www.iva.co.uk

Well tomorrows the day we go bankrupt. The court appointment is at 9.15. I realised today that had omitted something from my form and started to panic a bit - I answered no to the involved in any legal action question but just remembered that I put in a claim for bankcharges and the court date has been postponed twice and although I cant for the life of me find my latest letter from the court I'm sure the new date is for July some time. I have submitted my forms online so I don't think I can just amend the paper copies but I figured if I just take the details along with me they can advise me on the best way to handle it.

Still a bit worried about the bank account cause my husband gets paid weekly so I might have a bit of running about to do on getting that one sorted.

I suppose the thing I'm most worried about is the OR interview. I keep in my mind trying to justify everything I have spent money on over the last 12 months. I know we have disposible income to pay into an IPA now but not from August when my income is reduced due to my daughter leaving 6th form college and going to Uni so I'm not sure how they will handle that.

Not too worried about tomorrow so hopefully I'll get a good nights sleep. My husband has booked the day off work and hasn't told any of his colleagues about why he is off. He works for a really small company with only 3 directors and 4 staff. I on the other hand have told all my colleagues and will be back at work in the afternoon invigilating an exam. Sometimes I think I'm as tough as old boots and nothing can break me.

Wish me luck!

Dee

All the very best for tomorrow Dee.

Ang xx

Ah Dee, I wish you the best of luck. I'm sure everything will go ok for you and you can finally move on. I'll be thinking of you tomorrow. viki X

all the bst from me too dee! will be thinking of you!

barb x

Good luck for tomorrow

Adding you to my positive thoughts to send for tomorrow Dee!

Very Best of Luck!
May

Thank you for your thoughts, I'll let you know how I get on

Dee XxX

Good luck for today Dee.
Sending lots of positive thoughts your way.
xx

Good luck Dee, hope everything goes well today, Try not to worry about the OR, it's just another step towards that debt free future we all want.
xx

I hope it went well Dee.

Regarding the bank charges, just mention this to the examiner when you speak to them - they aren't ogres and are used to things being missed from forms. As long as you tell them there won't be a problem.

Don't worry too much about the IPA. Explain the situation to the examiner so that they are aware of it. If they do put an IPA in place n your current figures you can ask for it to be reassessed when your situation changes - it's quite flexible. It seems that an IPA takes an average 3 months to implement (some more some less) so your situation may have changed before you actually make a payment.

Hi all

Well the deed is done. I wasn't too worried this morning but I wish someone had told my stomach that! We had to go through one of those metal detector things when we got to court which in itself was a bit scary then there was someone I used to know and not get on with in the office where we were seen. I just pretended that I hadn't noticed her. We went through the forms swore on oath and handed over the money. We were then sent away for 45 mins while the judge looked at our case. While we went for a coffee my mum was on the phone telling me that my brother was homeless again and could he come stay with me, of course I said yes. When we went back we were shown to a side office to speak to the OR office.

I knew the discussion was going to be fun when she had to have my name spelt to her several times, well Donna is a bit unusual!?! She had quite a heavy oriental accent and I was just worried about my husband speaking to her because I knew he would get fits of giggles, he always does when he's nervous! All the time he is on the phone my brother is texting me about coming back to stay with me! Anyway it was really straight forward and she told us they had no interest in the bank account. We were free to go and everyone had been lovely.

I went to my bank who said that they didn't think we would have our account closed. She was wrong, I called them tonight and they closed it there and then! My husbands salary will be sent back to his employers and once the OR confirms no interest we will need to go to the branch for the rest of our funds.

Called Co-op re a cashminder, they went through the app which was refered so I have to wait until later in the week to find out whether it has been accepted. The guy on the phone said out of the 25 apps he had put through in the last month most were refered and only 1 declined and that was because details weren't correct so I think fraud was suspected. So fingers crossed.

Just need to write to the 2 courts where action is being taken for CCJ's to confirm the br.

Glad that bits over, onwards and upwards!

Dee

PS I felt all your positive thoughts x

Done and dusted Dee, congratulations. And by the way, you are a wonderful sister! X

well done dee - was thinking about you! thats another hurdle crossed!
you will soon be on the home front!

barb x

I'm glad it went well Dee, and I'm sorry about your bank account. Don't worry too much about your Cashminder application being referred - it happens to a lot of people and they still get the account.

At least it's done now Dee. As for your bank acc app, our app was referred then accepted the following day. Thing will start getting better soon,
xx