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eldraque
Junior Member
191 Posts |
 Posted - 05 July 2008 : 09:00:16
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Well, after my appearence in court went far far more smoothly than i could possibly have hoped for (not even having to see a judge, etc) i was thinking before my telephone interview with the o/r that this part of the process was going to be much more taxing, i thought i was going to get a proper grilling as to what had happened to all the money and how could i have been so stupid if not dishonest kinda thing.
Nothing could have been further from the truth.
As i mentioned in my previous post my o/r had a lovely telephone voice , very sultry, and this had not changed when i spoke to her this time, we were talking almost as if we were mates. She breezed over my personal details in her charming manner and then when we got to my list of creditors i thought "right here we go, no more mrs nice lady" but how wrong i was, she seemed perfectly content with my explanantion of all my debts simply being that they were for debt consolidation and general living expenses, i said the same for each loan and card and she did not question it at all. There were no tricky questions about quite how i had managed to rack up the debt, what i had actually spent it on exactly etc, nothing.
And basically that was it, we didnt go through my living expenses, she is going to send me a form to fill them in again and wont ring me unless there appears to be grounds for an ipa, but she didnt seem at all interested in that side of things. So she's going to send the report to my creditors and presumably if they dont kick up a fuss about anything in particular and there's no need for an ipa then that would appear to be just about it.
When i put the phone down i thought this cant be right, it's almost as if theyve got no interest in my case at all. I still expect a sting in the tail somewhere, im not quite sure where though, this all seems so tame its unbelievable. Anyway, thats all for now, not quite sure when i'll hear from them again but as ive said before for anyone nearing their interview or court appearence then try not to worry too much. |
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Ian Richards
Junior Member
United Kingdom
296 Posts |
Posted - 05 July 2008 : 09:22:19
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| Well done to you and as you have now seen for yourself its never as bad one expects. Now you can start enjoying your debt free life. |
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eldraque
Junior Member
191 Posts |
Posted - 05 July 2008 : 10:11:49
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| Well thanks 'loads', yes debt free life, to be honest thats has barely registered with me as yet. Interestingly going bankrupt is not a jump for joy moment is it, more of a major inconvienience with plenty of attached stress. I dont feel particularly happy about being debt free although its better than being in debt of course, at the moment im just wondering about what the future holds, will i be able to survive and live at a reasonable standard etc etc etc. I would say that going bankrupt is just as surreal as everything else thats happened tp me in the last couple of years. Still fortunately im blessed with an optimistic character and im just wondering what else life will have to hold along the way. I just wish i knew the secrets of the universe and what my tiny role is supposed to be. |
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Blindshrimp
Junior Member
190 Posts |
Posted - 05 July 2008 : 10:52:40
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In order to get to the rainbow....you first have to pass through the rain.
One of the biggest hurdles for me was to admit to myself I made a mistake, learn from it and move on....you will do the same, good luck to you:-) |
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Ian Richards
Junior Member
United Kingdom
296 Posts |
Posted - 05 July 2008 : 11:07:04
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Ha ha, dont we all matey, well i do anyway!
Remember, the first two roll's of any species that live on earth is procreation and survival!
Many of us are just trying to survive, and you have to do whatever means possible to do that. You i and others chose Bankruptcy to survive what was happening to us at that given time, unfortunately we don’t have to like the things we do to do it, but we just have to do it, that’s our survival instincts!
I’m very happy about my decision, life is so much better without the debt.
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O/R INTERVIEW OVER.
