News

peachyprice · 06-11-2009, 7:56 PM

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?

BROKEBUT4HOPE · 07-11-2009, 12:36 AM

Thanks you guys, you have all been amazingly reassuring and helpful i just want to cry.
Please if you think of any other tips let me know.
I will be interviewed in London- if that helps.
The guy didnt sound like i was just picked up randomly for training etc.
It sounded like he was literally took my file showed it to the examiner and called back within 10 minutes to invite me in literally within 4 days.

i know i know i should stop being paranoid, i know its not a jail sentence but the trauma of being told of after the trauma of going to court and declaring myself bankrupt and than the trauma of potentially my work finding out and then a possible of bru for 15 years means i might as well stop hoping for a brighter future now- because my most productive years will be restricted by all this and it sure feels like a sentence

sorry

Susie54 · 07-11-2009, 7:06 AM

Hello Broke, This is my first post after finding this forum. Have no experience to offer you any advice as I'm just starting down the route you've taken, but wanted to say 'The Best of Luck'

Susie

Three Clicks · 07-11-2009, 7:58 AM

Good Morning.

We have had TWO F2F so far, and we are expecting a THIRD

On the 2nd one I got so angry I walked out, had a fag and went back in!

Our case was VERY complcated...

One thing you need to remember, you are there to help them - just be honest and open and it will go OK...

If you decide NOT to go (you don't have to go) but there is a GOOD chance that they will put restrictions on you after the BR finish date.

At the end of the day WE are not the only ones at fault, some of the blame is on the companies that gave us the credit!!!

GOOD LUCK...

philnicandamy · 07-11-2009, 9:26 AM

Ermm....sorry 3 clicks i really dont know where you get your information from BUT if the OR has asked the OP to attend theres NOTHING they can do they will have to attend no mater what...if the OP didnt attend your not just looking at a BRO/BRU the OR could suspend discharge indefinatley for the OP not co-operating with them

so your advice of if you dont want to go dont go is pretty useless and very dangerous to be honest...

MicheH · 07-11-2009, 9:30 AM

As bankrupts we have a duty to assist the OR in what ever way we are asked. For all it's uncomfortable or seem unfair we have to do it, we signed we would cooperate in every which way.

Please don't think you can 'get out of it'

Three Clicks · 07-11-2009, 9:39 AM

If you do not co-operate with the Official Receiver (or the trustee, if an insolvency practitioner has been appointed as trustee in place of the Official Receiver), then the court may be asked to stop your discharge from taking place. An example would be if you refused to provide information to the Official Receiver or the trustee.

From:- http://www.insolvencyhelpline.co.uk/...ruptcy-end.php

philnicandamy · 07-11-2009, 9:41 AM

Quote:

Originally Posted by Three Clicks

If you do not co-operate with the Official Receiver (or the trustee, if an insolvency practitioner has been appointed as trustee in place of the Official Receiver), then the court may be asked to stop your discharge from taking place. An example would be if you refused to provide information to the Official Receiver or the trustee.

From:- http://www.insolvencyhelpline.co.uk/...ruptcy-end.php

ermmmmm.....didnt I just say that in post #25??

(besides insolvencyhelpline? wouldnt trust their out of date info either...although if thats where your info is coming from its no suprise)

debtinfo · 07-11-2009, 9:46 AM

quite as phil says not cooperating = not a good idea.

As well as suspending your discharge, they can ask for you to be publicly examined in court, if you dont turn up to that you get arrested

also rubbish info on the insolvency helpline

Three Clicks · 07-11-2009, 9:51 AM

Quote:

Originally Posted by philnicandamy

(besides insolvencyhelpline? wouldnt trust their out of date info either...although if thats where your info is coming from its no suprise)

You will also become free from bankruptcy immediately if the court annuls (cancels) the
bankruptcy order; this would normally happen when your debts and the fees and expenses of the
bankruptcy proceedings have been paid in full or the bankruptcy order should not have been
made.
On the other hand, if you have not carried out your duties under the bankruptcy proceedings, the
official receiver or your trustee may apply to the court for your discharge to be postponed. If the
court agrees, your bankruptcy will only end when the suspension has been lifted and the time

remaining on your bankruptcy period has run.

From:- http://www.insolvency.gov.uk/pdfs/gu...bankruptcy.pdf

Is that BETTER for you???

philnicandamy · 07-11-2009, 9:55 AM

No need for capitals again three clicks....I can read very well thank you

all I disagreed with was the post YOU made stating....

Quote:

If you decide NOT to go (you don't have to go)

i'd love to continue this discussion OFF FORUM because all this is doing is turning into something the OP will NOT NEED so please feel free to PM or email me

creditpunch · 07-11-2009, 9:58 AM

Quote:

Originally Posted by philnicandamy

i'd love to continue this discussion OFF FORUM because all this is doing is turning into something the OP will NOT NEED so please feel free to PM or email me

Well said maybe the thread can refocus on the OP now.

philnicandamy · 07-11-2009, 10:09 AM

anyhoo......

Broke..I had a FTF interview a few years ago when I declared BR it really is nothing to be worried or scared about (and i'm THE worlds worse worry wart...i'll worry if i've nothing to worry about!) if anything I preferred the face to face contact then they could see how I reacted and I could get my points across better...they understand you'll be nervous they allow for that along with regular breaks if you need...although my FTF only lasted about half an hour..

confused76 · 07-11-2009, 10:11 AM

Quote:

Originally Posted by BROKEBUT4HOPE

Thanks you guys, you have all been amazingly reassuring and helpful i just want to cry.
Please if you think of any other tips let me know.
I will be interviewed in London- if that helps.
The guy didnt sound like i was just picked up randomly for training etc.
It sounded like he was literally took my file showed it to the examiner and called back within 10 minutes to invite me in literally within 4 days.

i know i know i should stop being paranoid, i know its not a jail sentence but the trauma of being told of after the trauma of going to court and declaring myself bankrupt and than the trauma of potentially my work finding out and then a possible of bru for 15 years means i might as well stop hoping for a brighter future now- because my most productive years will be restricted by all this and it sure feels like a sentence

sorry

hi broke
try not to worry (easier said than done, i have a gold medal in worrying!)
i guess the advantage of a f2f is that they can read your expressions and will know you're genuine, and you can read theirs too. it will all be over soon...chin up

MicheH · 07-11-2009, 10:12 AM

Quote:

Originally Posted by Three Clicks

I didn't ~~~ But look; you are now...

You're playing a silly game on a thread which is about someone who is really worried about her face to face interciew, you were the one that wrongly suggessted she didn't have to turn up. Now please can you leave it, Phil is trying to move it on to what it should be about. Why can't you respect that.

MicheH · 07-11-2009, 10:20 AM

It appears I've thanked your post 3 clicks. You do not have my support on this I have found you to be rather rude to me and my help on another thread, we're here offering help and advice, if you can't do that please leave. I won't be adding any more to this thread other than to help the OP, I think we'll let you have the last word and then maybe you'll go.. very silly behaviour

creditpunch · 07-11-2009, 10:29 AM

3c it seems your somewhat new to this forum. I advise you to be patient and keep reading to get a feel for how it works. Your advice and experience is welcome and aprreciated as is everyone elses, but you must understand that this forum is a life line to a lot of people who are in some cases at their wits end. THis is why we rely and trust the long term posters in their veiws and advice because a F2F interview may hav been somehing you handled in your stride but for some it may have had devasting effect on other BRs, mind and maybe body, that sounds OTT but we really don't know so we must be careful to get correct information out there so people can find it useful.

You post and Iagree with MicheH you have post some flippant post on this and other threads, it may not be you fault as it is your veiw and oppinion but someone reading them may see it very differently.

I'm not having a go and I hope we can move on and get back to the OP but I do advise we all think before we post (and that includes me).

Three Clicks · 07-11-2009, 10:34 AM

Quote:

Originally Posted by creditpunch

3c it seems your somewhat new to this forum. I advise you to be patient and keep reading to get a feel for how it works. Your advice and experience is welcome and aprreciated as is everyone elses, but you must understand that this forum is a life line to a lot of people who are in some cases at their wits end. THis is why we rely and trust the long term posters in their veiws and advice because a F2F interview may hav been somehing you handled in your stride but for some it may have had devasting effect on their BR, mind and maybe body, that sounds OTT but we really don't know so we must be careful to get correct information out there so people can find it useful.

You post and Iagree with MicheH you have post some flippant post on this and other threads, it may not be you fault as it is your veiw and oppinion but someone reading them may see it very differently.

I'm not having a go and I hope we can move on and get back to the OP but I do advise we all think before we post (and that includes me).

Good post CP...

BROKEBUT4HOPE · 09-11-2009, 12:51 AM

Thanks everyone that have taken the time to advise/reassure me.

Sometimes we can get things wrong coz we are human, sometimes we have to humble ourselves and accept that we are/were wrong and sometimes we have to let other people know that they are wrong in the most supportive way we can.
After all we have/are all learning something from all this.

So guys and girls please lets keep on the good work we/I need you!

Interviews on wednesday

So i am gonna be honest, as strong as I can be and hope for the best!

In the meantime I can going to be bricking it, thinking the worse and have sleepless nights (hence me being up at this time)

But you know what i am greatfull that I got a strong bunch of people on here on my side.

Thanks guys
x

So Sad Angel · 09-11-2009, 1:11 AM

Hiya Broke,

Try & rest....after all `you are where you are` in terms of the bankrupcy & no amount of worrying will make the slightest difference so just get on with the next few days. Wednesday will come & go before you know it.

Post any burning questions on here & please make sure you let us know how it all goes.

Take care,

Angiex