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Pack from OR

neverindebtagain
Posts: 353 Forumite
I have received my pack from the OR, he wants bank and credit card statements for last 12 months, all cards (cut up) and cheque books. Copy of the mortgage statement, any loan agreements and any wage slips for past 3 months. Taking them to him tomorrow, phone interview on 14th Jan.
Is this the normal paperwork they ask for or is my case probably going to be difficult, had a lot of creditors going back mainly to 2001. My worry is barclays out of the blue offered me a loan in may this year, I did not ask for it, but I was deperate and accepted it. At the time was not planning to go BR, that decision did not come until October when I realised it had to stop and I had to get my head out of the sand.
Is this the normal paperwork they ask for or is my case probably going to be difficult, had a lot of creditors going back mainly to 2001. My worry is barclays out of the blue offered me a loan in may this year, I did not ask for it, but I was deperate and accepted it. At the time was not planning to go BR, that decision did not come until October when I realised it had to stop and I had to get my head out of the sand.
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Comments
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This is the standard financial records that are requested in a telephone interview. Normally the more straifghtforward cases.0
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NIDA - just be honest, you thought you could pay the debt back when you took out the loan and had no idea you would be bankrupt by the end of the year.
Hi A2C - nice to see you posting!
:j :j
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Thank you for replying. I had resigned to the fact that I would be in the same situation in my old age. My light bulb moment came when in September I cut my hours from 44 to 27 as with the stress of my money problems and my boss was going through a tough time, I could no longer cope. So I cut my hours and while I had time at home finally did my I&E, realised we had more going out than coming in. Even working all them hours I was still struggling.
Posted on her and spoke to organisations, when I was first told a DMP for 26 years I knew I had to take drastic action.
I cannot believe I am BR, it will be in the paper this week and I know people will judge, my teenager daughter said when the noisey parkers at school ask, she said she will just tell them it is none of their business. She knows they will say 'are you poor'. The answer is no, because now when we earn money we can eat, live etc. Instead of giving it to creditors for the huge interest they charge and not struggling to by even a loaf of bread.
I am just tired from all this, thank you everyone who helps people on here.0
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