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homerjay1973
Starting Member
15 Posts |
 Posted - 13 December 2011 : 17:27:21
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After extensive advice from my friendly CAB advisor, many phone calls to the Insolvency Service helpline and a couple of forum posts on here, I have finished my paperwork and I have today been given a court date of next Wednesday. I am both excited that I could have this whole mess behind me in time for the holidays and nervous in case I have filled in something wrong and I don't know what to expect
I'm sure that this has been asked a hundred times already but what happens at court? All I have been told is that I should be there for 9.30am with two copies of my papers or three copies if I want one signed and sealed for my own records.
Is there an accepted dress code? How long does it take? questions questions questions..... |
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debtinfo
forum expert
2826 Posts |
Posted - 13 December 2011 : 18:52:15
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| It is a little different in each court but generally you go see the clerk and hand over your money and forms, dont worry to much there is much leeway and you have to be spectacularly incompetant to actually get turned away, usually if there is a slight mistake, they will usually just ask you to correct it there and then. then you go and wait and wait a bit more, whilst the clerk takes the forms to the judge, sometimes the judge may want to see you, dont presume this is because they want to tell you off or there is a problem, it is just a fact that some see everyone, some see a proportion of petitioners and some judges try and get away with seeing as few as possible, if you do go and see the judge they usually just ask you if you have sought advice and if you understand the consequences and as long as there is no funny business going on they will nearly always grant the bankruptcy, if you dont see the judge they just stamp them and bring them back leaving you wondering how it just cost you £700. and thats it pretty much sometimes you then get a call there girect from the OR but most people get sent home and told they will get a call in the next couple of days |
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debtinfo
forum expert
2826 Posts |
Posted - 13 December 2011 : 18:54:05
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| missed out, there is no dress code, but if it was me i would dress smartish, wont make any differnce to the result, although i dont think anyone has ever tested it yet with a borat style mankini |
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glafy
forum expert
436 Posts |
Posted - 14 December 2011 : 08:27:35
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I can only agree with debtinfo's post.
We didn't see a judge & were in and out, wondering where our Court fees had gone!
It is a rather overwhelming environment but remember that you are just 1 of many, many people through the court that day.
Wear something comfortable, I did dress a bit smarter than usual but that was because it made me feel more confident 
We received a phone call from the clerk to the OR later that day & were then given a telephone interview date for later in the week. This obviously differs from area to area.
Good Luck on Wednesday & keep us informed.
"Life isn't about waiting for the storm to pass...
It's about learning to dance in the rain." |
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homerjay1973
Starting Member
15 Posts |
Posted - 14 December 2011 : 10:43:31
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Thanks for the replies guys, This is the end of a process that I have been debating with myself for about 18 months, hoping that I would find work and I wouldn't have to do it but I guess there comes a time when enough is enough.
I will be sure to buy a newspaper on the way into town just in case I'm there a while and assuming everything goes to plan, I will be treating myself to a large Starbucks and a sticky bun afterwards :) |
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homerjay1973
Starting Member
15 Posts |
Posted - 21 December 2011 : 14:20:21
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Well, it's done. I had a 9.30 appointment in court this morning and was out by 10:10. Most of that time was spent waiting for the Clerk to prepare the paperwork and arrange for me to see a Judge, which I did for all of 2 minutes while he explained procedure and asked me if I had taken correct legal advice before proceeding with Bankruptcy.
And that was that.
I wasn't nervous until I actually walked into the court building but there was no need to be. I have spent months researching this and have spoken to many people about the process and the paperwork. I left court with mixed emotions. I am still unemployed and skint, but I no longer owe a mountain of debt. I am now waiting for my telephone call from the OR.
and YES, I did leave court wondering what I (or rather my parents) had just spent 700 quid on :o) |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 21 December 2011 : 14:26:57
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Glad you giot that sorted. Best of luck with your OR interview.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
Edited by - Niobe on 22 December 2011 17:07:32 |
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homerjay1973
Starting Member
15 Posts |
Posted - 22 December 2011 : 16:55:17
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| Still waiting for my phone call from the OR. Think I'll gave them a ring in the morning. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 December 2011 : 17:08:29
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Did you not have an initial call as soon as you were declared BR? I think that's what normally happens.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
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debtinfo
forum expert
2826 Posts |
Posted - 23 December 2011 : 13:31:15
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| it used to be Kallis, it does vary accross the country, but most of the time now you go home and get the initial call later, but it depends on what the local court and OR have agreed |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 23 December 2011 : 16:03:15
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Thanks debtinfo, wasn't aware that it had changed.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
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homerjay1973
Starting Member
15 Posts |
Posted - 23 December 2011 : 16:31:26
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| Court told me I would get a phone call Wednesday afternoon. Finally got the call this afternoon (Friday) and having a telephone interview on 4th Jan. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 23 December 2011 : 18:12:24
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I'm sure it will be fine.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
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glafy
forum expert
436 Posts |
Posted - 25 December 2011 : 01:44:33
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Good Luck homerjay1973
I'm sure all will be fine. Have all your paperwork to hand plus a stiff drink.!!!!
Let us know how things progress.
"Life isn't about waiting for the storm to pass...
It's about learning to dance in the rain." |
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homerjay1973
Starting Member
15 Posts |
Posted - 04 January 2012 : 12:11:49
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Well, just had my telephone interview with the OR. All pretty painless but then again I don't really have much that he needed to talk about. Lots of creditors, that he pretty much skimmed over with a cheery, 'so the credit cards were run up to supplement income, yes?'.... I have no bank accounts, own no property and have no assets. My Pension can't be touched and we will be given the opportunity to buy back our interest in my Life Insurance policy for fifty quid or just leave it and hope I don't die in the next 12 months (I'm only 38 so fingers crossed).
I spent almost 18 months thinking about doing this, worrying about it, not knowing what would happen or how it would affect things but I have to say that so far the process and been straight forward and painless. This forum has been a help, my local CAB advisor was great and the Insolvency Service helpline has always been there to answer any questions too. MY experience in Court was very quick (turned up for a 9.30 appointment and was declared BR before a Judge 19 minutes later) and my OR interview has been very straight forward but my situation is about as simple as it could be. My only concern has been that going BR does not affect my Partner's financial status and we seem to have achieved that.
I would advise anyone thinking about going BR to not worry about it. Ask on here, read, read and read again all the paperwork that is involved to make sure you know what they are asking for and ask your local CAB debt advisor to help you. I'm not happy that I have had to do this but the fact is that I had to, I've done it and now I can start planning what happens next. A huge weight has been lifted and for the first time in years I am not worrying every time the phone rings or the postie comes. |
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Viki.W
forum expert
United Kingdom
2211 Posts |
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I have my court date, what to expect?
