We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
OR interview update
adpod
Posts: 242 Forumite
I had my OR interview yesterday and I thought I would share my experience.
I arrived yesterday at 9.20 for a 9.30, I sat down and waited for about 5 minutes before the OR came out.
We went into the office and before we started he discussed my business that I had 6-7 years ago (only traded for 1 1/2 years), he told me he would need to put that in the statement as it was a build up to my money troubles.
He went through all the papers I needed to sign and asked some details about my work and income.
Everything went smooth enough with no difficult questions however he refused to say whether or not I would get to keep my car, saying it will take a couple of weeks to make a decision. He also mentioned that due to gambling some money away within the 12 months prior to bankrupcty might affect my discharge date, say that someone will contact me as it is a very serious matter and might result in my bankrupcty lasting longer - Anyone had that before?
Also he NEVER mentioned IPA so Ibrought it up to clarify it and he told me due to my income changing from month to month he would need to talk time before making that decision.
I left feeling worse than when I went in - more waiting around to see if I keep the car and if I have to pay an IPA and now the possibility of having my bankructy extended, not a good day to be honest.
I arrived yesterday at 9.20 for a 9.30, I sat down and waited for about 5 minutes before the OR came out.
We went into the office and before we started he discussed my business that I had 6-7 years ago (only traded for 1 1/2 years), he told me he would need to put that in the statement as it was a build up to my money troubles.
He went through all the papers I needed to sign and asked some details about my work and income.
Everything went smooth enough with no difficult questions however he refused to say whether or not I would get to keep my car, saying it will take a couple of weeks to make a decision. He also mentioned that due to gambling some money away within the 12 months prior to bankrupcty might affect my discharge date, say that someone will contact me as it is a very serious matter and might result in my bankrupcty lasting longer - Anyone had that before?
Also he NEVER mentioned IPA so Ibrought it up to clarify it and he told me due to my income changing from month to month he would need to talk time before making that decision.
I left feeling worse than when I went in - more waiting around to see if I keep the car and if I have to pay an IPA and now the possibility of having my bankructy extended, not a good day to be honest.
0
Comments
-
It should not extend your discharge date. He may be oversimplifying things and be referring to a BRU/O. That extends the bankruptcy "restrictions", but not the actual BR.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
It should not extend your discharge date. He may be oversimplifying things and be referring to a BRU/O. That extends the bankruptcy "restrictions", but not the actual BR.
What sort of restrictions? Is there anywhere I can find that out?
It was only £10-£15 a week split from the lottery, scratch cards and a saturday football bet, seems very un-reasonable. It wasnt exactly betting ££££ on blackjack or poker.0 -
What are the restrictions imposed by a BRO/BRU?
Would be a tad harsh for what you have described though. Perhaps he was just giving the worst case scenario to cover himself?Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
What are the restrictions imposed by a BRO/BRU?
Would be a tad harsh for what you have described though. Perhaps he was just giving the worst case scenario to cover himself?
I hope so.
If I was given a BRO/BRU would there be a way of appealing it?0 -
A BRU is voluntary. If you refused that then they would have to apply to the court for a BRO. Presumably you would have a chance to oppose that.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards