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Went B this week, now F2F INTERVIEW!!!PLEASE HELP
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Is there anything you are particularly concerned about that you think the OR might not approve ofHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
Well the thing I did do do wrong is take out credit when i couldnt afford and i did it aslo to buy my flat - so i lived outside of my means!
Thanks Dalip for the reassurance, i really need sont know how I am gonna get past the weekend or nights0 -
Lots of people have done that or they would not be bankrupt, only about 5% of people have any furthe action taken against them.
Have a look at this link which shows the type of cases where the OR takes further action and hopefully you will agree that you have done nothing like those.
http://www.insolvency.gov.uk/databases/ddirector/viewbrobrudetailssummary.asp?gnnregion=south%20westHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
So the worst they would do is slap with you with a BRU...no big deal...i know nobody wants one..but they are not going to put you in jail. Relax tell the truth......be happy and debt free. Sometimes we have to go through bad times to reach good times and to appriciate them.DxFree impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
Thanks Dalip!
I have seen some of the cases and i think that they will give me a BRU, because i had got credit after credit although i was able to pay alot of it off- can i not explain that I had alot more debt and tried my best to make payments on time-will that not wash?
So if i get a BRU, does that mean that my IPA will also last for that length of time too?0 -
BROKEBUT4HOPE wrote: »Well the thing I did do do wrong is take out credit when i couldnt afford and i did it aslo to buy my flat - so i lived outside of my means! Can you explain this in a little more detail to us? You don't have to but it may help.
Thanks Dalip for the reassurance, i really need sont know how I am gonna get past the weekend or nights
You may have been drawn out the hat, so to speak. The OR's and their merry bunch are always doing training exercises, quality control, supervision of underlings and that sort of civil servant stuff. It's a bit like driving tests etc, sometimes another examiner watches the other one for training purposes, this happens at random. I know it's not quite the same but this is just part of training, someone has to be the guinea pig. Try and calm down and like I say (in red) more detail would be helpful.
Sincerely HoosBetter to be poor than a slave to wealth
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brokebut4hope, you'll be fine. You were given credit by lenders whom would have seen your score etc, they would have known you were in a bit of a mess and used you to try to make money out of you by trying to get minimum payments, you borrowed what was offered to service other debts and living costs.. debt spirralled and you had to borrow more, all the time borrowing and living beyound your means finding yourself in a vicious circle having to borrow more and more. Does that sound like what your circumstances were. That's whats happened to lots of bankrupts, borrowed more to pay off credit then need more credit because your paying lots of repayments, borrow more credit to try and losen the noose round your neck. It's not dishonest, it's not unlawful it's what's happened to survive.
I feel so sorry for you, I have read on here before that face to face really is the luck of the draw. Please try not to worry0 -
BROKEBUT4HOPE wrote: »Thanks Dalip!
I have seen some of the cases and i think that they will give me a BRU, because i had got credit after credit although i was able to pay alot of it off- can i not explain that I had alot more debt and tried my best to make payments on time-will that not wash?
So if i get a BRU, does that mean that my IPA will also last for that length of time too?
What did you put down as your reason's for BR? Have another look at your SOA, the examiner will follow this and ask questions on dates and reasons. The above post sounds like, well, pretty much like a normal BR case to me.;)Better to be poor than a slave to wealth
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BROKEBUT4HOPE wrote: »Thanks Dalip!
I have seen some of the cases and i think that they will give me a BRU, because i had got credit after credit although i was able to pay alot of it off- can i not explain that I had alot more debt and tried my best to make payments on time-will that not wash?
So if i get a BRU, does that mean that my IPA will also last for that length of time too?
No your IPA last for 36ths from the first payment.It can be suspended,decreased,or increased in that time.36mths from the first payment it ends regardless(even if it's suspended) a BRU is totally different.
BRU's are just restictions that are placed on you for 2-15 years
Sorry would go into more detail but laptop taking me an age to type:mad::mad::mad:Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
Broke, some OR offices just perfer to to F2F in all but the very simplest of cases. We had F2F's and it was all over and done with in 55 mins, TBH it was actually better than a telephone interview because the OR gets the chance to see that you are genuine and you're less likely to forget to ask something, the whole thing can actually be more relaxed than a telephone interview.
Which OR's office is it out of interest?Accept your past without regret, handle your present with confidence and face your future without fear0
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