Posted: Mon Oct 01, 2007 12:37 pm
Hi,
After a nightmare, I am finally BR.
Tried an IVA but it didn’t work because my income dropped and my original IVA took into account my wife’s income. I requested variation to IVA, creditors refused so I faced up to BR.
I got paid on the 28th, BR appointment this morning, there for 9:00am. Took online forms with me, drivers licence, and of course £485 cash.
BR clerk was bit of a dragon, told me I filled out the forms wrongly. I asked why/where, said that she could not advise me on BR – What a help!
I managed to read through forms, crossed through bits that were not correct, and finally had the ok from the clerk. I couldn’t believe this as I thought the online forms sorted all of this for you.
Judge was really nice, and asked me why I couldn’t pay my debts (mine were £160,000). I said my IVA had failed.
BR approved.
I went back to the clerk, and she was a little bit friendlier this time.
What I couldn’t believe was that I was asked into the office area of the court and asked to sit next to a telephone in the open plan office. (I didn’t want to look at anyone around me, just in case anyone recognised me.)
I waited ages in the office area of the court for the OR to telephone. He asked a few detailed questions, finished the call and that was it.
NO MORE HASSLE FACED MY PROBLEM.
OR said that he would be writing to me, and I would probably have a telephone interview within next few weeks.
It was an absolute nightmare from IVA to BR.
All done now, so glad its over.
Little bit of advice, dont be afraid of all of this, get it all sorted.
You'll feel a lot better after, and of course you can have a lot of friendly advice from this website, including Melanie!!
Many thanks to you all for your help,
After a nightmare, I am finally BR.
Tried an IVA but it didn’t work because my income dropped and my original IVA took into account my wife’s income. I requested variation to IVA, creditors refused so I faced up to BR.
I got paid on the 28th, BR appointment this morning, there for 9:00am. Took online forms with me, drivers licence, and of course £485 cash.
BR clerk was bit of a dragon, told me I filled out the forms wrongly. I asked why/where, said that she could not advise me on BR – What a help!
I managed to read through forms, crossed through bits that were not correct, and finally had the ok from the clerk. I couldn’t believe this as I thought the online forms sorted all of this for you.
Judge was really nice, and asked me why I couldn’t pay my debts (mine were £160,000). I said my IVA had failed.
BR approved.
I went back to the clerk, and she was a little bit friendlier this time.
What I couldn’t believe was that I was asked into the office area of the court and asked to sit next to a telephone in the open plan office. (I didn’t want to look at anyone around me, just in case anyone recognised me.)
I waited ages in the office area of the court for the OR to telephone. He asked a few detailed questions, finished the call and that was it.
NO MORE HASSLE FACED MY PROBLEM.
OR said that he would be writing to me, and I would probably have a telephone interview within next few weeks.
It was an absolute nightmare from IVA to BR.
All done now, so glad its over.
Little bit of advice, dont be afraid of all of this, get it all sorted.
You'll feel a lot better after, and of course you can have a lot of friendly advice from this website, including Melanie!!
Many thanks to you all for your help,