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Stressed by BR - TP
Starting Member
12 Posts |
 Posted - 06 April 2010 : 14:22:18
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| Nope, my name's not coming up. It is supposed to show immediately? |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 06 April 2010 : 14:40:43
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Hi Stressed
try and relax
it will take a couple of days for them all to catch up with the bank holiday.
If you have a court number and a receipt for the money, then yes you are BR ?
Not that it makes a lot of difference did you see the District Judge ? if so then you are BR from the second the DJ said the words.
If you did not see the DJ then it would have been awarded in your absence and the paperwork will follow
regards Richard |
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Stressed by BR - TP
Starting Member
12 Posts |
Posted - 06 April 2010 : 15:04:51
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| Hi everyone. Just got a call from the OR for more information from me and yes, I'm bankrupt as from 1st April 2010! I am so rubbish and nervous when it comes to speaking about things of such a serious nature that I tend to waffle on (pretty much how I type) - lol. He asked did I have any assets and I said the only thing was my car. He asked how much it was worth etc and I told him. Then he asked what I needed it for, at this point I just froze. I was like erm, well, er shopping, visiting my mum - just rubbish things. I did tell him of my bad back and that I can't walk far. He asked how far and I just blurted about 500 yards, don't ask me why. I can't remember the last time I've ever had to walk that far, I drive everywhere!! Anyway from the answers I gave, I'm sure I won't be able to keep the car. I could have said it's essential rather than a convenience but he would have thought I was a bit too clued up. Think I've stuffed it up. Should I have asked him then and there whether I can keep it? I've got a flat tyre as of this morning and no spare, so cannot drive it. I need to know whether to get the car sorted. Don't fancy forking out money if he says it's got to go. Spent £300 on it just before Xmas to get it through it's MOT. Shall I call him back and ask or is it too early to say and might just annoy him. He said he's gonna ring me soon to arrange a telephone interview. |
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xmas baby
Average Member
537 Posts |
Posted - 06 April 2010 : 15:44:51
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Hi Stressed,
I would imagine it all depends on the value of your car. Is it worth more than £2000? If so, then the OR could well take it. Even if they do, they might let you buy a cheaper car, although if the car is not essential for you, the OR might not allow you the car. My own personal experience is that I can't really say my car is used for essential purposes, although I do use it often now to visit my mum who has recently been diagnosed with breast cancer, but when I was declared bankrupt last March, this was not the case and they still allowed me to keep it for a small token payment. I should point out my car is 15 years old and would hardly be worth £500 if that. I think it would have cost them more to scrap it rather than let me keep it and make £100 out of it.
xmas baby |
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Stressed by BR - TP
Starting Member
12 Posts |
Posted - 06 April 2010 : 17:28:05
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| Hi XMAS BABY my car is apparently worth between £645 - £905. I wouldn't say it's in particularly good condition and I know I have to buy a couple of tyres for it but at least I know what's wrong with it. I would consider my car essential for basic needs such as shopping, as well as I've had loads of hospital and doctors visits over the past few months and probably to come. I've got a dodgy 'complicated cyst' on my ovary, I had a dodgy one before and had an ovary removed, so I really don't want another one out. I'm having counselling too soon for depression and I think my ongoing back pain is just something I'm going to have to live with. But without a car I don't know how I'd be able to continue to do these things. |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 06 April 2010 : 17:40:52
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hi stressed
you have said what you have said, so do not beat yourself up about it.
you may have to get a doctors certificate to show that you need a car on medical grounds
if the car is nominal value below £2K they may not even bother about it.
their is nothing that you can do in the immediate future, relax and continue to use your car,
The OR can actually be quite understanding and nice. So even if they say No you can still appeal or negotiate
regards Richard |
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shelleyandrew76
New Member
84 Posts |
Posted - 13 April 2010 : 08:00:40
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Hello there. My husband and I were not allowed to keep our car. My husband is quite close to his work so could either walk or get public transport. I dont work but have 4 children to look after. We live in a town with not alot of things here and so have to travel out to hospitals/dentists/shopping etc. We also do a journey of a round trip of 460 miles every other weekend (so 2 of my children can see their dad). I thought it was the end of the world and could not live with out the car. However we were told that a third party could buy the BI interest. We said our car was worth £1500 and had to pay £700 to keep it. With such a low value on your car, you could be lucky and maybe get away with offering £150-£200. But with such a low payment, you may be lucky and just end up keeping the car.
Good luck :-)
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Stressed by BR - TP
Starting Member
12 Posts |
Posted - 13 April 2010 : 10:51:31
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Thanks for that Shelley.
I had my telephone interview with the OR yesterday. He seems like a reasonable enough guy. Regarding the car, he's going to write to my doctors for a medical report from them and that will determine whether I get to keep it. I'm feeling a lot more positive about the situation now. Looks like, as I'm not in arrears with my mobile phone or broadband, I'll get to keep them too. It wouldn't have bothered me either way though, as I've looked online and O2 are doing some great deals on mobile phones and mobile broadband. Onwards and upwards!!!! |
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BR single mum on benefits - will I lose my car?
