| T O P I C R E V I E W |
| HELP BR |
Posted - 09 January 2009 : 09:44:49
Well am up at court at 10.30 and feel ill! Had my forms checked at citizen’s advice yesterday. |
| 15 L A T E S T R E P L I E S (Newest First) |
| Needafriend |
Posted - 12 January 2009 : 12:48:31
Hi Help BR
Let us know what happens and dont worry it will all be ok, promise 
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| HELP BR |
Posted - 12 January 2009 : 11:58:25
I have to call my OR (i thin thats who it is) at half one for a ten minute chat. Just want to know how much i will be paying over how long then i will feel better |
| movin on |
Posted - 09 January 2009 : 19:40:34
I am so pleased it went well for you - well done on your first step
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
| leakie |
Posted - 09 January 2009 : 19:26:50
Hi Jo and D&C
What happened , I recived a letter from the court that I was to go and see the OR as soon as I recieved that letter,
So this morning I went over to Southend and evently found the OR office, only to be met with a puzzeled look from the receptionist,
My OR came out to see me and explained that I need not have come in, but we went through a few things as I was there.
The OR's letter and info pack arrive just after I had left,
The first letter should not have arrive before the info pack, I recieved it yesterday,
So a 66 mile round trip for nothing really.
Well never mind.
I have to go back on the 22nd with my green book and accounts,
at least I have found a carpark quite close.
All the best
Leakie |
| Needafriend |
Posted - 09 January 2009 : 18:55:56
D&C
I think you will find that Leakie has had his initial call and not the interview, i could be wrong but i think like in my case it was the one to introduce themselves.
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| dazed and confused |
Posted - 09 January 2009 : 18:44:26
quote:
Originally posted by leakie
Well done Help BR
first step done,
I met the OR today for a breif chat, It was not as bad as I thought.
So don't worry too much about the next step.
All the best
Leakie
Hey Leakie
Glad your OR meeting went well!
Out of interest, what sort of things did they ask, and how come yours was a face to face?
I am still waiting for mine, and to be honest I am dreading it!!! |
| leakie |
Posted - 09 January 2009 : 18:19:58
Well done Help BR
first step done,
I met the OR today for a breif chat, It was not as bad as I thought.
So don't worry too much about the next step.
All the best
Leakie |
| dazed and confused |
Posted - 09 January 2009 : 18:07:08
quote:
Originally posted by pix1
The bank account depends on who it is. Nationwide or Coop are safe but as far as I know all others are subject to closure.
RBS have assured me 3 or 4 times that they will keep my Basic Account open and so far so good. |
| HELP BR |
Posted - 09 January 2009 : 16:09:10
Thanks all it does feel good. Having a night out tomorrow to celebrate
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| pix1 |
Posted - 09 January 2009 : 16:04:20
Well done and welcome to life on the other side. Your payments will depend on how much your disposable income is and be 50-70% of that. Make sure you use up all your essential expenditure allowances. See this link from the Insolvency Service website:
http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls
If needed, you can always revise your I&E provided it fits in with the guidelines.
The bank account depends on who it is. Nationwide or Coop are safe but as far as I know all others are subject to closure.
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| Needafriend |
Posted - 09 January 2009 : 15:05:22
Hi HELP BR
Congrats to you now that you are finally bankrupt and free from those damn debts.
Have a drinkee for me later if you drink if not a nice cuppa and celebrate.
Enjoy the start of your new debt free life
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| HELP BR |
Posted - 09 January 2009 : 14:45:53
Completely! I feel like I start moving on in my life. I think my payments may be high but I don’t care it will be much better than what I am paying at the moment and I will be debit free x |
| dazed and confused |
Posted - 09 January 2009 : 14:19:49
Congratulations!
It's good to have it done eh?! |
| JulianDonnelly |
Posted - 09 January 2009 : 13:57:04
Congratulations, and welcome to the start of your new debt-free life!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| HELP BR |
Posted - 09 January 2009 : 13:53:47
Hi all
All done and dusted and declared BR at 12:10 today. Now just need to wait for my call for interview. I am worried that they will close my new bank account but suppose I will just have to wait and see. I don¡¦t owe that bank anything and it¡¦s a basic account so fingers crossed!
I handed my forms (x3) and money in at 10.30 the man was very helpful and really friendly, then saw the judge at 12.10 and I was out within two minutes. Went back to the office where I handed my forms in and received a stamped completed set of forms back with my reference number.
New fresh start for me now ļ
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