www.iva.co.uk

Hi Everyone

I hope this finds you all well today.

Well it's done. Went to the court for 9.30am to see the judge. I had to hang around for a while, which I expected. Then the Clerk from yesterday came and sat with me and said 'The judge is very happy with your petition and therefore he does not need to see you'. I was so shocked - I had built myself up so much that I was going to see him. She asked me to go downstairs so she could bring me my order - which she gave me and then that was it. I left the court in a total state of shock - I could not quite get my head around how smooth it had gone. I guess I felt that due to my own guilt, having a rollocking from the judge would have been what I felt I deserved. Do I feel better now? I am relieved there is a conclusion. I am still in disbelief how smooth it went - my life has never been smooth so this is a total shock! The OR called as soon as I got home and talked to me about a few things. They do not publish your name locally anymore - only in the London Gazette. Also I had been advised not to put my bank account, which is not connected with the debt in anyway, on to the BR forms. However the OR contacts the bank anyway and the bank decides whether to freeze your account or not - not the OR. She said if she contacts them before the bank get my name from the London Gazette it is better as she will tell them she is happy for me to keep the account. Anyway my big interview is next Thursday - step 3 - and then that is it.

I don't feel in anyway it is a happy thing or pleasing experience. To be honest it has been desperately sad - a total emotional rollercoaster. But I know over time I will get my head round it and life can move on positively. I was really pleased as the OR said she would file in my report my request to Thank my creditors with all my heart for lending me the money and why - and also my sorrow at not being able to pay them. I kind of feel better about that now - like there is some closure. I guess as my debt is totally linked with my children that is why it is so emotional.

I do have to share with you something though that made me remember what all the debt was about. Last night my son (9 years) who has only been at school now for 6 months - read to me from a book. I know it would have been a book probably for a 5-6 year old - but I don't care. MY SON READ! Despite all of his disabilities, in 6 months the speech and language therapist at school has got him to differentiate the sounds and now he can read a little. Was it worth it - absolutely no question Yes everytime. Both children have a future now - something I could not provide for them on my own, nor any other school - but getting them to this very special school - well I believe they can achieve anything now. An eminant psychiatrist from the High Court had predicted my son, last January, would be dead or in prison before he was 18 if he didn't get to this school. Now look at my boy fly And my daughter too - she's learnt to swim despite having one of her numerous problems as an OCD about water!

Sorry to waffle on guys and bend your ears. I am going to have a quiet rest of the day. Thank you for listening. And especially I want to send a Hug to Melanie Giles - Melanie Thank You from the bottom of my heart - thank you for listening - and thank you for helping me when I felt so lost.



Poppyfairy [:)]

Poppy what a lovely and inspiring post!

You have got the worst bit over now, I am sure the OR interview will be fine.

I am so pleased about your children as well, they seem to be coming on in leaps and bounds. Everything seems to be going your way now - long may it continue.

Don't forget to let us know how you are getting on,and your experience will be invaluable for other posters.

well done poppy

Really pleased for you. Lovely to hear your children are getiing on better at their school. You did it all for them and now they will have a better future. x[:)]

Excellent post and clearly bankruptcy was the correct decision. Best of luck in the future but stay on the forum.

So glad it's nearly over for you Poppy.

Children are so precious and you're obviously a fantastic Mum, who has the courage to put her family first.

The telephone interview will be fine and if your bank account is frozen ( ours was) then you can open another account.

Well done Poppy [;)]

I can't put into words how Inspirational you are, you have put a lump in my throat. All I can say is congatulations for choosing the right option for you and having the guts and determination to carry it through. Good luck to you all for the future and please keep posting.

very pleased indeed for you Poppy - so glad it worked out and good luck for the future

What an absolutely fantastic post Poppy!...and I'm so pleased that everything went smoothly for you. Wishing you and your family all the very best for the future. Good luck and well done once again! [:)] xxx

Hi poppy, may we just add our congratulations for today also, you truely are an inspirational person, and a decicated mother, we wish you and your family the very best for the future, and look forward to reading your posts, take care and good luck h4u xxxx (p.s we adore your little symbols they're fab!! x) [:X]

Hi Poppy have just caught up with this after a busy day at work but well done and congratulations to you, I hope that you can rest and be stress free. Take care and be safe.

Very positive post, lovely to read glad it's all coming together for you. x

What a lovely post and a huge well done to your son for reading to you. Being the mother of an Autistic 6 year old i can quite understand your pride as infact would any mother of any child.

I had my sons review today for his statement of special needs. His teacher informed me that he got married yesterday to a lovely little girl in his class. Bless him LOL

Children certainly keep us going and a smile and a hug from them is priceless.

Well done poppyfairy

Janet x

Good Morning to Everyone

I hope this finds you all well and happy.

Thank you so much for all your support. You really are an amazing bunch of people.

I am feeling a bit better this morning. Just really focused towards the OR call and waiting to find out if my bank account gets frozen. I am going to run down to the bank shortly to withdraw most of the funds out of the account - just in case. I am also going to have a really good look at the pre-paid cards as I think I will probably need to have one of those. I have read a lot on here about all the different ones and I think it is just trawling through them to check which one is best for me. I did check the London Gazette this morning to see if I am in - but am not - probably tomorrow now. Another thing that can get checked off the list once it has happened.

You are all such special people and I am so grateful to each one of you.

Have a great day all. Going to make a cuppa now!

Poppyfairy