Information for OR interview

Little_Miss_Skint_2

Hello me again

Further to my original thread yesterday I need some more help.

I'm just trying to get together a load of information and paperwork for my OH when I discuss his BR with him this weekend.

Could anyone who has been through this before please give me some idea of what type of questions are asked in the interview and what things they need to see. Do they need to see bank statements etc?

Many thanks

Onwards and upwards and all that jazz

skaboy

From what I understood from my own OR interview, the more documentation you can provide, the less likely they are to look at it. Please don't take this as a given but we had all statements from the previous six years and the OR's clerk didn't scrutinise them. It was as though, we HAD all of the information and therefore nothing to hide, so they didn't worry about checking it.

Questions I was asked were:

Do you have a car?
Do you have any antiques?
How did you get into debt?
Have you been BR before?

My full story is here:

http://forums.moneysavingexpert.com/showthread.html?t=357641

You may find it useful.

Good luck!

Rafter

The receiver has a legal responsibility to check that your OH is telling the truth on his application about the reasons for the bankruptcy. They then have an obligation to recover an amount for your creditors by realising your assets (home, car, non essential home items (eg antiques) and then to work out whether you can afford to make a payment from your income for the next 3 years, after deducting your essential living costs and giving you around 33% of the balance for unexpected items, socialising etc etc.

Having taken a friend through the process recently we produced a file with 6 months worth of bank statements. Calculations of the big items on the expenditure page. Details about the car and what it was worth, copies of utility bills, council tax, rent agreement etc.

The interview was fairly simple as a result. If there are any big items on your OH's bank statement (going in or out) they may want an explanation and supporting evidence to ensure they haven't tried to give away any money you did have either to avoid it being taken away or treating some of your creditors (eg a loan from family or friends) preferentially to banks and other people you may owe money to.

Suggest you put a file together, then take a copy of the whole thing so you can run through it with the OR over the phone if you have a telephone interview.

As long as you have been totally honest on your SOA you should be fine. In your case though looking at earlier threads the main problem is that your OH had put his head in the sand and ignored requests to contact the OR. He is lucky he hasn't been summoned to court before now and good on you for sorting him out.

R.

wherediditallgo

When I had my telephone interview, the OR just went through certain sections with me - things like assets, how much money in the bank etc. Make sure you have your SOA with you, as it's very easy to make a simple mistake of memory which they might cling to thinking you're deliberately lying. They didn't ask me to supply my bank statements, but then I had provided all my account details on the SOA so maybe they'd already got them for themselves, plus it wasn't banks I owed the money to.

I suggest you do as others have suggested - get a copy of the SOA from your OH, then go through it carefully, & put together a file of supporting paperwork relating to each section. The OR isn't there to deliberately trip him up, & if he can show that he's trying to provide as much info as possible, it will work in his favour.

SeaBreeze

The OR wanted to know what my incomings were just before and at the time I became insolvent. As i had been in an IVA for a year and lived without credit for 6 months before that it was very hard to try and remember things like the amount of tax credits etc that i was getting then. She was more interested in this than on what the money went on! So i'd recommend that you write a clear list of your net pay, benefits, maintenance etc as my head went totally blank during the actual interview. Good luck, such a relief when it's over:T

Remmer

I too provided statements for the last year for all but one cc. Only question asked about them was for one large purchase about a year ago. It was for an engagement ring for my OH. Not an issue. The OR even suggested the reason for my BR which I just agreed with although she was totally wrong. Guess I was lucky