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Hi everyone, firstly thank you all for your kindness and support - it's been a real help to me.[:o)]
Well, I had my OR meeting yesterday. The examiner was a very humane guy, who listened carefully, didn't judge me, and didn't treat me like a piece of dirt. I won't say it was easy, and it was very emotional, but I am through it now.
The examiner said that I should know within a month what my IPA will be, and he said that as much of my debt was incurred last year, a BRO may be possible, although he will take into account my mitigating circumstances. He said that he understood how my bereavements had influenced my spending. He also said that it may not be in the "public interest" to issue me with a BRO, bearing in mind I could lose my job over it - then my creditors would be unlikely to receive very much at all, which doesen't help anyone. Again, thanks for all the advice guys - really appreciated. D.

douglass glad that bit is now out of the way for you, fingers crossed you don't get the BRo.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Thanks Kerri - yes, another step done. And already bankrupt for 2 weeks, so if I don't get a BRO, only 50 weeks to go (trying to be optimistic here!). D.

Well done douglass im glad it went well for you.

mrs skint

You must be so glad that the meeting is out the way, you must have been so nervous beforehand. I am pleased that you had an understanding examiner, it must make it a bit easier.
Hope it all works out for the best for you
Emma x

Glad you have had your meeting,it must have been a very stressfull time for you.
I hope the future will be a lot happier,and you won't get BRO
But even if that does happen you have come a long way and you will deal with it.
Take care

tracy

Hi Douglass, I'm glad you've got the interview over and done with, and fingers crossed you won't get a BRO!

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

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Hi Douglass,

Well Done on getting another stage of bankruptcy over and done with [:D]

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

Hi Douglass,

Good to hear you are through the first stage - good luck with the BRO

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Thank you all so much! I am relieved that the interview is over, although if they want to give me a BRO I may have to have a further interview. I will feel better once I know what my IPA will be, and whether I will be getting a BRO. Fingers crossed, eh! Thanks again guys. D.

It all sounds positive so far. Well done and all the best in the future.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Thanks very much - I have to be honest, it was much more positive than I thought it would be! D.

Well done douglass - your future looks a lot brighter for you!!

Good luck

Sue

Ho Hum! Think I'll bang my drum!

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Well done Douglass!!! Keep thinking postive thoughts!!! As you say the OR listened to you, so fingers crossed that you don't get a BRO!! What did the OR work your surplus income out as?

Interested to know how it went with surplus income etc as I will have have one soon.