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Hi everyone, well, I am now officially bankrupt. As everyone here said, the court staff were very nice, and the judge only asked if I had taken advice - that was it. OR called yesterday afternoon, to ask whether I own a car or house - I don't - and said he will be in touch today or tomorrow to arrange either a telephone or face to face meeting. He said we will probably be able to do it over the telephone though [:)]. Yesterday was very emotional, and I cried several times to be honest [:(]. However, today I feel quite relieved. Worrying about the OR interview, and whether I will get an IPO or BRO, but I guess that's beyond my control now - will just have to wait and see. I must thank everyone here who has helped and provided support - I tell you, I couldn't have coped without you all! Thank you all so much[:D]. I will keep you all updated, as to when my OR interview will be! D.

Glad the courts bits over for you - well done for getting through it.

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I glad you're ok Douglass - it is scary stuff but you're now free of your debts and can move on with your life.

Whether or not you get an IPA/O depends on how much surplus you have - the general rule is you need £100 or more for the OR to implement an IPA/O. Regarding a BRO/U, I can't say whether that is likely - it is something that worries me, but the way I'm trying to look at it is that it won't actually affect me that much. It won't affect my job and I don't want credit anyway! Whatever happens it's not as bad as worrying where the next penny is coming from.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

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Well done and good luck with everything in the future.

Best Regards
Oliver

Thomas Charles and Co Ltd.
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Well Done and Good luck to your future that hardest part is now done, and time really does go quick it is almost 7 months since my petition and i have not heard a thing from my OR since the interview, I did not get an IPO I can only persume that i wont get a BRU as said not heard a thing since then.

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Well done for getting through today douglass
Good luck in the future.

glad to hear your feeling better today....yesterday must have been a right mix of emotions.

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

Well done douglass - now you can look forward to a debt free future.

Sue

Ho Hum! Think I'll bang my drum!

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First bit over Douglass well done. You will be fine.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

Well done douglass, there is life after BR. Don't worry about the meeting with your Trustee. Mine was the local Official Receiver. One very pleasanr meeting and three years later I rang her to ask for my Discharge Certificate. Nobody read the notice in the local newspaper either. If you feel fed up at anytime and down, give me a call.

John Tegg
www.asu4iva.co.uk
0845 673 9999

We will make all your IVA payments for you if Accident or Sickness stops you paying them yourself.

Thank you all so much - I am really touched by your kindness. I have heard this afternoon from the OR. My interview will be on 22nd October - and it's face to face! Why do some people get a telephone interview and some people are requested to attend a face to face interview? He said that he will send some forms out and I need to read them carefully, and a letter will explain what I need to take with me - he said it will be mainly be statements etc from the last few years etc. I am petrified now! D.

Douglass,

Glad to hear that everything went well, All the best for the rest of your bankruptcy. [:D]

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IVA Experts
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Dont worry Douglass you will be fine. x Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

Glad to hear that it went well - good luck

douglass i am glad to hear it all went well for you, hope you are feeling some relief now, all the best.
kerri

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