Posted: Mon Sep 10, 2007 2:07 pm
Hi all,
I said I would try and get online to let you know how my day in court went so here goes.
We dropped our daughter off at school then made a sharp exit to Lincoln County Court(we live near to Grantham) well what a farce trying to get there was! Appointment was at 10am so though we had ample time to get up to Lincoln, however road signs are in short supply in some parts in Lincolnshire - we made it into Court at 9.57am!
A lovely lady was waiting for us and took me and my husband into a small room and went through our papers, she was really nice and put us at our ease. We didn't have to pay the court fee as we took our tax credit awards with us so they waivered it which was good news so we just paid the OR's fee (I think she called it). We then had to pay and go upstairs whilst she went into the Judge to get our forms signed (we didn't have to see him) some woman at the upstairs reception was really snotty with us as she thought we were there for family court then was really nice when we told her we were there for Bankruptcy - strange attitude.
So back down into this room again and there we have it, at 10.31am I was officially made bankrupt and my husband a minute before that.
She said that she would inform the OR not to freeze our Lloyds account as it's a totally basic one with no credit facilities so we can keep it which is good news as I didn't fancy rushing round Lincoln trying to open a bank account. She also said the OR would ring us either this afternoon or tomorrow for a 10-15 minute interview i'm not sure if that will be it or there will be more interviews to follow, not hugely looking forward to that bit though.
All in all it wasn't as bad as people would expect it to be, we weren't made to feel like total scum bags and were treated with respect at what was and is a difficult time in our lives. I'm very glad that bit is over though, I am expecting to be an undischarged bankrupt for longer that 12 months though but I don't care at the moment.
I hope my experiences help someone else in this situation, sometimes this is the only way out for people and it's a big step and will need all the help and advice and the experience of other people they can get.
I said I would try and get online to let you know how my day in court went so here goes.
We dropped our daughter off at school then made a sharp exit to Lincoln County Court(we live near to Grantham) well what a farce trying to get there was! Appointment was at 10am so though we had ample time to get up to Lincoln, however road signs are in short supply in some parts in Lincolnshire - we made it into Court at 9.57am!
A lovely lady was waiting for us and took me and my husband into a small room and went through our papers, she was really nice and put us at our ease. We didn't have to pay the court fee as we took our tax credit awards with us so they waivered it which was good news so we just paid the OR's fee (I think she called it). We then had to pay and go upstairs whilst she went into the Judge to get our forms signed (we didn't have to see him) some woman at the upstairs reception was really snotty with us as she thought we were there for family court then was really nice when we told her we were there for Bankruptcy - strange attitude.
So back down into this room again and there we have it, at 10.31am I was officially made bankrupt and my husband a minute before that.
She said that she would inform the OR not to freeze our Lloyds account as it's a totally basic one with no credit facilities so we can keep it which is good news as I didn't fancy rushing round Lincoln trying to open a bank account. She also said the OR would ring us either this afternoon or tomorrow for a 10-15 minute interview i'm not sure if that will be it or there will be more interviews to follow, not hugely looking forward to that bit though.
All in all it wasn't as bad as people would expect it to be, we weren't made to feel like total scum bags and were treated with respect at what was and is a difficult time in our lives. I'm very glad that bit is over though, I am expecting to be an undischarged bankrupt for longer that 12 months though but I don't care at the moment.
I hope my experiences help someone else in this situation, sometimes this is the only way out for people and it's a big step and will need all the help and advice and the experience of other people they can get.