Am now BR ...

[fudge34]

Yes we definately should have a coming out party! I need a drink! am fine now a bit shaky but just very tired and drained - really thought that this day would be easier than it was but i guess you don't realise how much emotional pressure you are under until it happens then after the event you realise how stressed you were! I am in a way, looking forward to seeing the OR just want to get it all done and dusted now as am keen to start looking forward not backwards!

[MelanieGiles]

Fudge - which Court are you adjudicated in? Some of the things you have been told are quite bizarre. The Court will definately not write to your mortgage lender! Why would they, they have no ambit to do so! Are you sure that it is a Court official you were speaking to and not a member of the OR's staff?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

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[Skippy]

Oh Fudge, I'm sorry you've had a bad day. As the others have said I wouldn't worry too much about what you were told today, the OR will be able to clarify the situation. The OR and their examiners aren't ogres and I'm sure you'll be fine with them.

Put your feet up and have a large drink x

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[fudge34]

Hi Melanie
It was Bristol County Court - it was the OR's assistant - she said that she took the bones of the case then the OR would have a formal interview with me in the next 10 days - I thought it was weird she was going to write to my mortgage company, particuarly when she said the decision was up to them (as I would have thought my equity would have been up to the OR) but I didn't feel I could challenge her as I didn't know whether what she was saying was right or wrong. It worries me if she is doing this and she shouldn't be - should I call them tomorrow? she said I have to write to your mortgage company to inform them of your BR status and what they do after that depends on them not us. I took notes so I know this is what she definately said!

[scaredkez]

fudge i am with NR and me and hubby have both gone BR we have maintained the mortgage payments and everything is fine, don't worry about that, to sort out the Bi can take a while and you can get upto 3 yrs in the house, that is what we are holding onto at the mo so eldest can finish his vital yrs off at school they have been very good with us so far and know we are both BR but we do maintain the payments and thats the main thing, they won't chuck you out, please don't worry about that.
kerri

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[mikebdomain]

Hi Fudge I have been in the sub prime mortgage industry for 17 years and I have never heard of any lender repossessing a house as long as you maintain the payments on any mortgage or loan secured on it… Strange advice indeed... Well done for getting this far and good luck with your OR interview.

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[MelanieGiles]

Leave it up to the OR - Northern Rock will probably take no notice of a Court employee and will also await the OR's first contact. It suprises me about Bristol County Court - I quite often lodge winding-up petitions in there and the staff are usually super efficient. Maybe she is new?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
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[fudge34]

Thanks so much guys you have put my mind at rest - to be fair she didn't know alot about anything, I was telling her most of it i.e. BI and what the IP had said previously and she said well its up to NR. I feel better tonight, had a good night's sleep and am now looking forward to the OR interview where I can actually get some proper advice as to what is what!
thanks again