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t_bird
Junior Member
United Kingdom
184 Posts |
 Posted - 27 June 2008 : 07:02:20
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We have our OR interviews today. My husband has a one to one at the OR office this morning and mine is by telephone this afternoon. im not particularily worried just want to get it out of the way. My husband is very nervous however despite me telling him what sort of things they will ask and about the support this site has given me.
Got paid today and just checked my new Co-op account....its all mine for once instead of all going straight out to pay CC's and loans. What a great feeling....I can finally do a decent food shop as we have been living off beans on toast this month due to no CC's for shopping.
If we have to make payments when are they likely to start? |
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 27 June 2008 : 07:45:25
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Morning tbird - best of luck to you both! You will be fine and can start to plan your debt free future as soon as this interview is out of the way.
No more beans....I wouldn't want to live with my husband for a month eating just beans!! lol.
IPA payments seem to take about a month to be set up - the OR gathers a lot of info, contacts creditors etc and although I don't pay an IPA others seem to have taken a good month to start paying theirs.
Good luck for later - let us know how you get on
Vicki x |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 27 June 2008 : 11:14:40
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It took 3 months before my IPA started.
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/ |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
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t_bird
Junior Member
United Kingdom
184 Posts |
Posted - 30 June 2008 : 16:17:49
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Thanks everybody. Hubbys interview took about 1 1/4 hours, mine was 20 mins on the phone with the nicest chap.
The house should be safe, we loose a car that would cost more than its worth to fix and keep our pensions but hubby keeps his motorbike and i keep my car. Pensions are safe as they are NHS ones and we canbuy back our life assurance for £50 each. no mention of IPA's but should get confirmation in post next week.
Having a great time shredding any CC bills that come in from now and had a right go at Bank of Scotland who have rung 3 x a day for the last 2 days to speak to hubby who has already told them case number etc. They are so familiar ad always ask for him by his 1 st name, ive ut in a formal complaint as each time they rung i told them what time he would be home.
Anyway.....feeling very positive and shoulders are starting to untense. My birthday tomorrow and actually feel like I might enjoy it despite it ending in a zero!! |
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s10
Junior Member
226 Posts |
Posted - 30 June 2008 : 16:41:08
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Hi T bird
Sounds like it went well, and I am hoping my appointment with the OR goes as well as yours!!! Have a good Birthday.
S10 |
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hammy0107
Junior Member
399 Posts |
Posted - 30 June 2008 : 16:58:02
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t bird,
Well done on getting through today. Here's to a debt free future.
My birthday is also tomorrow if the name isn't a give away. My interview is Thursday, i hope mine goes as well as yours. |
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Ian Richards
Junior Member
United Kingdom
296 Posts |
Posted - 30 June 2008 : 17:19:53
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| Well done t bird, its never as bad as people think its going to be, and Happy birthday to you and Hammy tomorrow. |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 30 June 2008 : 18:13:55
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Hi T Bird,
You now have a fresh start with no debt. Enjoy it!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 30 June 2008 : 18:53:05
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Happy Birthday t-bird and Hammy!!
Well done on getting the OR interview over with t-bird.
Have a good day tomorrow
Vicki x |
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OR interviews today
