Smiales Diary

smiales

Richard_S wrote: »

Hi Smiales,

It's equally likely that NatWest have got it, and they shouldn't have, or that they've sent it to the O.R who hasn't said anything.

As for the arrears, it's perfectly understandable that with bankruptcy, and changing bank accounts that one payment has been missed.

Rich

Thanks Rich, need some boosting at the moment! Trying to keep busy and 'professional' about Thursday to keep my mind off what is actually happening but every few mins I remember and have abit of what I think is a panic attack.

Richard_S

smiales wrote: »

Thanks Rich, need some boosting at the moment! Trying to keep busy and 'professional' about Thursday to keep my mind off what is actually happening but every few mins I remember and have abit of what I think is a panic attack.

It's not surprising when you think what's at stake, but it'll all be over by tea time Thursday, so you might as well just convince yourself that it's something of an adventure, and not take it too seriously.

Would you feel intimidated if you walked in Court on Thursday and the Judge and the O.R wre stark b0ll0ck naked? Of course you wouldn't, you'd have difficulty not collapsing with laughter; why should clothes and a wig make any difference?:D:D

Rich

smiales

Richard_S wrote: »

It's not surprising when you think what's at stake, but it'll all be over by tea time Thursday, so you might as well just convince yourself that it's something of an adventure, and not take it too seriously.

Would you feel intimidated if you walked in Court on Thursday and the Judge and the O.R wre stark b0ll0ck naked? Of course you wouldn't, you'd have difficulty not collapsing with laughter; why should clothes and a wig make any difference?:D:D

Rich

So true! Forget that these are just people doing a job. Its one hell of a f***ing adventure Rich, one that I don't remember wanting to go on! Why couldn't my adventure of been spending a year on safari or working with gorilla's!:mad: Why is mine going to bloody court!

Addicted2Chocolate

I have tried to reply to your pm but i get this message:
The following errors occurred when this message was submitted:

1. smiales has chosen not to receive private messages or may not be allowed to receive private messages. Therefore you may not send your message to him/her.

If you can change your setting to allow pm's, I will reply in full tomorrow.
You have been through the mill sounds horrible i will do my best to help.
A2C (just lurking now but replying to pm's )

smiales

Addicted2Chocolate wrote: »

I have tried to reply to your pm but i get this message:
The following errors occurred when this message was submitted:

1. smiales has chosen not to receive private messages or may not be allowed to receive private messages. Therefore you may not send your message to him/her.

If you can change your setting to allow pm's, I will reply in full tomorrow.
You have been through the mill sounds horrible i will do my best to help.
A2C (just lurking now but replying to pm's )

Hi A2C, sorry I did notice earlier that my settings were wrong, think I've sorted it now but will check again now.

Thanks

dalip

You did not reply to mine adtc D

blind-as-a-bat_2

Addicted2Chocolate wrote: »

I have tried to reply to your pm but i get this message:
The following errors occurred when this message was submitted:

1. smiales has chosen not to receive private messages or may not be allowed to receive private messages. Therefore you may not send your message to him/her.

If you can change your setting to allow pm's, I will reply in full tomorrow.
You have been through the mill sounds horrible i will do my best to help.
A2C (just lurking now but replying to pm's )

Just a random thanks A2C you will understand why;)

Edit- i think:o

smiales

dalip wrote: »

You did not reply to mine adtc D

Am I getting special treatment Dalip!

dalip

Must be snails, sorry blody dust under kys smiales(where the hell does that word come from,every time i go to type it i have scrol down to see how its spelt:o )you need is greater than mine. Been there(sort of)got the t-shirt ,on my way to discharge so not so in need.Plus i think i upset adtc earlier this wk:o .D

Addicted2Chocolate

soddit your court hearing is this thursday so here is my reply:
I do not have any experience of OR going for IPO hearing, nor have I overheard anyone discussing in our office! So here is what I would do in your shoes:
If you can get to court tomorrow, take a submission and give it to the bankruptcy clerk. Explain to the clerk that you have a IPO hearing and you want to make a submission to be put to the attention of the judge in advance of the hearing. The clerk will let you know whether it needs to be by affadavit. If this is not possible just take a written statement to the hearing.
In the statement do a brief chronology as you have here, but focus on the current income (spell out any changes since your bankruptcy order, since the initial interview or more recently). Set out your outgoings and highlight the main points of disagreement with the OR. For any elements that have been reduced or disallowed by the OR, give a explanation as to why the figure you believe is correct is reasonable. If you have supporting documentary evidence refer to these (eg petrol receipts for last month, supermarket shop receipts for month, utility bills etc). Keep the evidence documents to present at the hearing if requested.
On the matter of the NT tax code benefit. The points to present to the court are i) did the examiner explain to you the NT code and that the benefit from it is to be paid to the bankruptcy estate ii) give the resons for spending it as you did, with any supporting documents like appointment letters for the psychologist iii) if you are in a position the repay the amount received under the NT tax code by installments make a proposal of what you would be able to repay IN THE EVENT that a general IPO is not imposed.
At court you will be given a chance to put your point, probably after the judge has heard the Assistant Official Receiver. Be as calm and assertive as you can, try and view it as a business matter not a personal thing.
I do think it would be good to put your side in writing to the judge before the hearing if possible. The judge will always review the file in advance of the hearing and by reading your side s/he will be more informed.
I will be looking out for an update from you.
Personally it seems like the OR is using a sledgehammer to crack a nut, this could have all been avoided with better communication from the OR's office. You have been unlucky but you are doing really well with the positive attitude! Chin up.
Good luck, I will look out for your update.
A2C (still here, mainly lurking but will reply to pm's)