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Sean73
Starting Member
United Kingdom
13 Posts |
 Posted - 29 October 2010 : 18:21:55
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| after waiting for a month for my termination certificate to come through from my IVA which I had been in for the last 3 years, I plucked up the courage to go to court today with my completed bankruptcy forms. The man at the counter was really nice about it and even cracked some jokes while he was checking my papers through. I didnt have to see the judge personally, but I was moved to a waiting room just incase he wanted to see me, and then moved again once my papers had been signed and just had to wait 10 mins for them to be typed up. They then explained I would be contacted today by my OR to arrange the interview etc. OR has contacted and my interview is over the telephone on 4th November at 8.45am. I feel like a big weight has been lifted of my shoulders already even though I still got the interview to come, but im use to the interviews more with being in a IVA previously. Just hope all goes well on thursday, thanks for people who gave me advice about 6 weeks ago when I first registered, its nice to know you are not alone. Will keep you all updated |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 29 October 2010 : 20:11:23
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Great news Sean, congratulations! I'm sure the meeting will be fine.
Please keep posting and let us know how you get on.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 30 October 2010 : 14:43:36
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glad to hear it went well.
i'm sure the interview will as well
welcome to the rest of your debt free life
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurhman)
RevivaUK and Paul Johns helped me through it all i can't recommend them enough!! |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 31 October 2010 : 00:02:40
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Hi Sean,
Good to hear that you've finally made it! the interview will take about 30 - 45 minutes if that, keep the forum updated how it went.
Well done
Big Al |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 31 October 2010 : 09:36:49
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Glad it all went well. I hope your interview goes ok and it all works out for you.
Good luck for the future.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 31 October 2010 : 10:43:48
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Well done Sean, I'm glad it went well. Let us know how the interview goes x
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Sean73
Starting Member
United Kingdom
13 Posts |
Posted - 04 November 2010 : 11:04:16
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| well I had my OR interview this morning with the examiner, everything went really well, I was just completly honest with her. We just went through my bankruptcy forms wich I had completed for court. I even get to keep my car which is on a HP agreement, and carry on paying the monthly payments as normal due to I have only 8 months left on the agreement and she said it was not worth them taking the car and also I have to travel quite a distance to work. She informed me that I have no IPA to pay and explained that my tax code would change and that the tax that I dont then pay thorugh my wages will need to be paid to the OR each month. With my debts been quite old and also being in a IVA for just over 3 years, I havent got to send any old statements in to the OR office unless they request specifically at a later date. The telephone interview only lasted 35 minutes and most of it was just confirming what I had included in my SAO. She said there it is likely that I may be early discharged before June next year but they will write and clarify this in the future. Still hasnt sunk in yet that I have completed everything, my mind just feels abit numb that im not constantly worrying about what im going to do next with my debt. |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 04 November 2010 : 15:21:46
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Glad to hear that everything went well for you - your comments will give others currently going through the process or considering the process, confidence that it is not going to be anywhere near as bad as they thought (it never is!)
People I have assisted through the process often tell me that they have the best nights sleep in ages, either following the court date or the OR interview.
Please keep posting your positive comments will really help others!
Melanie Nicholas
29 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
telephone 01792 899996
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Julie
Starting Member
42 Posts |
Posted - 05 November 2010 : 20:38:58
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Glad everything went well Sean..its a strange feeling isn't it?
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Sean73
Starting Member
United Kingdom
13 Posts |
Posted - 05 November 2010 : 21:27:20
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| Yes Julie, it still hasn't sunk in yet. Received my information pack today, must have been delayed because it tells you what to have ready for the interview etc, and mines been and gone. Just got to sign a couple of forms and send them. |
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Julie
Starting Member
42 Posts |
Posted - 05 November 2010 : 23:28:41
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My hubby went BR after a failed IVA so I know exactly how you feel. xx
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Finally did it.....
