OR Interview/Paperwork

oopsydaisy_2

I have been looking back through posts and see that I need to give the OR 12 months worth of statements etc...

Is this a problem if I don't have them?? I always shred mine once I've checked them, so have only the last few weeks since I decided to go BR. I don't want the OR to think that I am hiding anything, but had a bit of an ID theft scare a while back so started destroying all "sensitive" information.

Are my creditors likely to play ball and let me have duplicates that I can submit??

Thanks

dojoman

The OR can get any statements they need if you cannot provide them, I was able to give my bank statements but not my CC ones, just tell the OR you don`t have them as you have shredded them, it should not be a problem:)

mandyl

dont worry just send what you have

oopsydaisy_2

Am I panicking a bit too much??

Thought I'd got til Feb to sort this out so having a bit of a flap now!!

I am slightly worried as I paid my dad £500 back and my sis £1000 which they loaned me til my student loan came out, and I hear that that is "preferring a creditor" or something like that?? But when I borrowed/repaid the money I wasn't thinking of going BR

fermi

When did you do this?

Were you insolvent then, even if then you didn't intend to go BR?

oopsydaisy_2

I had no income for a couple of months between year end of yr 2 and beginning of year 3 at uni as i was waiting for a crb check to start work.

I have since lost dla for my daughter and the top up in child tax credits so roughly £75 a week which has made things impossible.

When I borrowed the money in June I was still struggling (as I have been for a couple of years now) but could just keep my head above water.

I was told I had been given a HB overpayment of £5500 which is what has lead me down this path, although that had been wiped off as they admitted it was their mistake.

Ineedaname

oopsydaisy wrote: »

I am slightly worried as I paid my dad £500 back and my sis £1000 which they loaned me til my student loan came out,

If they loaned you the money against your student loan and you paid them back out of that loan then you might be OK on this one.

Fermi?