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gdc
Starting Member
12 Posts |
 Posted - 08 September 2009 : 17:47:16
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Would just like to thank everyone on this forum for all the help that they have given. A few months ago, I was a nervous wreck, who daren't open the door for fear of bailiffs and daren't open any post for fear of nasty letters. Like many others on here, i really was at my wits end and didn't know which way to turn. But I took the bull by the horns and decided to go bankrupt. This I was absolutely dreading, but on the day the court staff were very courteous and I was only in the court for less than half an hour. It really was not as bad as I was expecting. I had contact with my OR and received a letter saying I would be having a telephone interview. Again, absolute dread, I was expecting the grilling of a lifetime. That day was yesterday and to be honest it wasn't nearly as bad as I was anticipating. The OR I dealt with was extremely pleasant (quite cheery actually), very professional and generally a very genuine guy. The interview lasted just under an hour, where he explained he would not be interested in my car, nor my works pension and after going through I&E he said I didn't have enough spare for an IPA/IPO (which was a huge relief) but he would be going for a NT code and collecting this money (which I was expecting. Anyway after an hour he said thank you very much and said that I shouldn't expect to hear from him again other than a bit of correspondence. I was genuinely shocked as my debt is quite high and thought I would have to account for every penny.
To summarise I would like to thank the people on this forum who have answered many of my questions over the last few months and have guided me through a very difficult part of my life, their help has been amazing and the work they do is superb. For anyone who is just starting down the path of bankruptcy, all I can say is it is not as bad as you think, your life will not end and the chances are your quality of life may well be improved.
Good luck
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 08 September 2009 : 17:58:40
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That's good news gdc, the OR's interview was the most nerve-wracking part of the whole process for me.
You should receive a note confirming the car is exempt from your BR within the next couple of weeks and then notification about the NT code and, with a bit of luck, maybe notification of ED a few months down the road. |
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Would just like to thank everyone on this forum
