OR Interview scheduled, what to expect?

Needsassistance

Well its a long road all of this isnt it, for me it hasnt been as bad as some as I'm abroad so this has affected me in a different way to someone who's been receiving countless letters harassing phonecalls etc.

But now my interview is scheduled for 2 weeks time, I have received a letter which asks me to have my SAO checked and check all of the dates I got credit and why did i get it.

So my question is as follows, if I print my sao here would folk mind checking it, secondly with one of my creditors I told them a pile of lies as why i couldnt pay them. I did it frankly as i didnt know what to do.

So should I tell the OR about this, or what do i do about that aspect? Am i in crap or is this interview a chance of a new slate for example?

Also once discharged is it all over and the OR has no bearing on your finances?

Can anyone help? Feeling a little lost.......................

dalip

By all means post your SOA we will check it for you no problem.

Don't worry about what you told your creditors,i am sure most of us have made things up when being harassed. Just remember to only answer the questions they ask and do not volunteer any extra info;).


As to you last question. The OR would be interested in your finances(change in circumstances leading to a change in income)after discharge only if a Income Payments Order(IPA/IPO) had been set up before discharge. If no such agreement is set up before discharge then that is it. Over, Finito,Done.
If one is set up they last for 36mths from the first one and are flexible.
DX

Needsassistance

wow,
You are awesome considering its probably 0bloody early there and late here!!!!

So basically Ive a military pension in the UK, if I moved it over to the US would they consider that income at all, considering it would be placed into a pension fund here, with a potential quarter of it can be released as a down as a deposit on a house here under a government offer.

Also what Im wondering is I know up to 50 or 70 percent of disposable income can be used as a IPA however would they do that considering my income is in US dollars, then halve that for stg conversion so basically they'll get sfa?? if you'll pardon my french.

Or frankly would it be a case of on discharge move the pension and mention nothing??

dalip

I know nothing about pensions except i had a private pension and my OR told me they do no touch pensions!!!! So you may be OK. I would either ask/pm debtdoctor(works for cab) or debtinfo(works for insolvency service) and see if they can tell you anything. One thing i would not reccomend is trying to hide anything.....it has a way of coming back and biting you on the bum;).

An IPA is based on surplus over £99 after all living costs are taken from your income.

Yes it is early here....i am an early bird.lol