Just had phone interview

raradel

Spoke to a really lovely lady - call only lasted about 15 mins. Was told I would need to write to OR regarding car as it is not me who needs it for work but my husband (had a feeling that would be a problem). Went through my largest single debt - Egg loan - and why it didnt cover all debts. Told me I could be inline for early discharge - by xmas fingers crossed - and generally shouldnt hear from them again! (unless car being taken). Oh and forgot to add no IPA either.
So relieved its almost over - really feel like Im getting my life back again.

DON79

Congratulations raradel! Well done, sounds like you had a good OR then, hopefully early discharge for you! Well done. I hope that you get to keep the car too.

Donna

powell16

congratulations raradel and well done, your OR must have been really good, mine was lovely, but my interview lasted over an hour!!!
anyway now you can look forward to the future, congratulations again

sally x

dalip

well done R. Nearly there. The relief will soon set in and then you can relax. Have a god night.Dx

Shiku_2

Hey well done raradel.... nice to hear u had a positive experience..... just a quick question u said u could be up for Early Discharge, do u kno what they would have baesd this decision on? As I have heard conflicting views on this matter..... not discrediting anyones advice!

Once again congrats raradel

gettingbetter

congrats raradel

kas xx

DEBT_23

hiya well done. aint had mine yet. :-O
how much is your car worth if you dont mind me asking ?

startagain_2

Shiku wrote: »

Hey well done raradel.... nice to hear u had a positive experience..... just a quick question u said u could be up for Early Discharge, do u kno what they would have baesd this decision on? As I have heard conflicting views on this matter..... not discrediting anyones advice!

Once again congrats raradel

Congratulations raradel.... that was a quick interview, mine took 15 mins to explain the legalities!
I had a similar experience with my interview. Early discharge was explained to me and it was implied that I may well receive it.
I supoose it was because my debts were fairly straightforward and there is very little to share out - just my Income Tax and that will probably pay the OR fees.
I was also told that it was unlikely that I would hear from them again.

SA

yellowmonkey

Thats Step 2 out of the way so well done :beer:

ym

headoutofsand

raradel wrote: »

Spoke to a really lovely lady - call only lasted about 15 mins. Was told I would need to write to OR regarding car as it is not me who needs it for work but my husband (had a feeling that would be a problem). Went through my largest single debt - Egg loan - and why it didnt cover all debts. Told me I could be inline for early discharge - by xmas fingers crossed - and generally shouldnt hear from them again! (unless car being taken).
So relieved its almost over - really feel like Im getting my life back again.

Well done. My that was a quick one;)

Merry_Gentry

Shiku wrote: »

Hey well done raradel.... nice to hear u had a positive experience..... just a quick question u said u could be up for Early Discharge, do u kno what they would have baesd this decision on? As I have heard conflicting views on this matter..... not discrediting anyones advice!

Once again congrats raradel

Hi Shiku, as I said on your other thread - early discharge can happen once the OR has finished investigating your case, and also depends on how busy their office is. So, a very simple case would be more likely to be put up for ED than a case involving a house, a business, etc.

This may help with your questions regarding ED:

http://www.insolvency.gov.uk/pdfs/guidanceleafletspdf/Whenwillmybankruptcyend.pdf