skippy just been re-reading your blog and erm ooopppss i burnt all my statments when i decided i was definatley going to go br ****.(it was kind of like a statment i was making with my statments) and also with the I&E do you think they will take in to account im still homeless (living in friends box...

How did you find the OR interview??

Well after months of sleepless nights and 35 days of none stop work and overtime to save up the court fees my court date finally came and went. I didnt sleep a wink last night and was sat on the edge of the bed from 4am this morning re-thinking what i could do to avoid going to court and declareing ...

well i did cry in natwest they made me feel so bad it was unreal

so i went into the co-op bank and explained that i am in court tomorrow morning to make myself br, the lady i spoke to was so understanding not patranoising and didnt make me feel like scum on the bottom of her shoe as my own bank the natwest did yesterday. by mon/tues i will have a bank account no ...

So been to the natwest which i set up on a dmp and explained my situation and as i have been a great customer with them no defaults late payments or missed any dd they kindly said once it is frozen they will not re-open it until i am discahrged and when that happens they will reconsider me, or in 6 ...

Does anyone have a link to what i need to take with me to the courts on Thursday i know i need 3 copies of the insolvency forms but what else. Why oh why oh why do they make this proccess so hard you would think they dont think br is not stressful enough without having to search hi and low for all t...

Hi Withoutapaddle All the very best of luck to you for next week. Do you have any idea of when you will be discharge? (Sorry if this is a stupid question, I don't know much about bankruptcy - I'm in an IVA.) At least you can have a fresh start now. Good luck Liz x No idea hopefully as no assets it ...

Well this time next week i will be back from walsall county court and bankrupt im still scared of this happening i still think its a dream and i still get dissapointed that my numbers havent come up to stop this from happening, i have no idea if natwest will allow me to keep my account im in no arre...

Just to update you all

http://www.iva.co.uk/forum/topic.asp?wh ... 1790#89515

Hi there the team at Walsall are just fine and quite helpful. if you have the flexibility of time / work then it may be worth ohoning on a daily basis to see if they have a no show - often happens. Have you sorted out the new bank account etc etc etc yet? i have basic bank account with natwest that...

Going to phone up daily to check. was on a dmp with the cccs and couldnt keep it up budget was too tight and creditors wouldnt accept anything less, homeless and living with friends problem is all mail is sent to my parents address and no matter how many times i explain that i dont live there its ju...

Well finally saved up the court fees to go br only to find out i have a 4 week wait to get to court. parents still dont know about having to go br and bank and cc company threatning court action hopefully will get to court before they get a knock at the door. As anyone ever used walsall county court...

sorry got iva and ipa mixed up

takeing a while to get used to all the abrieviations

omg can they make you take an ipa too !!!!!!!!!!!