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My year is up!
minic
Posts: 54 Forumite
Hi All,
Well a year ago today I finally did the deed and went BR and today I am officially discharged :j
The year has been pretty uneventful as far as the BR was concerned.
The court itself was far less daunting than I expected. As pretty much everyone on here says, the clerk was nice and polite. I didn't have to see the judge and I walked out 20 minutes after my scheduled slot officially BR. I know a lot of people say that they don't feel the relief instantly but for me I most certainly did. Don't get me wrong I wasn't happy about having to go bankrupt in the first place but once I did it I was happy with my decision.
I had my OR interview about a week or so after the court date which went absolutely fine, no IPA and I could stay in my house as it was in negative equity. I decided against getting my OH to buy my beneficial interest for £1k plus costs as we were pretty confident that in 3 years time the house wouldn't be out of neg equity (we have a secured loan).
Didn't hear a peep from the OR from February to September when I received a letter out of the blue telling me that the OR was removing his interest in my property and the BI would be transferred back to me, woo-hoo happy days :T
And that was it, no other contact from OR. Not a single call from a creditor. I did get one letter but I emailed them with details of my BR order and that was that, haven't heard from them since.
After my BR day I'd say I spent the first month or so afterwards waiting for the post to see if there was anything from the OR, waiting for a call etc.. but after a few weeks of nothing I started to relax. I haven't really thought about my BR at all since until the past couple of weeks coming up to the AD date and I'm pretty sure I won't think of it much from here on out.
I'll probably start to clean up my credit file in a few months time and will more than likely frequent this forum from time to time but for all those who are currently going through or thinking of going through the BR process it's really not that bad and that year will go quicker than you can imagine.
Good luck to all.
M.
Well a year ago today I finally did the deed and went BR and today I am officially discharged :j
The year has been pretty uneventful as far as the BR was concerned.
The court itself was far less daunting than I expected. As pretty much everyone on here says, the clerk was nice and polite. I didn't have to see the judge and I walked out 20 minutes after my scheduled slot officially BR. I know a lot of people say that they don't feel the relief instantly but for me I most certainly did. Don't get me wrong I wasn't happy about having to go bankrupt in the first place but once I did it I was happy with my decision.
I had my OR interview about a week or so after the court date which went absolutely fine, no IPA and I could stay in my house as it was in negative equity. I decided against getting my OH to buy my beneficial interest for £1k plus costs as we were pretty confident that in 3 years time the house wouldn't be out of neg equity (we have a secured loan).
Didn't hear a peep from the OR from February to September when I received a letter out of the blue telling me that the OR was removing his interest in my property and the BI would be transferred back to me, woo-hoo happy days :T
And that was it, no other contact from OR. Not a single call from a creditor. I did get one letter but I emailed them with details of my BR order and that was that, haven't heard from them since.
After my BR day I'd say I spent the first month or so afterwards waiting for the post to see if there was anything from the OR, waiting for a call etc.. but after a few weeks of nothing I started to relax. I haven't really thought about my BR at all since until the past couple of weeks coming up to the AD date and I'm pretty sure I won't think of it much from here on out.
I'll probably start to clean up my credit file in a few months time and will more than likely frequent this forum from time to time but for all those who are currently going through or thinking of going through the BR process it's really not that bad and that year will go quicker than you can imagine.
Good luck to all.
M.
0
Comments
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HI
Thats great news and so pleased all went well. My AD will be next week. All best for future and great news re your house.0 -
Congratulations :beer:
Fizz0 -
Hiya minic, I do love good news on here and here's to your AD :beer:
IF...x
"If wishes were horses, then beggars would ride"
0
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