OR report - should we hear anything?

kutiez2005

Hi All,

It's been 9 weeks now since my husband and I went BR & all is very quiet on the OR front. In fact we have had no contact from them at all since our OR interview except for receiving a letter to say that our car is exempt & they have no interest in it.

Should we be expecting to hear anything? We are not likely to receive an IPA as our circumstances mean that we are having to rely solely on benefits (hopefully temporarily but can't see things improving in the next 18 months or so).

The OR did say that he would be producing a report to our creditors that was expected to take about 8-12 weeks. Will we hear anything about this & what happens when the creditors get the report?

Thanks
K

debtinfo

in a word no, the fact that you have the exemption letter means that the report will have alreadt been sent

kutiez2005

Wow... so does that mean we won't hear anything until we get discharged? I don't know what I was expecting... I guess I was expecting to read the report and then go through some kind of creditors objections or something. Think after years of stress I just can't quite shift this niggling feeling that something is going to go wrong.

fermi

You don't usually get a copy of the report, so that is it for now.

Unless there are any other issues to deal with (house?), you probably won't hear much more.

Believe me, I know the "is that really it?" feeling. That will be good when it sinks in.

Doucam

We haven't heard anything either, but hubby had to call them today about another issue and we found out that our case is no longer under the examiner and is with an assistant now, she said she will be writing to us in May about poss ED!!!

I am very happy at the moment!!

pepsi662400

There is nothing in the Insolvency Act 1986 to say you can not have a copy of your a copy of your report to creditors for your own records, but if you want a copy, make a formal request in writing.

Its completely normal now for things to go quiet and if you have no further assets, you will not hear anything else. Ofcourse if the OR needs information from you then he/she will be in contact, but apart from that, that's it. You may hear something from them in 3 months time regarding Early Discharge, but this is based by case by case.

fermi

pepsi662400 wrote: »

There is nothing in the Insolvency Act 1986 to say you can not have a copy of your a copy of your report to creditors for your own records, but if you want a copy, make a formal request in writing.

The report should be filed with the court.

As such, you have a right to request a copy of it via that route at the very least if memory serves.

In most cases though, it's not worth bothering with to be honest.

kutiez2005

Thanks everyone, we had no other assets than the car & that has already been confirmed exempt so just counting down to being discharged in December now then. Can't really believe that 2 months are down already!

pepsi662400

fermi wrote: »

The report should be filed with the court.

As such, you have a right to request a copy of it via that route at the very least if memory serves.

In most cases though, it's not worth bothering with to be honest.

The court will refer you to the OR in the case and they will process the request. Unless someone really wants to look at the report, your right, theres no real point, but it might prove useful for future records