Went BR yesterday & OR call today!

Mr_and_Mrs_Spendthrift

I will write up my full experience when I've recovered but went bankrupt yesterday morning and the OR called today at 1.45 to ask if he could call me back in 10 minutes for my interview!
I'm so glad it's over, the interview was not pleasent (not that it's meant to be) he asked me for dates and amounts of what went where that I just didn't know, I felt really stupid.
Lots of questions about whether I thought I could have avoided BR and why couldn't I find a job and why did we take out a loan and so on. The interview lasted 41 minutes. He was nice, just doing his job but It felt hard I'ts been a roller coaster of a week and I feel like hiding away for a few weeks to recover (crying now). I would have done anything to not go BR and until 3 years ago I had never had any debt apart from my mortgage. I'm sure everyone feels like this, even though I know I didn't intentionally (sp) misuse my credit, I still feel that they will give me a bru/bro but I don't ever want any credit again so It makes no difference. This time next year I will be discharged.

Thanks you guys for being brill.

xx

dojoman

Glad its all over for you, we don`t go BR for another 2 weeks but I am dreading the OR interview for like you I cannot remember what all the money was used for. Good luck for the future.:T

MicheH

You've had a rough couple of days, deary me. I feel a little upset for you actually as you felt your interview was quite harsh, I had a week to prepare for mine, find the info I needed to have infront of me, not just 10 minutes.. poor you. At least on the positive side it is all over. I felt waiting for the OR interview was just as worrying and emotionally draining as the court date itself.

Phew say, it's all over. You can regroup and rebuild now hope you stick around the board x

nervousmother

sending you hugs hun, hope you feel better soon. Sounds like you have been through the mill with the interview.. and for other posters they are not always tough, they will want dates and amounts and reasons so best be prepared but normally you have more time to prepare.

Big_Poppa_2

had my OR call today too, they rang a few times. person seemed nice but yeah I agree with the original poster in that the bit where they ask you about your credit card dealings is very nervy. Didn't go as well as i'd have liked in parts. I didn't know quite what to say for some of it, but I got something said. After that the rest of the call was a breeze. He said I wouldn't need a BRU(?) is it? the three year repayment thing. as I'm unemployed, but that if I get a job and have a surplus that could change. I'm still expecting something about the money I took out on my card this month, I took the money for the bankrupcy and about 700 to live on for the next few months as the fuel is massive in winter. Im expecting something for that, but I hope I just get away with it. I left 3000 on the Limit so not like I maxed it, but im still worried.

congrats to OP btw.

nervousmother

a BRU is a bankruptcy restriction undertaking BRO (order)

IPA/O is income payments agreement IPO (order)

I doubt big poppa if you would get a BRU for what you did, most or's although frown do not act if money is taken off a credit card to pay for fees.
The november/early dec before my BR I spent around £1000 on christmas presents from my already overdrawn bank account,some money was paid back in during the december but i was expecting to put my wages in the bank begining of jan to cover the costs but I found i was going BR at christmas itself and was adviced to take my wages in cash to live off during the january, i was scarred as to what may happen but nothing was said. I did not take my overdraft to the max, there was another 2k available.

Big_Poppa_2

That's made me feel better, and is kinda what I was thinking.

Said to my mum earlier, as the Receiver seemed nice I don't think they're going to hit me with anything. My worry is the Creditors, could see them challenging the cash advances I took out. I left 3000 on my Limit so hoping that will basically stand up. took 300 each off 2 other cards that were right near the Limit anyway, so I doubt they'll be bothered. Just the one card that had 4000 left on it. But yeah just got to wait and see now. My mate went BR 2 years ago and after the OR call they never heard back again, even when they gained a new job and informed them. and they'd been much more irresponsible and were in 3 times the debt I am. they even took on new loans from a cheque cashing facility the same month and nothing happened. which is amazing, so hoping i've got the worst over now. and that there's no problem creditors. don't want to get given that 15 year bankruptcy thing for the sake of a grand or so. that'd be a disaster.

Mr_and_Mrs_Spendthrift

I've calmed a little now. DH has is interview tomorrow, hopefully this will go OK, they are calling him on his lunch.
After thinking about it, it wasn't the OR's questions really that bothered me, it was MY answers, I don't know exactly what happened when or how much went where, and THATS the problem! I should know. Lot's of things were out of my control for a variety of reasons, but ultimatly I should have taken control. I feel I've paid the untimate price though as the 2 and a bit years since my daughter was born have been the worst of my life, when they should have been the happiest, she didn't ask for a stressed depressed bankrupt mum and that's not what I ever wanted to be, but from now on, that person has gone.

x

MicheH

Absolutely :j Time for the family to be a family without worrying about things that are out of your control.. you're in control now

confused76

Mr_and_Mrs_Spendthrift wrote: »

I've calmed a little now. DH has is interview tomorrow, hopefully this will go OK, they are calling him on his lunch.
After thinking about it, it wasn't the OR's questions really that bothered me, it was MY answers, I don't know exactly what happened when or how much went where, and THATS the problem! I should know. Lot's of things were out of my control for a variety of reasons, but ultimatly I should have taken control. I feel I've paid the untimate price though as the 2 and a bit years since my daughter was born have been the worst of my life, when they should have been the happiest, she didn't ask for a stressed depressed bankrupt mum and that's not what I ever wanted to be, but from now on, that person has gone.

x

hey there big big hugs for you....sounds like you've had one hell of a couple of days.....at least it's done now. time for you to start rebuilding and thinking of the future. i've got just over a week til my br - am terrified! only my family and one friend know what's going on, so noone in work knows, bet they wonder what on earth i am stressed for.:eek:
try and put it behind you now, you've done so well with the interview at such short notice!!!:beer: xxx

sagittarius_2

Sending you hugs too.....i'm dreading the OR interview more than tomorrow at court! Sounds like you've done brilliant and now can relax a bit (if you remember how) and enjoy your daughter! At the end of the day, sanity is worth more than solvency and I applaud you for being so brave and taken the first steps to a healthier, happier life......I shall be joining you tomorrow so wish me luck xxxx