Has it really been over 3 months since my last blog? Where has time gone? So lets fill you all in.
After the lovely call from our examiner telling us we could keep car, personal effects, furniture etc, we then recieved a letter asking for our signatures regarding Data Protection and our NIL tax codes. We signed these and sent them off immediately. Then we recieved another generic letter regarding us buying the BI in our home for £1. We agreed and signed this, but are still waiting news. After about a month or so (six weeks after BR), we still had had no interview, it was then that we discovered we were Type 0 Debtors, http://www.insolvency.gov.uk/freedom…art3/Part3.htm
and would probably never have an interview. Nothing much happened after that. llyods bank said we could keep our current/joint account, T-Mobile allowed us to stay on contract as did Sky, Setanta, BT etc. Our lives did change dramatically but in the most positive way. The only thing taken from us were our debts.
I returned to work which I am loving btw, but sadly my relationship with my husband continued to deteriorate. His family were rather unkind to me (second wives always seem to take so much sh*t)!!!!!!! and I made the decision to end our marriage. He moved in with a friend and I stayed here in the house taking on the mortgage on my own. I didnt have to go back to work fulltime either thanks to tax credits! I feel a huge sense of guilt towards my children, but they have a wonderful daddy who sees them all the time and they are very happy little girls. I too am much happier.
We wrote to the OR reciever early December to inform them that we had split up and enclosed a new I&E each, have still not heard back regarding this. However just 2 days ago we did recieve a letter each (both sent to my address) saying that after just three months of bankruptcy we are being put forward for early discharge. What a wondeful Christmas present. We quickly signed and completed the IPOQ and sent them off recorded delivery today, so now the wait is on. Apparantly this takes approx 56 days, however if they are too busy to process then ED does not happen.
So in a nutshell: No interview, No IPA, kept EVERYTHING and have not recieved a NIL tax code afterall (and unlikely to now). Nothing but positives.
Only negative is that I am still in arrears with my council tax (5 months) but will hopefully be able settle this in January by switching to an interest only mortgage for a month or two. Not liking my C0-Op Cashminder account too much. Have had two charges so far which were a result of the slow change over of DDs (some went to old account, some to C0-Op), and have now discovered that if I recieve one more then they will close my account. So just waiting for that to happen! Will try and clean up my file once discharged and rebuild my credit score so that I can get a current account again. But, that is the worst thing that has happened to be fair.
I’m still amazed at the ease this happened and the positive experince it has had on my life. Finances are getting better and it has been 8 months since I have used credit, which I just love!
So, I’ll let you all know as soon as I hear about BI and/or ED!
Merry Christmas xxxxxxxxxxxxxxxxxxxxxxxxxxxx�