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Indigolock
Starting Member
14 Posts |
 Posted - 06 April 2009 : 16:55:18
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Hi
I am just about to press the 'submit' button on the Insolvency.gov website to submit my br application.
How long, on average, does it normally take for things to happen from then?
How long until I get contacted by the OR (if at all)
How long until my back account is frozen?
How long until a court date?
I am asking because I am paid weekly and want to judge how much money I should take out of my account to live on and of course when I should stop my wages being paid into the frozen account and a new account opened to allow me to continue paying bills.
Thanks!
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focus320
Starting Member
27 Posts |
Posted - 06 April 2009 : 18:18:41
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Hello Indigolock
Pressing the 'submit' button just sends the information to the OR department where it is 'parked' until you arrange your Court date.
They will not be arranging courts dates for you, you still need to do that manually by telephoning the court. When you get to court you'll give them a printed copy of your on-line application and they will then marry it up with you online submittion.
As for accounts being frozen this may (or may not) happen sometime after you've seen the OR - in our case it took 4 months for our account to be frozen, at which time we opened Co-op cashminder accounts. If you're accounts are in debt (which our were not) it happen quicker, but there doesn't seem to be any set time scale.
Hope that help some. |
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 06 April 2009 : 18:41:49
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After you have submitted the forms online contact your nearest court you can use.
http://www.hmcourts-service.gov.uk/HMCSCourtFinder/CourtList.do;jsessionid=8790821053DD949318BEEEF353EFA026
They will tell you if you need to make an appointment or just turn up, Take 3 copies of your submitted forms and £510 (less if on certain benefits)
On the day you will probably have a quick chat with the OR on the phone and organise an interview, either face to face or telephone interview.
Its not as bad as most people imagine my day in court went very well, but i must admit i had the help and support of Reviva but lots of people do it on their own, its a personal choice.
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurman)
Life's too short!!! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 06 April 2009 : 19:31:06
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I think you have to sign the forms at court, not before you go, as they have to be witnessed.
The glimmer gets brighter all the time
Jan
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Indigolock
Starting Member
14 Posts |
Posted - 07 April 2009 : 09:03:01
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Thanks for the replies :)
£510? I thought it was £475? £325 deposit and £150 costs?
Yes I remember reading that the signatures have to be witnessed.
So when I telephone the court I am making an appointment to see the OR, not actually trying to book a court date?
In the meantime of all this happening, whilst things get sorted, is there anyone I can refer my creditors to? Or do I just tell them I have started proceedings and effectively ignore them until I have something more concrete to say? |
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peppa-pig
Starting Member
26 Posts |
Posted - 07 April 2009 : 09:45:18
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Hi Indigolock
The fees have just increased this week.
Whe you ring the court you are asking to book an appointment to file for bankruptcy.
In the meantime, it's upto you how you want to handle your creditors. You could either unplug your phone or ignore it and not answer it. Or you can speak to them and tell them your plans. However, be aware that they may start trying to get heavy handed with you and demanding immediate payment or tell you the bankruptcy won't cover what you owe etc. They may also increase the number of calls they make to you. It's scare tactics because they want their money. As soon as you are declared bankrupt you can just refer them to your official receiver to deal with. |
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