Less than 24 hours to go

philnicandamy

Glad to see you finally got the chance to print your forms off

good luck

banksshouldworry

Good luck today ITBS. I hope it goes well for you.

Just remember that the judge is human (and his !!!!!! smells too!).:rotfl:

banksshouldworry

InTheBrownStuff wrote: »

All printed off, in 3 seperate plastic wallets.

Just ironing shirt now and then I'll leave at about 8, don't want to be late.
Hearing at 10 am

Absolutely kakking myself but I'm sure from reading other accounts in here today aint that bad. Might actually get some sleep tonight:rolleyes:

Will update everyone later.

Fingers crossed all goes well

theunknownstuntman

Hey ITBS, been following your thread (s), just wanted to say good luck today fella, you'll be ok.

So_Sad_Angel

InTheBrownStuff wrote: »

Just ironing shirt now and then I'll leave at about 8, don't want to be late.
Hearing at 10 am

9.54am nearly over now! we`re all with you ITBS.

Angelx

Waspeze

Hopefully you're pretty much done in court now

Really glad you managed to get everything printed in time!

Will check back later to see how you got on!

ralabaf

hope it went well

Summer1969

Hope it all went ok!!

JPS29

Im back from court now and officially bankrupt.

Thought I'd feel glad but tbh I feel like !!!!!!.

The people in the court were absolutely fantastic, really helpful and a really nice judge too.

Then I was told that I had to go straight over to the ORs office. Wasn't really expecting this but thought it could only be good news to get everything sorted there and then.

How wrong was I.......

The first chap that seen me was pleasant enough and filled some forms in whilst asking questions. When he asked me did i have any questions I asked him about my houses, car, tax etc. He couldn't answer but said that the next person i saw would be able to answer my questions.

She came in and introduced herself, then went through my forms. I felt like I was being interviewed by coppers, she was harsh.

I mentioned to her that i didn' want to hide a single thing and would give her complete open book. She noticed one of my accounts was in my property company name. I told her that due to me being made BR I had resigned from this company over amonth ago and my partner was director. I again mentioned that I was not trying to hide anything, hence me mentioning it, but didnt want to fall foul of director/br rules.

She said that it could be argued that I was trying to place assets out of reach of creditors. My reply was that i wasn't, hence the disclosure, and if they want the house in the ltd co. name and the hassles that go with it they can have it.

We then got on to the gambling:rolleyes: She looked at the figure I put as a loss and asked how I lost it. I told her that I went on poker etc online but also that i had had wins that will not show, so actually the loss is less.

She asked where and i told her some nights I have came out of casinos with around £5k. "Well, we'll need to see proof of that, like the cheque receipt" I informed her that it was paid cash "No it wasn't, they dont pay out large amounts in cash" she said. "Yes they do, I said in scotland 50 x £100 notes;) " I then said that I wasn't trying to hide anything and if she wanted she could have my full authority to contact the casinos and see my visits there etc.

"We dont need your permission, we'll get it anyway" she snapped.

At which point I said "you don't really like me do you?" She started to stutter and back track before i then informed her that i didnt want to leave school start a business, have it fail, owe a sh1tload of money, go bankrupt and end up losing my lovely X5 and driving drunks round in a taxi!"

She went out the room to get some further paper came back and for some reason was much nicer.

Apparently they are going to do a drive by valuation of the house to ascertain any BI in it. The good news is that the figure they look at to determine the BI is the redemtion figure, and mine has something like a £12 k Early repayment fee:D

She even asked if I had any money on me there and then in my pockets to put towards paying my creditors? And if I had some at home:rotfl:

I must have just caught her on her off day but I really felt like I was being told off/punished.

I have been told that she will arrange an appointment in the next 2 weeks which is likely to take 3 hours due to my assetts etc.

So in the meantime I need to graft my 4rse off to prove I can affors to pay my outgoings (but not too much so i get an IPA;) )

Thanks for all the support,

I wasn't expecting to feel this down but hopefully that will improve.

norby789

sorry to hear about the horrible OR. Good luck for the future.

Phil

banksshouldworry

Thanks for the update ITBS and sorry that you feel !!!!!! rather than glad.

No matter - you're one step closer to freedom even though it may not seem like it.

banksshouldworry