February's 2013 BR Club

IF

gangnamstyle wrote: »

Hey guys - its official - i'm a club member - went BR last fri had my OR interview ( phone) today - onwards and upwards i guess....

Hi and welcome GNS and welcome to February's BR Club, I've added your name to the front page. Onward and upwards indeed :beer:

Best wishes
IF...x

whichwhydoIturn

Hello,Thank you all for your kind words.
I'm worried about travel costs , I know each OR is different , however , is the a limit to travel.
I don't smoke or drink or run a car so I'm hoping that the OR may see its all I do , between that and my pension worries , oh and the very morning I didn't call my mum , she had her very first vertigo attack, which the lal doctor was great , it's just everything right now
Can I ask if the OR says I have to pay how do I do that is it a DD.
I have around 30 month left
I'm doing a course at work and the minute and I just felt like I couldn't talk , I feel so knotted about it
Thank you for just reading

IF

whichwhydoIturn wrote: »

Hello,Thank you all for your kind words.
I'm worried about travel costs , I know each OR is different , however , is the a limit to travel.
I don't smoke or drink or run a car so I'm hoping that the OR may see its all I do , between that and my pension worries , oh and the very morning I didn't call my mum , she had her very first vertigo attack, which the lal doctor was great , it's just everything right now
Can I ask if the OR says I have to pay how do I do that is it a DD.
I have around 30 month left
I'm doing a course at work and the minute and I just felt like I couldn't talk , I feel so knotted about it
Thank you for just reading

Your welcome, I'm not sure of travel costs tbh, but if you have receipts, then these should be accepted.

Yes payments to OR's office will be by DD.

I have my fingers crossed you do not have an IPA.

IF...x

whichwhydoIturn

I woke last night bout 3 in the morning and drifted in and out of sleep Went to work like a dish rag
I've had this weight feeling in my chest insure its stress
I'm worried that BRwil go wrong , got to get my forms checked by someone next week , some where free
Worried I won't be able to pay IPA just worried got a skiing feeling.
Need a bit of a hug I think !
I've asked for help to pay fees hoping I hear soon . Just worrying bout everything

IF

whichwhydoIturn wrote: »

I woke last night bout 3 in the morning and drifted in and out of sleep Went to work like a dish rag
I've had this weight feeling in my chest insure its stress
I'm worried that BRwil go wrong , got to get my forms checked by someone next week , some where free
Worried I won't be able to pay IPA just worried got a skiing feeling.
Need a bit of a hug I think !
I've asked for help to pay fees hoping I hear soon . Just worrying bout everything

I so know how you feel, but you will fine.....honest.

Sending big hugs WWDIT

IF

Bump..........:starmod:

solventsoon

whichwhydoIturn wrote: »

I woke last night bout 3 in the morning and drifted in and out of sleep Went to work like a dish rag
I've had this weight feeling in my chest insure its stress
I'm worried that BRwil go wrong , got to get my forms checked by someone next week , some where free
Worried I won't be able to pay IPA just worried got a skiing feeling.
Need a bit of a hug I think !
I've asked for help to pay fees hoping I hear soon . Just worrying bout everything

Hi WWDIT :wave:

I can't help with any advice I'm afraid:o but I can certainly send you hug if that helps


I think everyone's been in the same place as you are now, and they all came out the other side.

Thinking about you xx

cream_tea_2

Hi went to court on Monday to go BR, handed forms and money in then sat around waiting for about 1hr30 and then a lady turns up saying "the judge has signed it off and wait for the lady on reception for paper work". So all in all it took about 2 hrs from start to finish.
I received a call from the OR later that day and have arranged a telephone interview for the following week (not looking forward to that). He seemed really nice on the phone and just briefly asked a few questions about what i owe and why i went BR, was very informal and understanding of my situation. So i am hoping that all goes well next week.

IF

cream_tea wrote: »

Hi went to court on Monday to go BR, handed forms and money in then sat around waiting for about 1hr30 and then a lady turns up saying "the judge has signed it off and wait for the lady on reception for paper work". So all in all it took about 2 hrs from start to finish.
I received a call from the OR later that day and have arranged a telephone interview for the following week (not looking forward to that). He seemed really nice on the phone and just briefly asked a few questions about what i owe and why i went BR, was very informal and understanding of my situation. So i am hoping that all goes well next week.

Hi CT and Welcome to February's BR Club, I've added your name to the front page :beer:

The OR's phone call is nothing to worry about, its just for the OR to get a feel why you went BR. Before the call just look through your 6.28/SOA so your familiar with what you have said. The OR will just go through your 6.28/SOA with you. Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. Do have a list with all questions ‘you’ want to ask.
Can last anything from half an hour to an hour and a half.

Best wishes
IF...x

IF

:staradmin Hi Everyone and Welcome to the February's 2013 Bankruptcy Club :staradmin

This club is for everyone who has gone or going through the process of Bankruptcy during February 2013. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other throughout the different stages of your Bankruptcies.

Remember this is your board so keep posting :hello:

Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.


~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~

Best wishes
IF...x