Interview on Tuesday next week

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Julie

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Post by Julie » Mon Aug 10, 2009 9:30 pm
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Look forward to your update tomorrow, what time is your appointment at the court?
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Navydog

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Post by Navydog » Mon Aug 10, 2009 9:54 pm
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9am
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kallis3

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Post by kallis3 » Mon Aug 10, 2009 9:57 pm
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Not long - hope it all goes ok.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Navydog

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Post by Navydog » Tue Aug 11, 2009 12:42 pm
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Well its all official now. feel like a big weight is lifted but feel bad that its come to this.

Anyway it was a breeze but did feel a bit clinical so to speak.

So can we get onto the OR questions now please lol. spoke briefly to a member of the team and seemed painless but maybe its good cop bad cop?

hoping for a telephone interview as the wife is due to give birth of Thursday :D
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kallis3

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Post by kallis3 » Tue Aug 11, 2009 12:47 pm
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Hi Navydog,

Glad it went ok for you.

I don't think you will have a problem with the OR and it may be a while before you get the actual interview so I think you will be there for your wife!

I hope the birth goes ok, let us know all the details once it has happened.

We loved babies on here!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Michael Peoples

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Post by Michael Peoples » Tue Aug 11, 2009 12:53 pm
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Congratulations Navydog on starting over. The OR will be painless enough which is more than can be said for your wife and Thursday!!!
Very best of luck on the impending birth.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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Julie

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Post by Julie » Tue Aug 11, 2009 1:45 pm
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Glad that went well and is over and done with.

The OR interview will just go through your income & expenditure - it takes about 45 mins. The important thing is to have all your paperwork in front of you, ready for the call. We had a lot of our allowances increased, so they really are there to help you. With us, they could tell us at the end of the call how much the monthly payments were, £150 for 36 months. This depends on your disposable income and some people don't have to pay anything.

It takes a while to get everything in place though, hubby went BR beginning of Feb and first monthly payment was made end of May.

Hope all goes well with the birth and little one doesn't keep you hanging around for long [:D] keep us updated xx
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Navydog

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Post by Navydog » Tue Aug 11, 2009 4:50 pm
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Hey all, well went to hospital today with the wife and she has had a sweep so baby should be here by friday and if not, being induced on Sat. been a great day now :D

spoke to OR office today and they seem nice. interview is next friday.

Obviously hoping to keep property as im in neg equity with it and its our family home.

thanks all for your help and if you think of anything please let me know.

p.s does it always last 36 months?
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Michael Peoples

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Post by Michael Peoples » Tue Aug 11, 2009 4:53 pm
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The income payments order/arrangement will last for 36 months but the bankruptcy should only be for a maximum of 12 months unless there are reasons to extend it.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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MelanieGiles

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Post by MelanieGiles » Tue Aug 11, 2009 5:01 pm
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Having a new little addition to the family is so much more important than worrying about bankruptcy hearings and meetings with the OR!! Best of luck to both of you for that, and be sure to tell us how everything goes - especially on the baby front!
Regards, Melanie Giles, Insolvency Practitioner
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Navydog

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Post by Navydog » Sun Aug 16, 2009 10:12 pm
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Not sure where to put this but my wife gave birth to our first born today at 02:41am A beautifull baby boy weighing in at 7lb 10oz

both doing great. Name is Oscar
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Skippy

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Post by Skippy » Sun Aug 16, 2009 10:15 pm
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Congratulations! I'm really pleased for you. I hope mum and baby are doing well xxx
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kallis3

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Post by kallis3 » Sun Aug 16, 2009 10:32 pm
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Fantastic news Navydog and congratulations to you and your wife and a warm welcome to Oscar.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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MelanieGiles

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Post by MelanieGiles » Sun Aug 16, 2009 11:31 pm
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That's brilliant news - so pleased for you both and little Oscar.
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Mon Aug 17, 2009 7:48 am
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Congratulations and enjoy Oscar x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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