OR out to get us?

script

Here's the thing about BRU's and BRO's.

Whether you get one or not will depend a lot on the OR's (no two OR's are the same).

Of course none of us want a BRU/BRO.

But if the worse happens and you do (and unless you feel it's completely unjustified it's best to negotiate a BRU because it'll be for less time than BRO).

Assuming you don't want to be a Company Director (although you can apply to the courts if you do want to be a director) an MP, Local Councillor, an Insolvency Practitioner or a Receiver.

Then the only real effect it has is that you can't obtain any credit (at least not more than £500).

Which you wouldn't be able to do anyway for 6 years.

So, if your BRU/BRO is for 6 years or under (and to get a 6 year BRU/BRO you really would have been very "bad").

So in "real" terms it hardly matters if you do get a BRU/BRO.

Sunnylooloo

Hi Susannah,

I am really sorry that you are feeling like this, I can't offer much advice as nowhere near your stage, but I just hope it all gets better for you.

LL
x

CAPMguy

in situations like these it is always helful to just answer honestly, we all have had times of reckless spending so you wont be the first

Doucam

Hi Susannah, nothing to add to what the others have said, but if you do really feel that the examiner is out to get you then I think you can ask for your case to be moved to another one.

Try not to worry, it will all be over with soon and you need never speak to them again.

roger196

If you find yourself panicing over the phone with the OR why not try something along the following lines.
"If you want me to give an off the cuff reply, I will do but it is only provisional as I have difficulty remembering accurately at short notice. It would be much better for you to put your questions in writing so that I can give a considered and accurate response."

Or you could ring the OR's office and ask the switchboard to be put through to whoever deals with complaints. Say that you do not wish to make a formal complaint but you would welcome some advice. Explain that you realise that Mr X is only doing his job and is probably very good at it but you appear to have some sort of personality clash with him. Is there any possibility of being assigned another case officer.

roger196

script wrote: »

Then the only real effect it has is that you can't obtain any credit (at least not more than £500).

.

I thought that you could obtain credit over £500 but had to notify the lender that you were bankrupt or subject to a BRO/BRU. Can you clarify this, please

script

Yes you're right.

But if you ask any institutions for credit and say that you are B/R or have a BRU/BRO.

They won't give you any.

You do have to tell them - because it would be an "offence" not to (and they would find out on a credit check anyway)

StuntmanBob

roger196 wrote: »

If you find yourself panicing over the phone with the OR why not try something along the following lines.
"If you want me to give an off the cuff reply, I will do but it is only provisional as I have difficulty remembering accurately at short notice. It would be much better for you to put your questions in writing so that I can give a considered and accurate response."
.

Very good advice - that's what I was going to suggest

InnerPeace

Hi, I'd find repeated phone calls upsetting too...I think he's inexperienced or just plain insensitive, phone calls are really intrusive. I think it's ok to call once or maybe twice but after that it should be by letter and if he had his act together he wouldn't need to keep asking questions. What he should do is all his investigating and then write with a series of questions not pick up the phone as and when. You do have to cooperate but a balance needs to be struck with a person's comfort in their own home etc.