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OR interview in an hour!
whoopsydaisy
Posts: 83 Forumite
Got my interview in an hour. I'm more worried about this than the actual bankruptcy. I keep looking at my petition and business accounts and studying them like it will be some kind of test!!
I've spoken to the lady before and she seems really nice, so why am I so worried??? :eek:
I've spoken to the lady before and she seems really nice, so why am I so worried??? :eek:
Bankrupt at 11.47 on 22/08/2007
New debt free life begun 11.48 on 22/08/07 :j
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your lucky, i had all my accounts/statements nicked out my car when the briefcase got taken, with the laptop and phone, ill look a right chancer with that story, and hadnt engaged an accountant as id only commenced trading on april 6th.0
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Hi Whoopsadaisy
I have got my interview this afternoon and I am just like you - dreading it. Lets support each other with a promise that it really will not be as bad we think, (I dont have any statements etc either LOL)
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Yikes. I have now taken up residence by the phone. Thanks Gratton. I'll let you know how it goes!!Bankrupt at 11.47 on 22/08/2007New debt free life begun 11.48 on 22/08/07 :j0
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Good luck!0
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Good luck, Whoopsy - must be well into your interview by now. :beer:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Well, it went OK. It felt a bit like an interigation when I couldn't remember EXACT spending on the £15000 loan!!
But for Future SOA reference I was NOT allowed (me plus 1)
Union Membership £7
Repairs £20
Pocket Money £10
Life Insurance £7
Hobbies £20
Birthdays/xmas £20
WAS allowed
Dry Cleaning £5
Hols £40
Childrens Activities £8
Pets £15
Medicine £7
Essential Car Journeys was knocked down from £160 to £100.
Resulting in an IPA
Should be discharged in 6 months.Bankrupt at 11.47 on 22/08/2007New debt free life begun 11.48 on 22/08/07 :j0 -
Not so bad then.:D
Out interest, exactly how much is your surplus now and how much is the 'proposed' IPA?
Your original surplus on your I&E was about £100 if I remember, and there were some tax credits in the income for this.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Seems a bit unfair to knock the essential car travel down by £60 - were you given any reasoning for this?
I'm sure it was not the case, but one could be forgiven for thinking that possibly your I/E could have been 'tailored' to leave you with an IPA.
I believe that you have a 14 day 'cooling off' period, during which you can appeal your IPA.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
I'm sure it was not the case, but one could be forgiven for thinking that possibly your I/E could have been 'tailored' to leave you with an IPA.
I believe that you have a 14 day 'cooling off' period, during which you can appeal your IPA.
Sounds almost guaranteed to be the case.:rolleyes:Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Sounds almost guaranteed to be the case.:rolleyes:
I was carefull with my wording as I did not want to attract the 'wrong sort of response' but those are my thoughts, too.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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