ORs report to creditors

NewStartGoneWrong

Hi

When I had my long ORs chat and going through my Debtors petition they said that once they had compiled there report they would be sending out the report to my creditors.

Am I allowed to see what is in the ORs report?

PippaGirl_2

Basically it is what you have submitted in your forms, it just summarises it so it's nothing you don't already know. As for seeing it, you could ask your OR?

NewStartGoneWrong

Reason I've asked is one of my creditors was sent a copy of this by OR and they sent it to me I'm thinking by the wording of there covering letter * Thank you for sending the The Insovencey Service document to us ( I didn't the OR did send it to them) A copy has been retained by us to be dealt with and the original is enclosed herewith*
They obviously thought I had sent it to them.

It made interesting reading some of it :eek: but on the back of form RTC suppose that means Report To Creditors giving an outline of the reasons why I went BR but. On the back of said form was this paragraph that made me a bit panicky Im assuming this report was sent to all my creditors so the paragraph was this

* I will be pleased to receive from creditors useful information concerning the bankrupt's dealings or property, together with particulars of any written or oral statement made by the bankrupt concerning there financial position, and to consider suggestions for further explanation or enquiry. *

Now I know the OR has to look out for reckless spending and other things but I only went BR as my ex went BR and the joint mortgage debt passed to me, am I seeing things that are not there.


They said in the above report that they were not going to summon a meeting of creditors as there was no apparent prospect of a distribution of funds.

Wish the company involved hadn't sent me this ( by mistake I assume )
I'm now worrying myself stupid thinking of all my creditors getting this report and sending oral and written statements which I assume is application forms etc.....Not that I have ever filled in such forms with untruths...one creditor said he'd get his money back in any way or form they chose and this gives them an open chance to cause trouble as I was left unable to pay the debt I owed them and had to put into my BR...

I really am going paranoid over this, I suffer from depression and am maybe making a mountain out of a molehill out of this.

So was just wondering are we allowed to see this report to creditors ? Well have kind of answered that question, I have seen it, and don't agree with some of the reasons the OR has put as to why I went BR, they sent out this report to creditors with some facts not correctly reported, had I seen it I would have objected to these reasons and asked for them to be corrected, it's too late now.

PippaGirl_2

That sounds like a normal standard letter to me. They just ask the creditors if there is anything they'd like to say about your finances with them. They are asking in case a creditor says something like "the person said they were working for so and so earning £xxx,xxx of money at the time of their credit application when they weren't for example. It's absolutely nothing to worry about if you didn't do something like that. It's just standard things, the creditors will file it no doubt and forget about you. I am positive a very similar letter went to my creditors.

JCS1

The reasons for the bankruptcy will be summarized in a sentence or two, the rest is standard so nothing to be concerned about.

NewStartGoneWrong

:DThanks everyone for the clarification.

I do really need to take a step back and realise what my BR actually means, debt free fresh start:D begining of a new chapter , Ive fought hard to overcome my depression and silly trust issues after the ending of my violent marriage, just waiting on the divorce now then I can get on with my life.

Once again thanks

fiveyearplan

Yep, fresh start all round for you NewStartGoneWrong!