what bits do i need to gather together for or?

starbies

hi,
have moved on from stressing about whether i should declare br - thanks mainly to the sense spoken on this board:T
However - now stressing about the OR interview as always get in a terrible state in situations like that. A lot of the debt I've got is down to my business going belly up so I understand they'll need to see the accounts/receipts stuff that are relevant to that. Do I have to take statements from my personal credit cards/accounts etc and how far back - i.e do i have to pull myself together and contact the bank/card companies to request any statements i'm missing or will the or obtain these?
Also - oh is not declaring br but we have had a joint account since starting the dmp 18mths ago - i'm going to remove myself from the account before declaring br as i think it will be less complicated as far as all the dd's and tax credits etc can keep going in there - will the or query me on transactions that my oh might have made (not that i think there's anything odd there but just getting stressy again!)
Also - on the br forms there is a box querying divorce settlements - i divorced ex 5yrs ago and as part of the dvorce he was supposed to carry on paying off his half of a loan - which he didn't - i ended up re-mortgaging to settle it rather than take him to court as i couldn't gather the solicitor fees at the time - probably stupid in hindsight but ..... will the or look at that and find me at fault for not legally getting him to pay it?

thanks

fermi

They will want personal CC statements etc....

How long for is done case by case. Typically 1 - 2 years.

If you are missing any though, it's no big deal They can get them direct from the banks.

skintflint103

Take a big breath and make a cuppa!This interveiw will most likley be over the phone anyway. the OR will go though it bit by bit. He won't harangue or judge (Can any one from OR tell us what training interveiwrers get cos they're always so calm?) They will just ask you to forward the bits they need they don't want to drown in useless paperwork. They are not divorce lawers so thats not in their remit to comment on your divorce. Get the papers in order [EMAIL="DON@T"]DON'T[/EMAIL] TELL ANY FIBS and you'll be just fine. You can't go to jail!

Discharged

starbies wrote: »

However - now stressing about the OR interview as always get in a terrible state in situations like that.

Calm down!!! It's not a Police interview, they were really friendly with me and showed me what I could and could not claim for. They're looking for suspicious 'large debits' etc, some people deliberately make themselves BR by hiding cash and assets, that's what they look for.

I had my own business too, had £130K of joint debt (personal/business) and it doesn't matter, take everything you've got, the more you take the better, play fair and honest with them, you're a statistic and their only aim is to process you ASAP, nobody will judge you or make you feel uncomfortable.

starbies wrote: »

Also - oh is not declaring br but we have had a joint account since starting the dmp 18mths ago - i'm going to remove myself from the account before declaring br as i think it will be less complicated as far as all the dd's and tax credits etc can keep going in there - will the or query me on transactions that my oh might have made (not that i think there's anything odd there but just getting stressy again!)

I'm not sure on that one, if you can, pay all your bills in advance and make sure there's legitimately as little money in the account, get your OH to open a new one in his own name, you are financially linked at present so get your hubby to open new one quick before the credit reference files catch up, get the DD's paid out and credits into it

starbies wrote: »

Also - on the br forms there is a box querying divorce settlements - i divorced ex 5yrs ago and as part of the dvorce he was supposed to carry on paying off his half of a loan - which he didn't - i ended up re-mortgaging to settle it rather than take him to court as i couldn't gather the solicitor fees at the time - probably stupid in hindsight but ..... will the or look at that and find me at fault for not legally getting him to pay it?

I split up with a girl ten years previous and was paying £10 a month off a debt which was incurred when I car was repossessed after she left me, I was unemployed and voluntarily gave the car back, was told all sorts of !!!! n bull about it's the best thing to do and it wouldn't affect the credit - ended up with default, there was a £4500 shortfall and i made an arrangement to pay off the balance

when I moved to different part of country eI didn't let on, just kept paying the money, so when I went BR included that and a £15K CCJ that I got at the same time, again, was 21 and I took all of our debt on then got laid off, before I knew it First Direct called the loan in and was left with CCJ, but I buried my head in sand and paid the price.

So that was included too, after I was made BR the finance company then tracked down the ex who was a guarantor on the car loan and tried to pursue her for the half of the outstanding, she was married with new child the whole lot, but I called them up and did a deal to settle to save her any flak, she walked out on my in my hour of need and I really thought she should of paid something, but too much water under the bridge so it cost me £500 but it was settled once at last.

So my answer is if you've paid his debt off then the BR won't have any issues with him but you certainly could sue him for the half but you'd have to surrender it to the OR, so I'd say don't worry about it. The OR won't take on any legal battles, costs more than they'd gain, they tend to only deal with money and assets that are liquid or can be quickly.

starbies

as always - thankyou so much for the sensible and supportive replies - I've gone from being a absolute wreck at the start of this week to beginning to see there is light at the end of a grim tunnel!!
this forum is just fantastic!!

debtinfo

skintflint103 wrote: »

what training interveiwrers get cos they're always so calm

They undergo specific training with actors on how to remain calm in difficult situations and conduct interviews with troublesome, reluctant and aggressive interviewees.

Most people who petition for their own bankruptcy are usually no trouble at all:D. Apart from a few tears, nervousness or forgetfullness, obviously