Bankruptcy advice again please

Ineedaname

Johnpj wrote: »

If the OR agreed the rent was fair then they would want to ensure you could afford it. As in one of their roles is to bring some financial order to a bankrupts life. They would not want the bankrupt getting into financial difficulty whilst under their "care". A bankrupt might need to spend X on rent due to local conditions, but the OR will work with the bankrupt to ensure it is actually affordable.

Where on earth do you get the idea that part of the OR's job is to help the BR bring some financial order to their lives?

Once again you have thrown irrelevant information out which is confusing for the OP and not at all helpful in their specific situation.

Maizy has never said she wants to rent at the top end of prices. She is aware from previous discussions that she needs to look for a house according to her family size/demographics and at a fair rent for the area.

She is also moving prior to going BR so quoting the manual about the OR allowing the BR to delay an IPA in order to save up to move is totally unecessary.

Johnpj

kepar wrote: »

And?
So what is your point to the discussion.

The problem as I see it is that you and quite a few of the newer posters on here seem to feel that if and when they go br
they can at least keep or by manipulation of the allowances have a better lifestyle than they are leading whilst have £000's written

second point. I have never said that, and that's quite an accusation. In other posts I have actually said the very opposite, and taken the same moral line that you are.

It is part of the ORs role to bring financial order to a BKs life. It is a sad fact that many, and before I get challenged, not all, who go bankrupt have not created, or kept to a household budget. Again, before anyone argues, this is not directed at Maizy, I am responding to points raised by others against me.

Re the point in the first place. I genuinely tried to help the thread. The thread is about how and why the OR decides on an amount. I felt, and still do, that posing the extract from the manual was helpful in putting opinions into context.

philnicandamy

I'd still love to know where you get all your information from?


..at the end of the day we can all quote the OR's Tec manual but sometimes you have to think A..is it reasonable..and B half the time people wont understand even if you quoted for context and C:..do you really understand it yourself?

and a far as the OR's role is to bring order and financial stability to a bankrupts life? they dont have the time to deal with the caseloads they have..but if your quotes are indeed correct then how is it we're seeing more repeat bankruptcy cases now than a while back?

Johnpj

kepar wrote: »

It is all to your OR to decide what is fair.

it is why I felt, and still do, that going and taking the time to post how the OR is guided on this matter was helpful.

Johnpj

philnicandamy wrote: »

I'd still love to know where you get all your information from?


..at the end of the day we can all quote the OR's Tec manual but sometimes you have to think A..is it reasonable..and B half the time people wont understand even if you quoted for context and C:..do you really understand it yourself?

and a far as the OR's role is to bring order and financial stability to a bankrupts life? they dont have the time to deal with the caseloads they have..but if your quotes are indeed correct then how is it we're seeing more repeat bankruptcy cases now than a while back?

I keep being told that my points are wrong, so I attempt to justify. That is right and proper for me to do. I felt in this case the extract goes a long way to showing Maizy AND OTHERS who read this with similar concerns, things are dealt with on a case by case basis, and backed up my argument.

As for repeat bankrupts. Whilst it is the OR role to help a bankrupt bring order, it does not mean everyone learns from it. In fact sometimes the BK hardly has any contact with the OR, or the examiner, and so does not benefit from the process as much as they might.

kepar

Re the point in the first place. I genuinely tried to help the thread. The thread is about how and why the OR decides on an amount. I felt, and still do, that posing the extract from the manual was helpful in putting opinions into context.

Yes the thread is about being fair, but a lot of the posters know that the OR will allow the average rent for the area, that has been posted countless times over the 3 years I have used this site. I agree that there might be need for extra in certain situations, maybe with wheelchair access etc.

You keep quoting this line "It is part of the ORs role to bring financial order to a BKs life".

The OR ensures the BR has sufficient allowances to help rebuild their lives, but he doesn't manage their finances on a day to day basis. If a br gets back into more problems it is up to them to sort it, not the OR.

Why do you think that the OR will do that?

Johnpj

kepar wrote: »

You keep quoting this line "It is part of the ORs role to bring financial order to a BKs life".

The OR ensures the BR has sufficient allowances to help rebuild their lives, but he doesn't manage their finances on a day to day basis. If a br gets back into more problems it is up to them to sort it, not the OR.

Why do you think that the OR will do that?

with respect, you are adding more to it. I agree about no time to look after day to day, and I never said that. I also never said the OR will sort out future problems. See this is why my follow on posts get long, some want to challenge, and then I have to go into detail.

Bringing order in my mind is about budgets and understanding what one can and cannot afford etc. The whole process should, and often does help a BK understand more about financial control and budgeting. Before anyone complains - this is a general point, and I know it does not reply to Maizy.

philnicandamy

I'm sorry but your argument adds nothing to the posts....i've been watching your posts & always you reply after someone's questioned you with "well thats how my OR dealt with me"

many many people have said to you a reciever acts on a case to case basis so quoting extracts from the tec manual in my eyes only causes false hope and confusion

i'd agree with kepar though (there's a 1st!! :D ) what makes you think the OR takes a role in the day to day of a bankrupts life?

philnicandamy

These days with the receivers your lucky to have contact in a couple of weeks then half an hour to an hour tops for an interview...then no further contact till discharge

Johnpj

philnicandamy wrote: »

These days with the receivers your lucky to have contact in a couple of weeks then half an hour to an hour tops for an interview...then no further contact till discharge

That is a worrying trend, and would in my humble opinion be one factor in the rising number of repeat bankruptcy cases.