OR Interview on Friday - what info do i need?

080808

Hello all again.
i have my OR interview this friday. by telephone. was told i would be sent a request for some information such as credit card and bank a/c statements etc - to show where the money went. I know you will think i am a twit but i threw away (honestly) all statements of old banks and credit cards some time ago - when i decided to go for bankruptcy. all i have is a years worth of non debt bank account, paypal history available online i am guessing, and a few squillion demand letters which i am saving for the celebratory bonfire on day of discharge whenever that arrives!
am i gonna be in trouble? will they expect me to contact the banks and loan/card companies and get backdated statements?
your words of wisdom please!
thanks.

080808

oh won't somebody talk to me please?
pretty please?

dalip

Lots of people don't keep records, in this age of identity theft. As shredding seems to help againt it. Just explain that you shred all financial papers. The OR can get what they want. If you ask for bank/cc statements you will likely be charged,where as the OR wont.Just send whatever you have with a covering letter explaining why thats all you have.

080808

thank you dalip

Jaks

Thanks for the info, all we have to give to the OR when then time comes is the most recent letters and statments from our creditors. My DH is very thorough when it comes to this sort of thing and always shreds all the older paperwork due to possible fraud.

Jaks

blueopal5577

I did exactly the same, as part of buring my head in the sand. Youre not alone, dont think it'll be too much of a problem since they can get any info and a lot of ppl by the time theyre BR are not in control of their debt.

fatou256

hi 08/08/08 i disd the same as you i threw it all away apart few one that i have kept but i didn't have much when i received my form form the OR i put a breif letter saying that most of my agreement bank statement etc., were shredded as i moved away and as such i do not have any.My OR was fine anyway they giot it from the bank themselves.

don't worry about yoru interview you will be fine and don't waffle if u don't know say it so !

Summer1969

I had last year's Bank Statements and last 6 months credit card statements, so that's what I gave him. As said, he can get anything he needs himself anyway.

Good luck.

fudge59

My OR didnt actually ask for X months worth of bank statements as I'd stopped using one of my creditors bank accounts over a year before I went BR so think that's why they probably didnt ask for that - though they didnt ask me for x months worth of my credit and store cards either - so think it really depends on your OR.

The one thing I will say is be prepared!!!

My telephone interview was nearly an hour & half (husband even came up half way through with a cuppa tea as I was parched!).

The sort of questions I was asked were :

'what date did you take (loan/credit/store card) out on'

'what kinds of things did you spend on your credit/store cards'

'what did you use the loan money for' (i.e. if it was for consolidation like mine was they want to know how much you paid to people)

Thankfully I did have about a years worth of statements from when I had been spending on them to check what kinds of things were spent on it, and it was nearly all general living i.e. food (supermarkets were on there alot), diy fuel etc.

They did want to know (and for me to send them copies of) 3 months of salary slips, copy of my pension scheme annual report, proof of ownership of my husbands car (in that it is his not mine), recent fuel bills, council tax bill, water bill, phone bill, any insurance details - these were all mainly to just prove that you do pay what you've put on the SOA. But like the others have said the OR do have the ability to get the statements themselves if they really need them so dont worry too much.