OR interview tomorrow

wolfers

So I have my telephone interview with the OR tomorrow. I'm reasonably calm about it, and it's been great to read about other people's experiences.

I am nervous, though, because I don't know how detailed it's going to be. I had four bank accounts and seven credit cards when I went bankrupt. Most of my debt was shuffling debt between them, while paying quite large repayments every month. And it was slightly complicated because I shuffled debt back and forth between my business and personal accounts.

Plus I'm worried about getting an IPA. I don't want this all dragging on for three years :S

wok_boy

wolfers wrote: »

So I have my telephone interview with the OR tomorrow. I'm reasonably calm about it, and it's been great to read about other people's experiences.

I am nervous, though, because I don't know how detailed it's going to be. I had four bank accounts and seven credit cards when I went bankrupt. Most of my debt was shuffling debt between them, while paying quite large repayments every month. And it was slightly complicated because I shuffled debt back and forth between my business and personal accounts.

Plus I'm worried about getting an IPA. I don't want this all dragging on for three years :S

If you don't have a surplus on your SOA then you won't get one.

curly04

wolfers wrote: »

So I have my telephone interview with the OR tomorrow. I'm reasonably calm about it, and it's been great to read about other people's experiences.

I am nervous, though, because I don't know how detailed it's going to be. I had four bank accounts and seven credit cards when I went bankrupt. Most of my debt was shuffling debt between them, while paying quite large repayments every month. And it was slightly complicated because I shuffled debt back and forth between my business and personal accounts.

Plus I'm worried about getting an IPA. I don't want this all dragging on for three years :S

Wolfers - BREATH! - I bet watching the football today is going to be a worse experence than talking to the OR

Tell them the truth - you used debt for - what ever - general living, etc and then your business stuff. No matter what you tell them they have heard it all before.

When you are on the phone, have you SOA, a drink and a copy of your forms.

It will go quiet at times but dont try and fill in the silence - as silence is golden! The OR will be making notes, so they dont have to ring and ask again.

Only answer what they ask you, don't waffle.

I had an IPA before a change in circumstance, the way i looked at it was - I was paying less than I was paying my debts. and I would be leading a lot better life to

Good luck let us know how you get on
x

wolfers

curly04 wrote: »

Good luck let us know how you get on
x

Will do. This forum has been such a support to me and I plan on being a support to the people who come after me.

dojoman

Good luck tomorrow.

wolfers

Erk! Half an hour to go . . .

Angiepange

wolfers wrote: »

Erk! Half an hour to go . . .

Good luck wolfers, I am sure you will be fine.

Just try and stay as calm and focused as you can. If you are anything like me the sense of relief to get that part over with is enormous!!

Angie x

wolfers

Five minutes. Been to the toilet three times, feel sick and am shaking!

Will report back afterwards . . .

wolfers

Just finished -- it took fifty minutes.

The guy was THE NICEST MAN IN THE WORLD.

The process was nowhere near as traumatising as I thought it was going to be. I was honest about what had happened, he was impressed that in the last 12 months I haven't really increased my debts and I've kept up with the payments and he's going to recommend early discharge

Super relieved

wolfers

Oh, and no IPA

wok_boy

wolfers wrote: »

Just finished -- it took fifty minutes.

The guy was THE NICEST MAN IN THE WORLD.

The process was nowhere near as traumatising as I thought it was going to be. I was honest about what had happened, he was impressed that in the last 12 months I haven't really increased my debts and I've kept up with the payments and he's going to recommend early discharge

Super relieved

Now stop worrying and get on with your life