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Advice please on OR

Hello i am new to the forum and it's excellent, i went BR on 10/2/11 and still waiting for OR to contact me, does anyone know how long it takes?

Also I get incapacity benefit,DLA and have a occupational pension what is the procedure please? Also i read that you are not allowed to keep a contract mobile but PAYG would cost me more and also some of my prescriptions are private from my gp as primary care trust say that i have to pay can i claim these also chiropist fees?

I rent from a housing association

Many thanks

Comments

  • debtinfo
    debtinfo Posts: 7,012 Forumite
    Contact from the OR varies across the country depending on how busy they are, if you have not heard anything after 2 weeks i would give then a call

    As you have a private pensin they will asses you incme and expenditure and see if you have any surplus

    If the treatment is recommended by your GP it will be an allowable expense regardless of the fact that PCT wont pay for it
    Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
    Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.
  • It isnt up to the OR if you keep a mobile contract or not....its more upto the provider. When I told O2 anout my BR they closed may account and sent the final bill to my OR. Now on PAYG with O2 and to be honest i have been suprised by the good deals they offer on PAYG.
  • I haven't told my mobile provider and not in debt with them am i obliged to tell them - ahhhh
  • I guess you are because you might be in breach of your terms and conditions....i wanted to keep mine and always kept upto date with O2 but they dont like BR's so I was out!
    mrcurious wrote: »
    I haven't told my mobile provider and not in debt with them am i obliged to tell them - ahhhh
  • Do you mean mobile provider or BR :-)
  • mobile provider
  • It does vary the time it takes.

    With regards to mobile, both my wife and I had contracts with O2. We didn't declare those at the BR because we were up to date with the payments, so weren't debts that needed to be listed.

    No reason at all to tell O2 we had gone BR. A month or so later, wife actually upgraded her phone at the end of her contract to another contract phone (they won't normally do a credit check if you haven't had any payment problems). Actually though - we were both late with our payments in the month we went BR, as we were waiting for Co-op to get our new account open! We told O2 we had problems after changing bank accounts, and they waited a few days for payment.
  • I am sure that if you told O2 you are BR they would inform you that you are in breach of your contract and they would close the account. They have a department that deal with BR's but if you chose not to disclose this then that is clearly your choice.
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