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OR call done and dusted..pheww
bcljnk
Posts: 292 Forumite
I was due my phonecall at 9.30...well 9.30 on the dot the phone rang...but it was flippin lloyds, so gave them all the info, 5 mins later the OR called, sounded very young, she just went through some of the details ie addy ect then went on to ask about assets, i have none other than life policies, she explainedthey would write to the companies then get back to me.
She went on to ask about my loans which i took out in 05 and 07 as i had put consolidation loans down, she asked if i had taken these out because i was having difficulties then, i explain no, at that point the banks offered me them saying i would be paying less interest than my credit cards, but i still had the cards and slipped back into using them.
Then asked why the downturn in income, so i explained, she also asked questions like how and when i saw i was in difficulty and what made me come to the descision to go bankrupt, she was very nice, then explained about the years automatic discharge, and also the possiblity of early discharge and BROs, and that was it...i cant think of anything else she asked...oh when i last used my cards and if i had used one credit to pay another, thankfully for me all my troubles have been in the last few months, so hopefully its all self explanitry from the bank statements ect, so all in all it took between 20 and 25 minutes.
I am so glad that bits over with:D
She went on to ask about my loans which i took out in 05 and 07 as i had put consolidation loans down, she asked if i had taken these out because i was having difficulties then, i explain no, at that point the banks offered me them saying i would be paying less interest than my credit cards, but i still had the cards and slipped back into using them.
Then asked why the downturn in income, so i explained, she also asked questions like how and when i saw i was in difficulty and what made me come to the descision to go bankrupt, she was very nice, then explained about the years automatic discharge, and also the possiblity of early discharge and BROs, and that was it...i cant think of anything else she asked...oh when i last used my cards and if i had used one credit to pay another, thankfully for me all my troubles have been in the last few months, so hopefully its all self explanitry from the bank statements ect, so all in all it took between 20 and 25 minutes.
I am so glad that bits over with:D
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Comments
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Hi,
Glad it was OK for you! I remember only too well how daunting the OR interview is and what a huge relief it is when it's over!
All the best!
CG. xNew Year, New Me!!!Weight loss mission 2012 has officially begun!!:jLoss so far: 3 stone 4lbs:j0 -
Glad that's all over for you, now you can sit back, relax and live your life until you're discharged.Accept your past without regret, handle your present with confidence and face your future without fear0
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Nice one all the very best for the future0
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Glad to hear all went well......onwards & upwards now!We all die. The goal isn't to live forever, the goal is to create something that will0
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LOL..trust creditors to right just at the worst possible moment:rotfl::rotfl:
Glad to hear the OR call is over with & now you can start & move on with your life.
Angiexx0 -
Glad it all went well, and good luck for the future.:pB&SC No. 298
Life`s Tragedy is that we get OLD too soon
and WISE too late!0
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