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  • FIRST POST
    • IF
    • By IF 24th May 13, 11:40 AM
    • 34,136Posts
    • 87,523Thanks
    IF
    June's 2013 BR Club
    • #1
    • 24th May 13, 11:40 AM
    June's 2013 BR Club 24th May 13 at 11:40 AM
    Hi Everyone and Welcome to the June's 2013 Bankruptcy Club


    This club is for everyone who has gone or going through the process of Bankruptcy during June 2013. So please feel free to join and post.

    Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other during the different stages of your Bankruptcies.

    Remember this is your board so keep posting

    Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.

    ~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~

    IF



    1.....................meep777..................... ... ..4th June 2013
    2..................wharty and Mrs W…………….....17th June 2013
    3......................sandie11………………………......3rd June 2013
    4......................TheGardener…………………....24th June 2013
    5......................dettelibre................. ......11th June 2013
    6..................Helpmeoutofthismess………......5th June 2013
    7.......................nikki_84…………………………...4th June 2013


    Last edited by IF; 16-07-2013 at 1:25 PM.
    "If wishes were horses, then beggars would ride"
Page 1
    • IF
    • By IF 24th May 13, 11:40 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    • #2
    • 24th May 13, 11:40 AM
    • #2
    • 24th May 13, 11:40 AM
    * Blue text on this forum usually signifies hyperlinks, click on the blue links below *

    For ‘essential’ BR info the ‘Look here first’ sticky by Fermi.

    BR friendly home insurance thread

    BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

    BR Abbreviations

    Beth's Guide Reasons for your BR

    Charities who help with BR Fees

    Bankruptcy NDL Guide

    Basic Bankruptcy Advice & Guide NED CAB
    "If wishes were horses, then beggars would ride"
    • solventsoon
    • By solventsoon 24th May 13, 12:46 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #3
    • 24th May 13, 12:46 PM
    • #3
    • 24th May 13, 12:46 PM
    June........
    The time you enjoy wasting is not wasted time
    • Keeping Positive
    • By Keeping Positive 24th May 13, 4:41 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    • #4
    • 24th May 13, 4:41 PM
    • #4
    • 24th May 13, 4:41 PM
    June!

    Good luck to those joining this month x
    May 2013 new beginnings
    • IF
    • By IF 25th May 13, 8:05 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    • #5
    • 25th May 13, 8:05 AM
    • #5
    • 25th May 13, 8:05 AM
    June........
    Originally posted by solventsoon
    June!
    Originally posted by Keeping Positive
    I know, it will be Christmas before we know it!!
    • Keeping Positive
    • By Keeping Positive 25th May 13, 9:16 AM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    • #6
    • 25th May 13, 9:16 AM
    • #6
    • 25th May 13, 9:16 AM
    I know, it will be Christmas before we know it!!
    Originally posted by ifwisheswerehorses...
    NOoooooooo don't mention that word!
    May 2013 new beginnings
    • solventsoon
    • By solventsoon 25th May 13, 9:28 AM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #7
    • 25th May 13, 9:28 AM
    • #7
    • 25th May 13, 9:28 AM
    I know, it will be Christmas before we know it!!
    Originally posted by ifwisheswerehorses...
    You're banned, If
    The time you enjoy wasting is not wasted time
    • IF
    • By IF 26th May 13, 9:53 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    • #8
    • 26th May 13, 9:53 AM
    • #8
    • 26th May 13, 9:53 AM
    NOoooooooo don't mention that word!
    Originally posted by Keeping Positive
    You're banned, If
    Originally posted by solventsoon
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 27th May 13, 11:24 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    • #9
    • 27th May 13, 11:24 AM
    • #9
    • 27th May 13, 11:24 AM
    Bump.......
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 1st Jun 13, 3:06 PM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Bump.........
    "If wishes were horses, then beggars would ride"
  • meep777
    Bankrupcy Next Week
    Hi
    My Bankrupcy petition goes to court next Tues, Im dreading it, especially the OR interview. Ive nearly cancelled twice, but as my mum pointed out my problems wont go away. I split from my husband last year and live with my two girls, its nice to know you can talk to people in the same position as your self.

    Mandy
    • solventsoon
    • By solventsoon 1st Jun 13, 11:26 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    Hi
    My Bankrupcy petition goes to court next Tues, Im dreading it, especially the OR interview. Ive nearly cancelled twice, but as my mum pointed out my problems wont go away. I split from my husband last year and live with my two girls, its nice to know you can talk to people in the same position as your self.

    Mandy
    Originally posted by meep777
    Hello Mandy and welcome
    If you read back through the posts on the May BR Club you'll find a lot of people in the same position you're in now, hopefully that will help you to get through this.

    Good luck for Tuesday, sending you lots of positive thoughts.

    spoon x
    The time you enjoy wasting is not wasted time
    • IF
    • By IF 2nd Jun 13, 9:50 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Hi
    My Bankrupcy petition goes to court next Tues, Im dreading it, especially the OR interview. Ive nearly cancelled twice, but as my mum pointed out my problems wont go away. I split from my husband last year and live with my two girls, its nice to know you can talk to people in the same position as your self.

    Mandy
    Originally posted by meep777
    Hi Mandy and welcome to June's BR Club, I've added your name to post 1
    Deep breaths and you will be fine.

    My tongue in cheek checklist, what to take to court :-

    - Your two copies of 6.27 and 6.28 and the Originals, do not sign them, you do this in front of the clerk. Your completed EX160 if applicable and any benefit letters/forms etc as proof.

    - Money for bankruptcy fees.

    - Spare change for coffee machine.

    - Paper or magazine to read while waiting.

    - Change for car park.

    - Optional a friend to chat to/hold hand.

    Best wishes
    IF
    Last edited by IF; 02-06-2013 at 12:12 PM.
    "If wishes were horses, then beggars would ride"
  • meep777
    Thank you
    Hi
    Thanks for the comments and the useful information. I did my forms with a money advisor from the CAB so am just finishing them of today, thanks for the tip about not signing untill you get there. What kind of questions does the judge ask?
    Mandy
    • IF
    • By IF 2nd Jun 13, 2:15 PM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Hi
    Thanks for the comments and the useful information. I did my forms with a money advisor from the CAB so am just finishing them of today, thanks for the tip about not signing untill you get there. What kind of questions does the judge ask?
    Mandy
    Originally posted by meep777
    Experiences vary slightly depending on the court Mandy but this was mine, I had an appointment:-
    You go to the court, speak to the clerk they will go over the forms, they take the money. You swear that the forms are true. Then you'll be asked to wait, the judge may or may not see you (He will ask you if you sought advice, you say "yes' you name your debt charity that helped you). Then you leave and wait for the clerk to give you your Bankruptcy Order, ( sometimes this is sent to you later) you then Speak to the OR's clerk on the phone they'll ask you a few questions and you ask them you wish to use your coop/barclays basic account as your pay and DD's go through it. They say they will speak to the bank and they have no interest in it. It can take between 1 or 2 hours....although sometimes it can be quicker. The Clerk’s were professional, respectful and very helpful. As was the Judge, who looked younger than me!!!!

    Then you go home and have a nice cup of tea and chocolate !!
    "If wishes were horses, then beggars would ride"
    • Keeping Positive
    • By Keeping Positive 6th Jun 13, 8:34 PM
    • 4,665 Posts
    • 9,363 Thanks
    Keeping Positive
    Hope it all went well meep777
    May 2013 new beginnings
  • meep777
    Not as bad as I thought!
    Hi
    Just an update to let you know my bankruptcy went through last Tuesday. Both the Judge and the OR were really nice and I am allowed to continue to use my account my tax credits are paid in to and the bank agreed to me keeping the account. My Interview is this Thursday, and I have sent all the info requested by the OR. Im a bit nervous and not sure if I will have to pay anything monthly as the CAB lady said it was borderline, so Im praying!
    Thank you for all your support

    Mandy x
    • IF
    • By IF 11th Jun 13, 10:46 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Hi
    Just an update to let you know my bankruptcy went through last Tuesday. Both the Judge and the OR were really nice and I am allowed to continue to use my account my tax credits are paid in to and the bank agreed to me keeping the account. My Interview is this Thursday, and I have sent all the info requested by the OR. Im a bit nervous and not sure if I will have to pay anything monthly as the CAB lady said it was borderline, so Im praying!
    Thank you for all your support

    Mandy x
    Originally posted by meep777
    Hi Mandy, I'm so pleased all went well on Tuesday, congratulations and here's to your new start
    Will be thinking of you on Thursday too and remember it's nothing to worry about, its just for the OR to get a feel why you went BR. Before the call just look through your 6.28/SOA so your familiar with what you have said. The OR will just go through your 6.28/SOA with you. Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. Do have a list with all questions ‘you’ want to ask.

    IF


    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 12th Jun 13, 5:47 PM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Bump.........
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 13th Jun 13, 9:20 AM
    • 34,136 Posts
    • 87,523 Thanks
    IF
    Bump.......
    "If wishes were horses, then beggars would ride"
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