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February’s 2014 BR Club

12357

Comments

  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    JJ_8 wrote: »
    Hi, I went bankrupt on the 10th, please may I join?

    Hiya JJ_8 , You can join us and welcome to February's BR Club, I've added you to post 1 :beer:
    Best wishes
    IF
    JJ_8 wrote: »
    OR interview next week, thanks for post #37 ifwisheswerehorses. Nervous but will be relieved when all done.

    Do let us know how you get on, I just hope the post helps on the day.
    "If wishes were horses, then beggars would ride"
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Bump........:starmod:
    "If wishes were horses, then beggars would ride"
  • Keeping_Positive
    Keeping_Positive Posts: 4,750 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Monday morning bump
    :j
    May 2013 new beginnings:j
  • nemopaul
    nemopaul Posts: 23 Forumite
    Went bankrupt 13th Feb :-) just waiting on call from OR now but capping my pants!

    Didn't even have to see judge for bankruptcy literally took 15mins!

    Worried I'll have to pay back something to my creditors? But my out goings are more than £300/month more than what I earn each month anyway so won't have any spare money?
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    edited 17 February 2014 at 1:59PM
    nemopaul wrote: »
    Went bankrupt 13th Feb :-) just waiting on call from OR now but capping my pants!

    Didn't even have to see judge for bankruptcy literally took 15mins!

    Worried I'll have to pay back something to my creditors? But my out goings are more than £300/month more than what I earn each month anyway so won't have any spare money?

    Hi nemopaul and welcome to February's BR Club, I've added your name to post 1 :beer:
    What did the Debt charity say, re an IPA?

    Deep breaths and you'll be fine with the OR call, do see my post 35.
    Let us know how you get on.

    Best wishes
    IF
    "If wishes were horses, then beggars would ride"
  • nemopaul
    nemopaul Posts: 23 Forumite
    They didn't mention much about an ipa or help me fill out soa so I'm a bit worried I've filled the soa out wrong now? Can I change it when OR calls? :-/
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    nemopaul wrote: »
    They didn't mention much about an ipa or help me fill out soa so I'm a bit worried I've filled the soa out wrong now? Can I change it when OR calls? :-/

    No worries, just have a word with your OR about your SOA, when they call.
    "If wishes were horses, then beggars would ride"
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Bump........:staradmin
    "If wishes were horses, then beggars would ride"
  • nemopaul
    nemopaul Posts: 23 Forumite
    Spoke to OR yesterday got my telephone interview on 4th March. She said it will only take 10-15mins as mine is a straight forward case.

    All she asked me yesterday was what bank account I would like to keep open, date of birth and have my last 3 months payslips ready when she calls next.

    Does this sound promising or no? Thinking IPA wise? :-/
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    nemopaul wrote: »
    Spoke to OR yesterday got my telephone interview on 4th March. She said it will only take 10-15mins as mine is a straight forward case.

    All she asked me yesterday was what bank account I would like to keep open, date of birth and have my last 3 months payslips ready when she calls next.

    Does this sound promising or no? Thinking IPA wise? :-/

    Hard to say tbh, but remember an IPA is an agreement, you don't have to sign. Our specialist, debt doctor will help if you feel you cannot pay it. See what is said on the 4th.
    "If wishes were horses, then beggars would ride"
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