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HELP BR
Starting Member
34 Posts |
 Posted - 09 January 2009 : 09:44:49
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| Well am up at court at 10.30 and feel ill! Had my forms checked at citizen’s advice yesterday. |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 09 January 2009 : 09:53:11
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Hey HELP BR
First things forst - YOU WILL BE FINE - and please try to stay calm (easier said than done i know).
I honestly believe it will all go very smooth for you and you will be posting later to let us know how relieved you are.
Good luck for today
Jenny
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 January 2009 : 10:26:06
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Hi Help BR
I wanted to say GOOD LUCK for today. You should be there now and getting ready but do let us know how it all goes and when you get back you would have joined a rather elite Club.
So saying that Welcome to it.:-)
LOL
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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dazed and confused
Junior Member
United Kingdom
475 Posts |
Posted - 09 January 2009 : 12:11:23
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| Good luck for today - hope it goes well - I'm sure it will! |
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Nomoneynic
Starting Member
United Kingdom
32 Posts |
Posted - 09 January 2009 : 12:39:14
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Good Luck. A week today and I will be in the same boat. Let us all know how it goes. It will hopefully give us all a little reassurance.
Nic |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 09 January 2009 : 12:51:30
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Best of luck!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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HELP BR
Starting Member
34 Posts |
Posted - 09 January 2009 : 13:53:47
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Hi all
All done and dusted and declared BR at 12:10 today. Now just need to wait for my call for interview. I am worried that they will close my new bank account but suppose I will just have to wait and see. I don¡¦t owe that bank anything and it¡¦s a basic account so fingers crossed!
I handed my forms (x3) and money in at 10.30 the man was very helpful and really friendly, then saw the judge at 12.10 and I was out within two minutes. Went back to the office where I handed my forms in and received a stamped completed set of forms back with my reference number.
New fresh start for me now ļ
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 09 January 2009 : 13:57:04
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Congratulations, and welcome to the start of your new debt-free life!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
Edited by - JulianDonnelly on 09 January 2009 14:56:00 |
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dazed and confused
Junior Member
United Kingdom
475 Posts |
Posted - 09 January 2009 : 14:19:49
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Congratulations!
It's good to have it done eh?! |
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HELP BR
Starting Member
34 Posts |
Posted - 09 January 2009 : 14:45:53
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| Completely! I feel like I start moving on in my life. I think my payments may be high but I don’t care it will be much better than what I am paying at the moment and I will be debit free x |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 09 January 2009 : 15:05:22
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Hi HELP BR
Congrats to you now that you are finally bankrupt and free from those damn debts.
Have a drinkee for me later if you drink if not a nice cuppa and celebrate.
Enjoy the start of your new debt free life
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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pix1
Average Member
689 Posts |
Posted - 09 January 2009 : 16:04:20
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Well done and welcome to life on the other side. Your payments will depend on how much your disposable income is and be 50-70% of that. Make sure you use up all your essential expenditure allowances. See this link from the Insolvency Service website:
http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls
If needed, you can always revise your I&E provided it fits in with the guidelines.
The bank account depends on who it is. Nationwide or Coop are safe but as far as I know all others are subject to closure.
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HELP BR
Starting Member
34 Posts |
Posted - 09 January 2009 : 16:09:10
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Thanks all it does feel good. Having a night out tomorrow to celebrate
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dazed and confused
Junior Member
United Kingdom
475 Posts |
Posted - 09 January 2009 : 18:07:08
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quote:
Originally posted by pix1
The bank account depends on who it is. Nationwide or Coop are safe but as far as I know all others are subject to closure.
RBS have assured me 3 or 4 times that they will keep my Basic Account open and so far so good. |
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leakie
Junior Member
United Kingdom
158 Posts |
Posted - 09 January 2009 : 18:19:58
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Well done Help BR
first step done,
I met the OR today for a breif chat, It was not as bad as I thought.
So don't worry too much about the next step.
All the best
Leakie |
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dazed and confused
Junior Member
United Kingdom
475 Posts |
Posted - 09 January 2009 : 18:44:26
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quote:
Originally posted by leakie
Well done Help BR
first step done,
I met the OR today for a breif chat, It was not as bad as I thought.
So don't worry too much about the next step.
All the best
Leakie
Hey Leakie
Glad your OR meeting went well!
Out of interest, what sort of things did they ask, and how come yours was a face to face?
I am still waiting for mine, and to be honest I am dreading it!!! |
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today is the day
