We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Bankrupt 10:20 Today
colmac71
Posts: 119 Forumite
Hi everyone
Just typed a rather long post but it's gone in to cyber space
so this is a cut down version
Wow - what a day
Went to court at 9.30
Seen at 9.40
Woman checked through documents, made a few amendments, previous addresses where debt were accumulated (even though I been living at current address for over 3 years)
Took my money, counted it, checked it under the detector!
Got me to swear an oath
Took me to the district judge office, waited 20 minutes, two people got called in to see him (not BR related matters)
The usher came out with my file, took me back down to the woman I saw initially
She said I need to fax some details over to the OR - I said but I haven’t seen the judge - she looked at my file and said “ you’re bankrupt - he’s signed the BR petition”
20 minutes later I was on the phone to the OR - Natalie from Blackpool office, really friendly
Few confirmation details, informed me I would receive a BR pack within 7-10 days with a letter informing me of my telephone interview which could last up to 2 hours.
She asked if I had any questions, mentioned about my bank account / salary - she got my sort code and account number - said they would fax Abbey and ask if I could still use the account - she said they don’t have to give me access but worth a try.
Went back to the woman at the desk - she gave me a copy of my BR order - said I might need to show this to any creditors in the short-term - that was that
Done and dusted by about 11.15
Went to estate / letting agents - paid by bond for my new rented property - so moving in to that in 2 weeks tomorrow - I was up front and told them about my pending BR a couple of weeks ago - the estate agent manager was ace - he spoke to the landlord - fine with it too.
Went to Barclays - they can’t open the account at the branch as they need to credit check and she said “I don’t think you’re allowed a credit check”??? !!! so I have to fill out the app form and send it off for the account to be opened! Bizzare?
I would like to thank everyone that has provided me with advice, guidance or just words of wisdom - I didn’t know where to turn - the advice (from many posts I have made) have been unbelievable - you have helped me like I couldn’t begin to tell you!
I didn’t want to go BR - never thought I would - unfortunately I didn’t have any other option (besides the 18.20 flight to Alicante with the bond money if it went wrong today) but I can see the BR is the only solution - and it is something I need to live with - I’m sure it’ll be tough
I know that I’ll end up with an IPA paying about £500 a month - but that’s far better than my previous position.
I’ll keep you informed of my OR and I’ll also provide words of wisdom/support to others and also just keep checking back for general info which appears to be useful even after BR
Thank you all again - You’ve been unbelievable!!
:T
Just typed a rather long post but it's gone in to cyber space
so this is a cut down version
Wow - what a day
Went to court at 9.30
Seen at 9.40
Woman checked through documents, made a few amendments, previous addresses where debt were accumulated (even though I been living at current address for over 3 years)
Took my money, counted it, checked it under the detector!
Got me to swear an oath
Took me to the district judge office, waited 20 minutes, two people got called in to see him (not BR related matters)
The usher came out with my file, took me back down to the woman I saw initially
She said I need to fax some details over to the OR - I said but I haven’t seen the judge - she looked at my file and said “ you’re bankrupt - he’s signed the BR petition”
20 minutes later I was on the phone to the OR - Natalie from Blackpool office, really friendly
Few confirmation details, informed me I would receive a BR pack within 7-10 days with a letter informing me of my telephone interview which could last up to 2 hours.
She asked if I had any questions, mentioned about my bank account / salary - she got my sort code and account number - said they would fax Abbey and ask if I could still use the account - she said they don’t have to give me access but worth a try.
Went back to the woman at the desk - she gave me a copy of my BR order - said I might need to show this to any creditors in the short-term - that was that
Done and dusted by about 11.15
Went to estate / letting agents - paid by bond for my new rented property - so moving in to that in 2 weeks tomorrow - I was up front and told them about my pending BR a couple of weeks ago - the estate agent manager was ace - he spoke to the landlord - fine with it too.
Went to Barclays - they can’t open the account at the branch as they need to credit check and she said “I don’t think you’re allowed a credit check”??? !!! so I have to fill out the app form and send it off for the account to be opened! Bizzare?
I would like to thank everyone that has provided me with advice, guidance or just words of wisdom - I didn’t know where to turn - the advice (from many posts I have made) have been unbelievable - you have helped me like I couldn’t begin to tell you!
I didn’t want to go BR - never thought I would - unfortunately I didn’t have any other option (besides the 18.20 flight to Alicante with the bond money if it went wrong today) but I can see the BR is the only solution - and it is something I need to live with - I’m sure it’ll be tough
I know that I’ll end up with an IPA paying about £500 a month - but that’s far better than my previous position.
I’ll keep you informed of my OR and I’ll also provide words of wisdom/support to others and also just keep checking back for general info which appears to be useful even after BR
Thank you all again - You’ve been unbelievable!!
:T
0
Comments
-
well done i'm pleased all went well for you...try not to worry too much about the OR interview...the worse you've already doneWe all die. The goal isn't to live forever, the goal is to create something that will0
-
I didn't have to see the judge either. Glad all went without a hitch. Good luck with your house move and your forthcoming interview.Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
I'm glad things went so well for you, Colmac.
BSC #53 - "Never mistake activity for achievement."
Consumer Credit Counselling Service (CCCS)| National Debtline| Business Debtline| Find your local CAB0 -
glad it was ok for you!0
-
hi, well done with the BR, glad it all went well. At least you now know the very worst is over and you have a new home to look forward to moving into.
The OR telephone call will be ok, they just like to chat to you to work out your IPA.
Keep smiling, and have a great weekend - remember you owe NOTHING ZILTCH now !!!!
Best wishes sandra.
BSC member 137
BR 26/10/07 Discharged 09/05/08 !!!
Onwards and upwards - no looking back....0 -
So at least that bits over and you have your new house to look forward to moving into. Good luck with the OR interview - mine's next week, face to face!
:j :j
0 -
Its a very odd feeling, isn't it, not owing any money?? (I still can't believe it...)
I am glad the day went without a hitch and you have the new home to look forward too!0 -
i'm glad things went well for you hun xxBSC Member#99:mad: [strike]Smoke Free 02/05/08[/strike]:mad:0
-
Well done Colmac. Sooo glad it went smoothly for you. I plucked up courage today and rang my local court - have my BR appointment for 7th May 10am. Like you, never thought I'd be here and not too happy about it, but hey, I can't go in any other direction right now and I know it'll all be all right in the end.
Go have a LARGE drink and enjoy your weekend.:beer:
TMD xxDecluttering junk and debt in 2016
Debts - Vanquis £3500 1/1/16; DFD - when I'm dead with £100,000,000+ interest :eek: UPDATED Feb 2016 £2739.80; DFD June 2016 :j
Next - £1500 1/1/16 DFD about 10 years time. UPDATED Feb 2016 £1371.16; DFD July 2016 :j
THE GOAL IS TO HAVE NO DEBT BY THE END OF 20160 -
:T Glad it went well for you Colmac.:T
: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
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards