Phone call from OR 10 months into bankruptcy

lawstudent

Provided you haven't already (for want of a better word) incriminated yourself I would be tempted to say that your mum bought and owns the car however while you are getting back on your feet it for you to use. As such you had to register it in your name to get insurance with you as the main driver. Most companies require the main driver to be the registered owner. However if the money has passed through your bank account like you describe and they see details of this I think that argument becomes more tenuous.

nert

Not necessarily... I was in exactly the same situation recently, explained to the OR that a car was purchased for me to use by my gran, the verbal agreement was that the money was to go back to her if sold, its in my name as she doesn't even have a driving licence and the funds went through my account as she wasn't able to be with me at the time the car was purchased as she is elderly. The examiner was absolutely fine with all that which I was to be honest really surprised about, he just asked for proof of her money going into my account which I have provided and no further questions have been asked.

I dont know if I just got lucky (believe me, I feel it!) but if it was ok with mine fingers crossed it will be ok with yours too...

I completely agree the more honest you are with the examiner the more they try to help you..I think it depends on your circumstances but when the examiner said to me that he actually felt sorry for me I cried tears of joy.

Good luck and keep us posted :-)

sharan

tell them nothing they will not check, i kept my car etc and never let on. Not the most honest but whatever. I also didnt tell them I was working and am now discharged. never heard from them again

sort_me_own_yard_out

sharan wrote: »

tell them nothing they will not check, i kept my car etc and never let on. Not the most honest but whatever. I also didnt tell them I was working and am now discharged. never heard from them again

Not sure this is the way forward in all honesty. when you go bankrupt you are legally obliged to to be honest in every aspect of your finances. Just be honest.

nert

Yeah definately. Dangerous territory lying to the OR, could get you into a lot of trouble...as I said i was honest- lucky or not, honesty worked out for me.

:-)

arcon5

sharan wrote: »

tell them nothing they will not check, i kept my car etc and never let on. Not the most honest but whatever. I also didnt tell them I was working and am now discharged. never heard from them again

You got lucky. You wouldn't be taking such a laissez-faire attitude had the receiver found out and sought to prosecute you.

luvchocolate

Always be honest it will work in your favor they are reasonable people, and you are obliged to tell them of any changes in income etc. and you keep your self respect!! x

Pricivius

Slightly off-topic but relevant - I have owned my car for 8 years and been insured as the main driver with several different companies without difficulty. My mum is the registered keeper and always has been. It is not true that most companies need the main driver to have the car registered to them.

You may wonder why. The registered keeper receives all notices about the vehicle. If I know my mum will get any speeding/red light notices, I will make sure I don't incur any. Plus I have moved house a lot so this makes things simpler.

Rylynn

I am going to agree with the people here saying DO NOT change the car back to your mothers name, that would look very fishy, and just be honest. If you can prove the money went to your account from your mothers perhaps the OR will not do anything about it. Lying will only lead to more problems.

As others have said most OR's are human and decent people, mine was, and when we went through my assets (over the phone) I told him about the car he asked the value and I gave him the one I had found online (and I did not lie or try to make out it was worth less than it was either) and he said he was not interested and I could keep the vehicle as I needed to get to work, and with no job I would simply be another person on benefits. I had to pay no money to anyone as I was earning so little and was discharged within 7 months.

So just be honest.

bradz2013

So it it unusual tht the official receiver phones me after 10 months, accuses me of working and knows where ive bought my car and for how much. Seems to me an ex is trying to make up crap, and for me to have my car taken from me doesnt it! She even tried saying i worked and paid for my car in cash, I WISH!!! I wish i had a few pounds but at the minute i have nothing and not even a job.