OR interview tomorrow!

ShinyShiny_2

Hi everyone, I'm *really* nervous about tomorrow and I was hoping for some advice about what exactly is going to happen.

My main concern is that the debt that's got me into this mess has been taken out by my husband (in my name, with my knowledge), so all the info I have on exactly what it was taken out for and what it was spent on is second hand. My husband isn't the best with money but the main unforseen factor that's caused the problem is that he's had two paycuts in the past two years, so the money we should have had for these bills simply hasn't been there.

How much probing do they do? I don't have anything to hide and I haven't been dishonest, but do I have to justify things like buying my son a Wii for his birthday? Would that be seen as an irresponsible expense?

Sunnylooloo

Hi

just giving you a little bump up and someone will be along soon to share their experiences with you, one thing I have learnt from being on here and reading other threads is just try not to worry and panic and just remember the OR is acutally human, as you have said you have nothing to hide to just be honest and I am sure you will be fine. As I said I am sure somone will be along soon with their own experiences.

Good luck and I really hope it all goes well for you

IF

Hello SS, It's nothing to worry about. its just for the OR to get a feel why you went BR. Before the call just look through your SOA So your familiar with what you said. If you have not sent off your bank/credit statements have them to hand. The OR will just go through the SOA with you.
Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. If they are things you would like to know, make a list so you don't forget!
Let us know how you get on.

Best wishes
If...x

ShinyShiny_2

Thank you both very much for your responses, it really means a lot to me

I know I've already touched upon this, but can I expect a grilling from them for purchasing non-essentials (DVDs, books, etc) on credit? I'm not saying I've got a chihuahua with a diamante collar on or anything like that (or that I've "forgotten" anything on my forms - I have absolutely declared everything properly), but is it OK/normal in the eyes of the OR for people to have used credit for things like that (it wasn't the cause of the bankruptcy, but money could have been spent more wisely)?

pixiechick_2

Good Luck for tomorrow SS.

Sorry I can't give you the benefit of my experience because I haven't gone BR yet.

IF

ShinyShiny wrote: »

Thank you both very much for your responses, it really means a lot to me

I know I've already touched upon this, but can I expect a grilling from them for purchasing non-essentials (DVDs, books, etc) on credit? I'm not saying I've got a chihuahua with a diamante collar on or anything like that (or that I've "forgotten" anything on my forms - I have absolutely declared everything properly), but is it OK/normal in the eyes of the OR for people to have used credit for things like that (it wasn't the cause of the bankruptcy, but money could have been spent more wisely)?

You will be fine. No first editions I hope!!;)

leahceri

Hi
I had my OR interview last week and I was really nervous but it went ok. The interviewer was nice and she asked me why I went bankrupt and if I was aware of the implications. She didn't interrogate me she just asked a few questions in a polite manner. It took 30 minutes and i was so relieved when it was over, it wasn't as bad as i thought it would be.

Good luck

stevemarsh1976

Good luck Shiny

ShinyShiny_2

ifwisheswerehorses... wrote: »

You will be fine. No first editions I hope!!;)

If I had some first editions to sell I wouldn't be in this mess in the first place!

Really good to see all your supportiveand practical responses - I'll post after the phone call tomorrow so hopefully some other panicky soul will benefit from it.

dojoman

Hope everything goes well for you

ShinyShiny_2

I'm posting this in the hopes that someone else will read it and be reassured by it, if you have any questions please ask and I'll try to answer as best I can. I'm sure a lot of this will be obvious to long-time board members or those familiar with proceedings, but I found myself hungry for every little detail when I started researching this so I hope it will help someone else too.

Just had my OR interview over the phone - 30 minutes from start to finish, including him asking me if I had any further questions and me apologising every 2 seconds. It wasn't pleasant, but he was totally professional and was only after facts and explanations as to why I'd got into this mess - he wasn't trying to catch me out and he wasn't interested in little details or exactly why I spent £20 on Amazon six months ago. The only upsetting thing was explaining how it happened; partly because I was ashamed of being stupid and partly because of various personal events that caused it. However, again he was only after facts and he wasn't trying to upset me or berate me for going bankrupt.

They aren't taking anything we own and the only check up we're having is a questionnaire in 3-4 months time just to see if our earnings have changed - other than that, I'm done! I want to say I'm relieved, but really I'm embarrassed it happened and I don't ever want to be anywhere near this state again.