All Forums  archive  bankruptcy postbag for august  My experience thus far (long post)

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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by zamfir[/i] [br]Hi all, I've been monitoring this site over the past few months, as my personal debt was getting out of hand and creditor payments were starting to bounce. My biggest problem was keeping my debt a secret, but after plucking up the courage to speak with a forum expert (thanks Melanie) and tell my parents about my debt, I set about petitioning for personal bankruptcy. I attended court on 7th August, and was amazed how nice everybody was in the courthouse. In fact, it all ran so smoothly that I spent 30 minutes maximum in 'official attendance', didn't need to appear before a District Judge or attend the Official Receiver's office. Immediately after my morning in court, I went to my local Co-Operative Bank branch, informed them that I'm an un-discharged bankrupt and attempted to open up a basic Cashminder account. Within 5 minutes, I was told that I'd been accepted and given a sort-code/account number. However, after reading some stories on this site, I'm worried that they may write to me and reverse this decision. The Official Receiver called me today for a quick pre-interview chat, and I'm booked in for a 15-30 minute telephone interview next week. This is the only worry I have now, as I've only got 3 months of statements and I can't really account for all the reasons I've got into this state, beside the fact that I lived beyond my means. I was quite amazed when the Official Receiver agreed that my wages (paid into my bank account the day after my bankruptcy was ordered) could be withdrawn in full, ready for a new bank account to be set up. The account obviously wasn't frozen immediately, but now shows a nil balance. Still worried about the Co-Op account, I gave them a call today, but was told that the account was still not set up. Incidently, NatWest confirmed today that they'll close my Current Account and give me a Step Account (Solo debit card) as they're not one of my creditors. So if all else fails! Sorry for the long post, but I just wanted to say thanks for everybody's great contributions on the forum, and re-iterate that a problem shared REALLY is a problem halved. Without this site/forum, I don't think I could've made it through. T x [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.