Big Day Tomorrow

Mike_St_Helens

You will be fine.

My OR meeting was in the regional centre !! It lasted a whole day you know.. we had a partnership and a business to wind down. And do you knwo what.. It was fine... absolutly fine.

Let us know !

rog2

wannabeedebtfree wrote: »

Hi - why do they employ a trustee?? Does that mean it might not be finished with tomorrow?

Hi Wanna - the OR does not always appoint a trustee - often it is at the discretion of your creditors - but the function of the trustee, according to the letter sent by OR when they appointed one for me, is to 'sell your assetts'. I assume therefore 'No Assetts = No Trustee'.
My trustee sent me a form, bigger than that used for my OR interview, and a letter to state that my house would form part of my 'estate in bankruptcy'.
Other than that I have heard nothing more from the trustee.

lucylocket39

good luck wannabe..let us know how you get on tom!

lucylocket39

Hi all,

Got the big phone call tomorrow at 10 am with the OR. The OH is at 2 pm. I'm so on edge! What a lovely way to spend Easter weekend! I'm just hoping that i've got nothing to worry about. Actually there's more to worry about on the OH's part what with 2 vehicles in his name and credit union issue which could cause some probs for OH at work. It's awful not knowing what to expect.

rog2

Hi Lucy - Good luck to both of you for tomorrow. :beer:
The OR will know that you are nervous, and should put your mind at rest at the beginning of the interview. Just be yourself, give concise and honest answers to his/her questions and if, at any time during the interview, you need a break - just ask.

lucylocket39

Thanks Rog. Will he just go thru the petition i filled in or will i have to dig out any extra documents?? I just want to make sure that i have everything when he calls and i'm not on a search in the house lol.

tight_jock

lucylocket39 wrote: »

Thanks Rog. Will he just go thru the petition i filled in or will i have to dig out any extra documents?? I just want to make sure that i have everything when he calls and i'm not on a search in the house lol.

The questions will be based on th info you gave in the petition. As long as you have supplied the names and account numbers for all of your creditors, the OR can get all the info he needs from that.

Good luck.
:beer:
TJ

Holes_in_my_pocket

glad i read this thread I have £27000 ish in debt and have been burying my head in the sand for several years ,, been thinking of bankruptcy but as i have spare cash of about £150 a month i have been deliberating what the best way forwrd was bankruptcy DMP or IVA. All my creditors dont know where i am and i have not been in contact with them for a few years .. I have a lloyds debt of 9000 and they stopped cashing the cheque i sent them every month . so been getting a littel worried .. I been a fool for a long time. Holes in my pocket

tight_jock

Holes_in_my_pocket wrote: »

glad i read this thread I have £27000 ish in debt and have been burying my head in the sand for several years ,, been thinking of bankruptcy but as i have spare cash of about £150 a month i have been deliberating what the best way forwrd was bankruptcy DMP or IVA. All my creditors dont know where i am and i have not been in contact with them for a few years .. I have a lloyds debt of 9000 and they stopped cashing the cheque i sent them every month . so been getting a littel worried .. I been a fool for a long time. Holes in my pocket

Welcome to our world, HIMP.

If you have specific questions, it`s probably best to put them in a new thread to get the maximum exposure.

You`ve taken the biggest step by acknowledging your situation on here.

Good luck with your journey.
:beer:
TJ

Holes_in_my_pocket

thanks will do