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**updated** OR interview now 4.1.2008 - 10.00am

135

Comments

  • We all get down. It's natural. And nobody on here is going to judge. Notice how all the trolls have gone away?You certainly don't sound like a spoilt child. Don't be so hard on yourself.xxx
    All comments made and advice given are my own opinions and do not represent the views or advice of any debt advice organisation.

    Current balance: approx £17500 including Tax Credit Overpayment :cry:

    Estimated DFD: never - deficit budget. Cheers HMRC! :mad:

    Another year over and we're still together. It's not always easy, but I'm here forever
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Good luck with the interview. :)

    (if they haven't moved it again :p)
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Yes good luck, you should be well on your way through it by now.
    Lets us know how it goes
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fermi wrote: »
    if they haven't moved it again

    Sorry, fermi, that just made me laugh. :rotfl: :rotfl: :rotfl:

    More 'inefficiency' from our good friends at the Insolvency Service.

    Good luck loopy_lou. We'll have a (virtual) beer afterwards. :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 DEBTS
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Best wishes today Lou. You'll be fine.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • JulesJay
    JulesJay Posts: 179 Forumite
    Hope everything is going well lou!

    Let us know when you can how you got on.

    Jules x
    'What is right for one soul may not be right for another.
    It may mean having to stand on your own
    and do something strange in the eyes of others.
    But do not be daunted,
    do whatever it is because you know within it is right for you.'
    'Eileen Caddy'
    BSC: No: 79
  • OK

    It's over! I was so nervous I felt sick. Anyway, I got the call and the man I spoke to was really nice. The best news is that - I'M NOT GETTING AN IPA or A BRO!

    He went through some details with me and that was it, really.

    I was finished within 40 minutes and he wrote everything down. I asked him about the IPA because I was nervous and the BRO and he said even after taking my surplus into consideration he didn't think I'd get an IPA because he was a representative of my Official Receiver not the actual lady. As for the BRO like you all said - it's to do with fraud and gambling more than what my BR order was about.

    I am so going on a diet now and getting my life back together. I've been scared witless for three weeks and I am so relieved. I actually feel that now. I didn't on the day of the bankruptcy.

    Oh, but..........................................I got a card this morning from a creditor who I spoke to yesterday saying a representative was coming to my house within the next three days!!!!!!!! The postmark said the 3rd so it was obviously posted on the 2nd. I phoned them and the lady assured me at the other end that the correspondence had just overlapped with my call! Thank God I spoke to them.

    I can also keep my bank account. As long as Lloyds don't question my account it's ok to keep it as it is.

    I feel really weird again. But soooooooooooooooo happy. I need to tell my phone company I'm bankrupt but apart from that - it's over.

    :T:T:T:T:T

    Thank You SOOOOOOOO much for the support from everyone here. The people who've helped me through all of this. I could not have done or know as much as I have done since October without you. Thank you, really.
    HAPPY NEW YEAR!!!!
    BSC No 60
    Wednesday 12.12.2007
    :j:jDischarged 12.12.2008:j:j


  • :D Thats great Loopy, hate to say we told you so but....:p
    Now you can start to build your life again and move on.
    :beer:
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    That's great news, loopy

    Ignore the card from your creditor - if they want to send someone, let them spend their money. In the most unlikely event that someone calls there are two things that you need to do:

    1. Show him your Bankruptcy papers.

    2. Show him the door.
    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 DEBTS
  • If this was my house I would Rog but it's my parents!
    It's ok now - the lady on the phone assured me that the card they sent and my phonecall had overlapped.

    Yeah, you did all tell me. I don't mind being told an "I told you so" like that to be honest ;)

    Still got the guilt thing. I suppose that's natural but I do feel like - what do I do first? It's a new year and a new start!
    BSC No 60
    Wednesday 12.12.2007
    :j:jDischarged 12.12.2008:j:j


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