then they emailed it to the OR, who I will talk to on the phone tomorrow!

It was so straightforward it almost feels like an anticlimax!

I'm really amazed and relieved at how nice and non-judgemental the court staff were. The lady who dealt with me laughed because I looked so astonished when she said I could go. She said "That's it, you're done! The OR will be in touch today or tomorrow."

It kind of feels like it should be more painful - but then the last six months have been painful enough!

Thanks to everyone for your good wishes. It's really good to know there are people out there who really KNOW what you're going through.

Seahorsejockey - best wishes for tomorrow! You'll feel SO much better when it's done!

All done, hopefully the OR interview will be the same, mine was, only way is up now :)

seahorsejockey

I am still in court waiting for the clerk to arrange my interview with the OR. I was with the judge for no longer than 5 minutes. He didn't read the forms he just had a quick scan then signed it all off. A bit too easy if you ask me!!!

seahorsejockey

It is all sorted now. Next step is politely asking barclays to open an account for me and waiting for the OR to get in touch. The court procedure couldn't have been easier.

IF

seahorsejockey wrote: »

I am still in court waiting for the clerk to arrange my interview with the OR. I was with the judge for no longer than 5 minutes. He didn't read the forms he just had a quick scan then signed it all off. A bit too easy if you ask me!!!

seahorsejockey wrote: »

It is all sorted now. Next step is politely asking barclays to open an account for me and waiting for the OR to get in touch. The court procedure couldn't have been easier.

I'm so pleased all went smoothly SHJ :beer:

Next step a nice cup of tea and chocolate cake!!

Here's to your new start xx

If...x

Lou67

What a great thread, where people can talk about their bankruptcy and share their stories of hardship and how it was for them. Thank you for starting this. :j

We are 2 years from going bankrupt (in November,) and I can honestly say it was the best choice we ever made. We got our private let home a month before we went bankrupt and told the property agent that we were planning the bankruptcy and they were OK with it. The only thing that worries me is that we will have to stay with them even when we choose to move house, because any other landlord or property agent will do a credit check. Also we have very basic bank account and cannot get the Christmas catalogue I would like.

However, all this does not matter much as we now have no debt, after many years of suffering because of illness and job loss. It was very hard for the first year, but since the start of this year (3 months after discharge,) my hubby has got more hours at work and we are now much better off. And MUCH happier.