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I've survived
empty_wallet_2
Posts: 433 Forumite
My OR Interview.
A very tense 56 minutes.
Alot of questions going back 5 years about my spending habits and saying i should have done something about it sooner really, when did i realise i couldnt afford to payback my creditors etc etc.
He thanked me for sending in so much paperwork as it will help him do his report and make the interview shorter.
Good news, he says my car is exempt as i use it for work. They dont contact landlords or letting agents unless they are a creditor because your in arrears but did say they may see the advert in the local paper so its not guaranteed for them not to know. No IPA at the moment as not enough surplus income.
Will lose my motorbike but i expected that but i could keep it if i could find someone to pay a proportion of the value for me. The bit that shocked me is that they would only be looking for the auction value which is about 50% of face value, that seems so daft to me, i thought it was their duty to reclaim what assets they could for my creditors
, so i have 7 days to decide what to do.
So i've got to wait now to see if he needs any more info or clarification while he writes his report, he wasn't happy with my spending habits on my credit cards during a few months early last year so i expect to get some form of BO from the courts:o .
Ok i'm off to work now so will come back later and fill you in with more details.
A very tense 56 minutes.
Alot of questions going back 5 years about my spending habits and saying i should have done something about it sooner really, when did i realise i couldnt afford to payback my creditors etc etc.
He thanked me for sending in so much paperwork as it will help him do his report and make the interview shorter.
Good news, he says my car is exempt as i use it for work. They dont contact landlords or letting agents unless they are a creditor because your in arrears but did say they may see the advert in the local paper so its not guaranteed for them not to know. No IPA at the moment as not enough surplus income.
Will lose my motorbike but i expected that but i could keep it if i could find someone to pay a proportion of the value for me. The bit that shocked me is that they would only be looking for the auction value which is about 50% of face value, that seems so daft to me, i thought it was their duty to reclaim what assets they could for my creditors
, so i have 7 days to decide what to do.So i've got to wait now to see if he needs any more info or clarification while he writes his report, he wasn't happy with my spending habits on my credit cards during a few months early last year so i expect to get some form of BO from the courts:o .
Ok i'm off to work now so will come back later and fill you in with more details.
Life is like a game of Snakes & Ladders, i almost made it to the top but now i'm at the bottom again and its a very long ladder to the top. I had it all and now its gone :eek:
Well my 6 years are now up, now to start to rebuild my life again
BSC Member 95
Well my 6 years are now up, now to start to rebuild my life again
BSC Member 95
0
Comments
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:j Glad thats over for you.
Not too bad stuff really, though i'm concerned about you getting BO from the courts they not heard of deodorant...:rolleyes:
I do wish they'd make there minds up though, one OR the other week was saying that they 'have' to inform the LL as its part of their duty regardless of any debt to them, now this one says they don't have to..tut, makes it so difficult to offer accurate advice to others when they move the goal posts.The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter
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Glad it wasn't as bad as you thought it could be. I know you were a bit anxious last night. Have a nice drink when you get in tonight,:beer:betterlatethannever wrote: »:j Glad thats over for you.
Not too bad stuff really, though i'm concerned about you getting BO from the courts they not heard of deodorant...:rolleyes: ROFL :rotfl: :rotfl:
I do wish they'd make there minds up though, one OR the other week was saying that they 'have' to inform the LL as its part of their duty regardless of any debt to them, now this one says they don't have to..tut, makes it so difficult to offer accurate advice to others when they move the goal posts. tTotally pee's me off to BLTN. I know each case is different but there are some things that are the same.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Glad to hear all went well, scary going back over 5yrs though if that had been me i'd have struggled..usually I cant remember what I did yesterday! good news though about the car as well, although as BLTN said I wish they'd make a final desicion about informing landlords etc problem is each office deal with things in their own ways!
Get on & enjoy the rest of your new debt free life now
PhilWe all die. The goal isn't to live forever, the goal is to create something that will0 -
Very good news EW.:j
Hope you can finally relax now.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Excellent news EW
Obviously I don't want to get my hopes us, but am now quietly optimistic about my OR not telling my LL now <fingers crossed>.You can't control everything in life....... your hair was put on your head to remind you of that
Proud to be BSC no. 1030 -
Well done EW:j
Glad it went well and it's all over now:)
Thanks for posting how you got on -good news on the car and LL front; I'm wiaiting for a call from the OR to arrange an interview and have similar concerns over car and LL!
DebteeBR no.77, 20th February 2008: BSC no.112 0 -
Good one EW
Now you can more or less relax.Should not worry too much about BRO.You are debt free thats all that matters now.DalipFree 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 -
betterlatethannever wrote: »:j Glad thats over for you.
Not too bad stuff really, though i'm concerned about you getting BO from the courts they not heard of deodorant...:rolleyes:
I do wish they'd make there minds up though, one OR the other week was saying that they 'have' to inform the LL as its part of their duty regardless of any debt to them, now this one says they don't have to..tut, makes it so difficult to offer accurate advice to others when they move the goal posts.
Thanks all.
Damn it i meant BRO not BO :rotfl: :rotfl: .
I was quite surprised when i asked about contact with landlords and he said its not something they do at all unless they are a creditor on your SOA, so yes it seems to change between office's.Life is like a game of Snakes & Ladders, i almost made it to the top but now i'm at the bottom again and its a very long ladder to the top. I had it all and now its gone :eek:
Well my 6 years are now up, now to start to rebuild my life again
BSC Member 950
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