OR interview what is it like ?

fatou256

hi i was made bankrutp last friday i have talki to an OR for 5-10 minute s over the phone they told me i should receive a form to fill inand then send it back to them . anyhow i am still waiting toknwo who is goign to be my OR .

hpow do we have to wait ? how an Or interview is conducted ? what kind of question do they ask ?

sorry i am stressing a bit as i have no idea on what i sepnd my CC loan etc.. on i have nothing to show for it, would u believe it ?

i was a bit reckless by that i meant i took on the loan without rethinhking of the rrepayment then my working hours were reduceing radually to almost nothing ( from 35 hours to 18 hours/week) then redundancy then unemployemnt for 8 month and now a part time job. i am on a very low income and dependant financially on my husband how it is likely that i will have an IPA/IPO ?

dalip

fatou256 wrote: »

hi i was made bankrutp last friday i have talki to an OR for 5-10 minute s over the phone they told me i should receive a form to fill inand then send it back to them . anyhow i am still waiting toknwo who is goign to be my OR .

hpow do we have to wait ?I had to wait for 2 wks before my OR contacted to give me a date for the following wk. They are very busy at the moment so it may be a while. how an Or interview is conducted ?The interview is usually done over the phone at your house.The OR will go through your SOA to check everything is right and ask about your debts,when you took out your cc/loans,what the money was used for,when did you become insolvent what kind of question do they ask ? See previous answer,i put it in the wrong place:o

sorry i am stressing a bit as i have no idea on what i sepnd my CC loan etc.. on i have nothing to show for it, would u believe it ? Yes fat we all have that t-shirt or at least most of us.

i was a bit reckless by that i meant i took on the loan without rethinhking of the rrepayment then my working hours were reduceing radually to almost nothing ( from 35 hours to 18 hours/week) then redundancy then unemployemnt for 8 month and now a part time job. i am on a very low income and dependant financially on my husband how it is likely that i will have an IPA/IPO ?

If you are on a vey low income it is highly unikely that you will get an IPA but all ORs are different. When the OR sends you the paperwork, there will be a income and expenditure form for you to fill in.Before you fill it in put the figures on here and we can go over them for you and make sure you have put everything down. We all worry at some point but it will not do you any good so try to relax a little.D

susiehasdebts

hi, as far as i can tell, all ORs are different, but after all the worry, mine was fine. Fingers crossed for you.

fatou256

thank you what i am worreid it is for my income and expenditure i just started work and as such before i did not have any expensess as my husband was indeed paying my bills for me, sounds really bad but we did not have any much choice or no electricity water gas etc... . JSA is not alot to live on sounds bad but i reached a low point at the moment . my husband is to go bankrutp too in 2 weeks times . together we have over 40 k debt mine is 17 k .

so iam not too sure how to fill that in as my wages vary from to month very widely. 1st payu 60 pounds second 400 pounds then 3rd wages 200 pounds. i am a carer and my hours changed every week.

fatou256

sorry for my typo i am having a blonde moment tonight lol

Dez-Titute

fatou256 wrote: »

thank you what i am worreid it is for my income and expenditure i just started work and as such before i did not have any expensess as my husband was indeed paying my bills for me, sounds really bad but we did not have any much choice or no electricity water gas etc... . JSA is not alot to live on sounds bad but i reached a low point at the moment . my husband is to go bankrutp too in 2 weeks times . together we have over 40 k debt mine is 17 k .

so iam not too sure how to fill that in as my wages vary from to month very widely. 1st payu 60 pounds second 400 pounds then 3rd wages 200 pounds. i am a carer and my hours changed every week.

HI Fat,##have a look at this link.Might help

http://www.ned-cab.org.uk/debtselfhelp/bankruptcy.shtml