I've done it!

[Skippy]

As of 10.15am this morning I am officially bankrupt. I decided to go sooner rather than later and I am so glad I did. Everyone at the court was so nice to me. After paying my money I had to wait to see the judge, I was with him for about 10 minutes and I was then given a letter advising that the OR would contact me within 7 days, and if I haven't heard, contact them. I'm now worrying about the OR meeting, but I know I am now on course for my fresh start.

Thanks to everyone on here for all your help and support over the last few months, and good luck to everyone who is in the same situation.

Onwards and upwards!!!

[sps]

Hi Skippy
Really pleased it all went ok for you this morning Hopefully that horible feeling in your stomach you must have had has gone and you are right on your way to a fresh start. Try not to worry about the OR meeting as you have done your best to deal with your debts and they will see this. Take care and keep posting
Sue

[lesley]

Well done Skippy I hope you can move forward now or as you say "Onwards and Upwards".
My creditors meeting was at 10am, still don't know what's gone on I'm going to need a drink tonight if he's not quick.

[Skippy]

Hi Sue and Lesley, thanks for your kind words, and good luck Lesley - I'd give your IP a call if I were you.

Onwards and upwards!!!

[lesley]

I'll give him another hour and then I'll ring, might be going BR myself yet. will let you know.[:u] Nailbiting, I didn't realise how nerve-racking it was going to be.

[coco]

Hi Skippy,

Well done to you as we both know it is not an easy decision to make but i am glad that i have done it, still have mixed emotions but today i am debt free at a huge price. I have my interview with the OR on the 24-04-07 so like yourself still feel the uncertainty if what will happen with the house the car etc. i think then can i truly feel that i can put my life back on tracks.

Good luck to you in the future.[:D]


(I apologise for my keyboards poor spelling and grammar)
http://coco.blogs.iva.co.uk

[Skippy]

I know exactly how you feel Coco. I am so relieved that the court part is out of the way, but worried about the OR. I know I don't have a house, but I really feel for you on that one. I wish I knew when the OR meeting was going to be, but apparently my local one is really busy so it's just a matter of waiting. I am going to give them a call tomorrow to ask about my bank account as Lloyds are happy for me to keep it, but I want the OR to confirm it's ok before my salary goes in!

Good luck Coco, I will be thinking of you x

Onwards and upwards!!!

[freelili]

Well done skippy

I hope both of your OR meetings go OK.

Good luck Lesley, I really hope that you hear something soon.
Love

LILY

I asked God for a solution and have to live with his reply.

[lesley]

Thanks, I have been online to myvesta uk who recommended them and they told me to ring. I don't know how long I should leave it. But I'm getting worried now so it won't be long. I just need to know which way I am going with it.

[coco]

Hi Skippy,

We had a 10 min interview i mentioned our basic bank account and they said that they dont freeze them it would be the banks decision, I spoke to Barclays the week before and they would allow my account to stay open as they are not one of my creditors and as it is only basic there is no concerns on that one.

(I apologise for my keyboards poor spelling and grammar)
http://coco.blogs.iva.co.uk

[ian]

Hello Skippy.

Glad you got everything sorted out, good luck for the future.

Hopefuly will talk to you again on here.

Regards.

Ian

[ian]

Hello Lesley.

As they say no news is good news, i cant understand why your IP has not contacted you after the creditors meeting.

but i have heard that this can be normal, as i was told this, but i was contacted about an hour after my meeting.

I am keeping my fingers crossed again for you.

Regards.

Ian

[Adam Davies]

Well done Skippy
Try to keep posting as your experiences will help others.
Regards

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

[Skippy]

Thanks everyone. I phoned the OR this morning to ask about my bank account - Lloyds were happy for me to keep it, and so was the OR, but they told me that it could still be frozen by Lloyds as different departments don't always talk to each other - and don't we know that?!? I have opened a Co-op Cashminder account to be on the safe side as I don't want to take any chances with my salary. They also said I could keep my mobile phone contract with Vodafone as I don't owe them any money. I will have to wait about my car, and that's the one thing that worries me. I should hear from the OR in the next week to arrange the meeting, so fingers crossed they'll let me keep a car of some sort. I feel much more positive today than I did yesterday, just glad I have finally done something.

By the way, congratulations Andy/Neverending!

I have updated my blog, and I hope that it might help someone else in the same situation. I will update it again when there are more developments with the OR.

Onwards and upwards!!!

View my blog at http://skippy13.blogs.iva.co.uk/

[tracy.h]

Its so good to hear how positive you sound,well done skippy,reading yours and kerris posts have kept me sane,even though you have been through so much you are always there with advice and support to others.
I really wish you well for a bright future xx