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T O P I C    R E V I E W
helen_w5 Posted - 06 August 2009 : 15:54:34
Hello - can anyone help with this? I went on my DMP in 2006 and never touched anymore credit from that point onwards, I just made my payments on time every month for the next couple of years and all was fine. Then in 2008 when I went to uni to enrol on year two of my degree I was told that I could not return to uni because my fees for 2007 had not been paid - I was under the impression that my government were paying them due to my low income. Anyway it turned out that I was not entitled to government funding for that year due to previous study and therefore I had to pay those fees. This was £3150 and obviously I didnt have that money so I had no option but to take a loan out for this to pay these fees. Well I paid the loan for ten months on time every month, and picked up more (maternity cover) hours at work to ensure I could. Now the lady on maternity has retuned and I am returning to uni and so my wages have taken a huge drop - I have therefore made myself bankrupt. My only concern is that will I get into trouble for taking that loan whilst on a DMP? Scared of BRO
15   L A T E S T    R E P L I E S    (Newest First)
frosie90 Posted - 07 August 2009 : 21:08:42
Yippee Helen, hun. So chuffed for you. Well done!!!! Thought about you this morning and was hoping it would be good for you. Great news!! Now you relax and start to enjoy your new life! You deserve it. Well done again. Rosie x
mitsu8 Posted - 07 August 2009 : 20:50:20
hi well done.wish mine was that easy
sjbyron Posted - 07 August 2009 : 19:35:18
Excellent Helen Well Done and enjoy your well deserved break

Stu J Byron
Skippy Posted - 07 August 2009 : 18:43:20
You'll get the paperwork to sign for an NT code whether you will get one or not - I had to sign it even though I went BR too late in the tax year.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

25 IPA payments made, 11 to go - on the home straight!
helen_w5 Posted - 07 August 2009 : 16:57:28
He said no IPA as no disposable income. He is not sure about the nil tax code as come September I wont be earning enough to pay tax so I guess it wont be worth them bothering - not sure - he said he'll send me the nil tax code stuff but he thought it was probably pointless.

Im SOOOOOOOOOOOOOOOOOOOOO happy tonight!!!
sjbyron Posted - 07 August 2009 : 16:40:39
Sounds like it is, did he mention an ipa?

Have a good relaxing night and that bottle of wine you deserve it

Stu J Byron
helen_w5 Posted - 07 August 2009 : 16:34:16
Is that it now then? Can I have a glass of wine and sleep tonight?

Is it all over finally?
sjbyron Posted - 07 August 2009 : 16:11:26
Hi Helen

That is excellent news, well done

Keep on posting

Stu J Byron
Reviva UK Posted - 07 August 2009 : 14:38:02
well done!

Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com

Real People ..... Real Debt Solutions
Karen Jane Posted - 07 August 2009 : 14:10:57
Hi Helen, I am so pleased it went well for you. I am not BR yet but I am sure I will feel as you did about the OR interview when it happens. Try to relax now you have done the hard bit and if there is anything else you will be able to deal with it as you have got this far. Take care and all the best for your debt free future.

Karen x
helen_w5 Posted - 07 August 2009 : 11:29:02
Thanks Skippy3

Do you think that is it now then? Do I just sit back and wait for discharge now? Or might something else go wrong?
Skippy Posted - 07 August 2009 : 11:26:39
Excellent, I'm really pleased for you xxx

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

25 IPA payments made, 11 to go - on the home straight!
helen_w5 Posted - 07 August 2009 : 11:13:26
Hi guys!

Just to let you know that the OR interview could not have gone better! It was AMAZING!!! The OR was so nice and professional and totally understood why I was in the situation I was - he helped me with all the questions and was very easy to talk to. He only really asked me about the two big debts and I easily explained them and he seemed totally happy with my answers.

At the end of the interview he said "Ok Helen that is the end of the interview, you wont hear from us again unless you receive early discharge which is a possibility".

I am so happy I literally cried!!!

Im almost scared to relax incase something happens to mess it up :)
Reviva UK Posted - 07 August 2009 : 09:01:59
i know it is a little late now but there is a non 0845 out of hours emergency number on the contact us page

hope it goes well

Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com

Real People ..... Real Debt Solutions
Skippy Posted - 07 August 2009 : 08:39:44
Some mention that it may happen at the interview, some don't.

Good luck, it'll be over soon x

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

25 IPA payments made, 11 to go - on the home straight!

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