| T O P I C R E V I E W |
| synaesthesia |
Posted - 27 October 2008 : 23:35:41
Dropping into the local (Northampton) court on Wednesday this week to finally do the deed! (Both me and my wife.)
So, what will I need to take? I know of the moneys involve (just under a grand) and the 3 copies of the forms each all signed.
I'm guessing some form of ID will be required, but anything else? Bank statements or anything? |
| 15 L A T E S T R E P L I E S (Newest First) |
| Needafriend |
Posted - 06 November 2008 : 08:31:31
Hi Syn
Thats the standard letter given on declaring BR.
If you have not spoken to the OR at the court then they will call you.
I would not worry though as this is what they give to everyone and its standard.
Take care
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| synaesthesia |
Posted - 05 November 2008 : 23:01:11
Ok, letters arrived this morning stating "It is ordered that.... be adjudged bankrupt..."
etc
On the bottom
"Important notice to Bankrupt.
The Official Receiver attached to the Court is by virtue of this Order receiver and manager of the bankrupt's estate. You are required to attend upon the Official Receiver of the Court immediately after you have received this order".
Will phone them tomorrow morning anyway, but I assume that's just going to be place of the otherwise telephone interview?
What is it likely we'll need to take?
Thanks for the continued help :) |
| Needafriend |
Posted - 03 November 2008 : 11:14:26
EXCELLENT NEWS SYN :-)
WELL DONE
I am so pleased for you, thats brilliant:-)
Take care
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| kazy1 |
Posted - 03 November 2008 : 11:07:19
What brilliant news well done ,things get done in the end 
Have a good day
Kazy1xxxxxxxxxxx |
| synaesthesia |
Posted - 03 November 2008 : 10:50:00
Result!
Had a phone call this morning - apparently the clerk made a mistake and we should indeed have been seen on the day! The judge saw out petition the following day and has granted us bankruptcy, so the hearing's done without us present - all we need to do is wait for the paperwork to arrive for us to sign. Happy days! :D |
| scaredkez |
Posted - 31 October 2008 : 00:05:28
don't worry about the i+e they go through everything on the day when you speak to them and you can tell them about the amendments then, good luck with everything, i know its a hard time and one i wouldn't wish on anyone, i went BR in april 2007 discharged 6 months later and to be honest it was the best thing i could have done both me and hubby like yourselves, we have now managed to get on with our lives, we still have the house to deal with, it wasn't easy at first as you go through so many emotions as you feel like you are in no mans land.
good luck hope it all goes smoothly for you.
kerri |
| synaesthesia |
Posted - 30 October 2008 : 23:35:17
They weren't interested, they'd apparently still have to contact them for further details, oddly enough.
Never mind, another question rather than adding yet another thread ;)
Should anything change on my expenditure/income between now and the hearing, would it matter too much - i.e. would that be something the OR would deal with anyway?
Reason being, it's likely I'm going to lose my (temporary) job in the next week. On top of this, I've put down a fixed amount for our rent of 4 weeks rent, entirely forgetting there's 5 weeks in some months (bloody councils, why can't they do rent in calendar monthly like everyone else :/)
Hope the OR won't mind if there's a couple of discrepancies? |
| Reviva UK |
Posted - 30 October 2008 : 08:07:27
Certainly worth a phone call - just suprised they didn't ask for one first
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
| synaesthesia |
Posted - 29 October 2008 : 22:47:58
Ah, I see - would it be of any help to them if I was to contact them and let them know I have such a letter to hand? |
| Reviva UK |
Posted - 29 October 2008 : 21:07:55
Sorry to hear about your day - especially after you have got mentally prepared for the day.
Without the letter of termination from the IVA company ( even if you haven't made any payments) the court often don't process the petition and will write to the IVA company to ensure that they are aware and see if they have any comments. This usually takes 2 - 3 weeks. It is then possible that you will be advised of the new hearing ( a formality) when the petition will be granted.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
| movin on |
Posted - 29 October 2008 : 18:40:24
Oh Syn
Im really sorry to hear about your day.
Why do these people not let you know these things in advance - i can only imagine how anxious you have felt today.
Please keep us informed of your new date
The weights are coming off my shoulders very slowly, but making such a big diference !! |
| Needafriend |
Posted - 29 October 2008 : 14:42:52
Oh Syn
So you have to wait now and see when the actual date of the hearing is.
Like you have said what a waste of time and money.
Let us know when you get a date and ihope that its soon for you.
I will be thinking of you and please take care.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| synaesthesia |
Posted - 29 October 2008 : 14:39:24
Very annoyed. Turned up half an hour early as instructed, went to the allocated place, waited for 45 minutes, then when I enquired about the wait and why we had to see a welfare officer first, I was informed as we'd already sought advice and the forms were done, we could go straight to the desk downstairs to go through it all.
So we did, another 20 minute wait downstairs, signed all the forms - we didn't need 3 copies, they did those there for us (wasted paper and ink!) handed over £990 - then told we'd hear in due course about the hearing date!
"Excuse me?"
"Yes, you need to come back for a hearing"
"I was reliably informed it would all be done today"
Apparently, because our failed IVA went as far as the meeting of creditors which takes place in court, it makes matters more complicated hence going back at a later date. We didn't even make any payments to the IVA, it never started :(
I did ask if that was absolutely necessary - we're now flat broke, it costs us £10 to get to Northampton, costs us £5 to park, costs me a days wages of £64, costs time having to find a babysitter. Very, very upset. But now it's out of our hands. I wish the court actually informed us of this in the first place, along with the CAB, both of which knew about the (failed) IVA.
So all in all 3 hours of mucking around the very badly thought out and awfully signposted Northampton Combined Court and we feel like our time and money was wasted. But it's not all bad - a lady was there just before us had missed her hearing by 10 minutes - she was late on the motorway as it was having to come up from Croydon, but to rub salt in the wound the court was so badly signposted a) she couldn't find the court and b) once there took her 15 minutes to actually find where she needed to go!
Poor soul! |
| movin on |
Posted - 29 October 2008 : 08:48:46
Hey Syn
Hope all goes well for you - let us know how you get on (when you got a spare 5 mins that is)
The weights are coming off my shoulders very slowly, but making such a big diference !! |
| Needafriend |
Posted - 29 October 2008 : 08:36:12
Hi Syn
Dont sign anything! It has to be done at court and witnessed. I think this may be a little late now.
Good luck though.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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