Called in for face to face OR interview

jayk

Hi

Am in a panic 3 months into BR and thought all OR stuff over with. Asked to attend for face to face interview with OR to " conclude matters in my BR".

Feel sick has anyone had experience of face to face OR interview. I dont know what else to state as have been straight from start on SOA and subsequent e-mails no more to add. Supplied bank statements and all paperwork I had.

rossireps

i had a f2f but at the start of my br. i dont know if it will be the same but,please dont panic. honestly they wont eat you and although formal it was NOTHING like id feared. hopefully someone who knows more will be,along to reassure you.

debtinfo

Hi JayK,remember i have sat in 100's of face to face interviews, if you expect to get a BRO/U then this will almost certainly be why. For the BRO they need an evidential interview, the telephone one is not enough, as all the OR does then is write their own notes in this one, the OR will write a narative as they go along, it will be very repetative of the first interview and they write a sort of story of the events that happened that led up to bankruptcy.At the end you will sign to say that you agree with the statement and you get the opportunity to add a paragraph if you think something is missed or not quite written how you meant it. That then is the basis of the BRO, it is nothing to be worried about just formally puting down what you have already told them on paper

Emmamumof2

Hi Jayk
You may recall I had a F2F with OR as I had been "trading". I say what I say not to frighten but just to give realistic expectations - because of the handwriting of notes into a narrative, it takes a while - I was there from 10 until just gone 3, but within that time the examiner went away for 1/2 an hour or so to calculate IPA and we had a 15min break so I could get a drink and take some tablets, generally compose myself. the examiner didnt say anything I wasnt expecting, she even guided me a little as to what would be useful to try to "justify" myself in my statement, it was exactly as debtinfo said, she wrote a statement almost word for word and at each site of any amendment, spelling etc, I had to initial and sign the end of every page.

What is the reason you think you may get a BRU - my little understanding of this is that they would put it to you that they propose a BRO and if you agree the terms of a BRU (the undertaking you agree to as opposed to the court ordered restrictions) it would likely be for a lesser length of time than an "order" as it reduces the costs and hassle on the OR side as you agree and dont need to go to court.

I worried myself stupid about the F2F and it was quite traumatic but not because of anything the Examiner did, my mental state and symptoms of that cause panic and anxiety -

do you have long to wait before the f2F?

jayk

Thank you DI that is very helpful and informative. I feeel a bit better knowing that. I now understand if that is the process for BRO/U. Is it usually as early into BR as this. I suppose I was expecting to hear much further down the line re BRO.

Your help is appreciated. Thanks.

jayk

Hi EmmaMo2

Thanks for your reply.

Will have F2F next week. Will try to be calm and composed. All I can do is repeat and relate what happened and why I am BR.

debtinfo

It can be yes, generally if they were going for a BRO/U then you have your first interview within 2 weeks of the bankruptcy order and within 8 weeks of the BO they send a report to creditors usually about the 6 week mark. At the same time as that happens the examiner writes an internal report on the reasons for bankruptcy which goes to the Assistant Official Receiver. The AOR reviews it and if they think there is a possibility of a BRO/U then they hand the case to a more experienced examiner (so you might have a different one from now on), That examiner then digs deeper and gathers evidence and when they think they have enough (which since you have given them everything shouldnt have taken long - remember not everyone is so co-operative so for some cases getting all the info could take months) they then arrange a second F2F interview which seems to be where you are up to. After that interview there may me more months of gathering evidence depending again on how co-operative you are. They then submit a report to what they call the Authourisations Team(within 9 months of the BO date) who give them the go/no go to propose a BRO/U at which point they give you the option of signing the BRU for a slightly reduced term if you want to. It may seem a long process since you are not contesting it but in every case where they offer a BRU they have to be prepared to go to court if the person does not sign

jayk

Thak you DI. It is only me assuming I will get a BRO I have not been told that I will as have only had phone OR interview week after BO then e-mail from a different OR asking some clarification on points listed which I answered fully and promptly. Nothing until had e-mail requesting F2F interview.

Will just have to go through the process. At end of day its my own fault I am in this position. Just the stress I find very hard to deal with as am on ESA and although hope to get back into work again. I am not there yet.

Emmamumof2

debtinfo wrote: »

It can be yes, generally if they were going for a BRO/U then you have your first interview within 2 weeks of the bankruptcy order and within 8 weeks of the BO they send a report to creditors usually about the 6 week mark. At the same time as that happens the examiner writes an internal report on the reasons for bankruptcy which goes to the Assistant Official Receiver. The AOR reviews it and if they think there is a possibility of a BRO/U then they hand the case to a more experienced examiner (so you might have a different one from now on), That examiner then digs deeper and gathers evidence and when they think they have enough (which since you have given them everything shouldnt have taken long - remember not everyone is so co-operative so for some cases getting all the info could take months) they then arrange a second F2F interview which seems to be where you are up to. After that interview there may me more months of gathering evidence depending again on how co-operative you are. They then submit a report to what they call the Authourisations Team(within 9 months of the BO date) who give them the go/no go to propose a BRO/U at which point they give you the option of signing the BRU for a slightly reduced term if you want to. It may seem a long process since you are not contesting it but in every case where they offer a BRU they have to be prepared to go to court if the person does not sign

DI - do Examiners always write an internal report once they've sent out the creditors report or is it only if they thing a BRU is to be proposed they do this? The Examiner in my case did say she would have to pass on details but the lady who headed the team she passed it to was very experienced and may well just say no further action in terms of BRU....
I got in a mess with HMRC with the business records which was the reason I had asked if she thought it might be proposed, I hope it doesn't come to that, Im in a right state mentally but if it does it does I suppose I wouldn't contest either.

debtinfo

Emmamumof2 wrote: »

DI - do Examiners always write an internal report once they've sent out the creditors report or is it only if they thing a BRU is to be proposed they do this? The Examiner in my case did say she would have to pass on details but the lady who headed the team she passed it to was very experienced and may well just say no further action in terms of BRU....
I got in a mess with HMRC with the business records which was the reason I had asked if she thought it might be proposed, I hope it doesn't come to that, Im in a right state mentally but if it does it does I suppose I wouldn't contest either.

Yes in every case the examiner writes an internal report to the AOR with their recomendations whether that be that there is something seriously wrong or that there is nothing wrong at all.

Emmamumof2

Would they tell you if you asked them if they were doing any further with your case or not?