OR Meeting on the day

diva_darling!

Hi All,

Yet another question!

My meeting with my OR will be on the day of my BR straight after the court room bit (highly techinical terms I know!) I was just wondering what will happen then?

I assume my OR will go through my SOA and forms and ask me all those horrible questions I'm expecting then what? from the look of my SOA I wont be paying a IPA but do I find that out for sure then and there or do I have to wait for things to be checked?! I guess my question is what happens after your OR meeting?!

diva_darling!

blind-as-a-bat wrote: »

Wooh Girl slow down i cant keep up with you:rotfl:

My OR interview was over the phone so cant help much here i Know others have had OR interviw after court bit so im sure you will get an answer:D

Sorry Sorry! just realised half the threads on this page are mine! eek:

I'm just trying to get everything clear in my mind so I can get it sorted and done ASAP. I'm always like this, once the decision is made I want it all sorted straight away no patience!

But thanks to everyone for thier help - don't know what I'd do without you all!

wherediditallgo

diva_darling! wrote: »

Hi All,

Yet another question!

My meeting with my OR will be on the day of my BR straight after the court room bit (highly techinical terms I know!) I was just wondering what will happen then?

I assume my OR will go through my SOA and forms and ask me all those horrible questions I'm expecting then what? from the look of my SOA I wont be paying a IPA but do I find that out for sure then and there or do I have to wait for things to be checked?! I guess my question is what happens after your OR meeting?!

If you're going to the High Court, you'll be meeting one of the OR's staff not the OR himself. The person will go through the SOA with you, but that's more for them to make sure you've filled in the appropriate sections properly. The person who'll actually be going through your SOA in minute detail will contact you anything from 2-6 weeks after your hearing to advise you of a telephone/face-to-face interview (if they think one is needed), where they'll go over your SOA again just to clarify some points with you.

Once that part's done, you'll get a letter from the OR telling you their decision on whether an IPA will be set & for how much. If one's going to be set, the letter will include an agreement for you to sign & will give you a maximum of 28 days in which to return the signed form to them. If you send it back straight away, it won't do you any big favours as you have a 14-day cooling-off period, so they won't do anything with it until those 14 days have passed. Once you've signed agreeing your IPA, they'll then write to you with details of how & when to pay, etc. If you don't agree with your IPA, you can contest it, but you must have sound reasons for doing so, rather than just thinking it's unfair. If they don't get your signed form back within the 28 days & haven't heard from you that you're contesting it, they can go back before the judge & get one imposed on you. :eek: I suggest you don't hold onto the paperwork longer than absolutely necessary, as if they have to go back before the judge it makes you look like you're non-compliant.

One way or another, you'll hear from the OR with the outcome of them examining your SOA. It may take a month, it could take considerably longer as it all depends on what you've put on the paperwork & what they discover for themselves. If you think there's a chance of an IPA, I suggest that you put aside £50pm minimum until you hear otherwise, so that if an IPA is imposed you're not short of the money from the outset.

diva_darling!

wherediditallgo wrote: »

If you're going to the High Court, you'll be meeting one of the OR's staff not the OR himself. The person will go through the SOA with you, but that's more for them to make sure you've filled in the appropriate sections properly. The person who'll actually be going through your SOA in minute detail will contact you anything from 2-6 weeks after your hearing to advise you of a telephone/face-to-face interview, where they'll go over your SOA again just to clarify some points with you.

I'm not going to a high court (that sounds scary!) I'm going to my local combined court, when I rang they said that I'll have an appointment to do my forms and be declared then go into see the OR after and that the whole thing would take about half a day.

wherediditallgo

diva_darling! wrote: »

I'm not going to a high court (that sounds scary!) I'm going to my local combined court, when I rang they said that I'll have an appointment to do my forms and be declared then go into see the OR after and that the whole thing would take about half a day.

I think you should be prepared for an interview of some kind after that initial meeting. There's no way the OR or any of his staff would have enough time to go through your SOA properly in that small amount of time.

Casio28

Hi DD,

My bankruptcy was at the County Court and I was interviewed by the OR case clerk by telephone on the day. It took about 30mins and they're very polite and respectful (or that's been my experience). They just ask a few preliminary questions and then I was sent my proper interview date (when they go through the SOA in detail) by letter about a week later. This interview can be done over the phone too, if they think it's appropriate, so you may not necessarily have to go the OR Office to go through the SOA.

Hope that helps! x

diva_darling!

Great thanks for the info both! I'll go prepared for an interview but also prepared to have another at a later date!

Thanks!

diva_darling!

wherediditallgo wrote: »

If you're going to the High Court, you'll be meeting one of the OR's staff not the OR himself. The person will go through the SOA with you, but that's more for them to make sure you've filled in the appropriate sections properly. The person who'll actually be going through your SOA in minute detail will contact you anything from 2-6 weeks after your hearing to advise you of a telephone/face-to-face interview (if they think one is needed), where they'll go over your SOA again just to clarify some points with you.

Once that part's done, you'll get a letter from the OR telling you their decision on whether an IPA will be set & for how much. If one's going to be set, the letter will include an agreement for you to sign & will give you a maximum of 28 days in which to return the signed form to them. If you send it back straight away, it won't do you any big favours as you have a 14-day cooling-off period, so they won't do anything with it until those 14 days have passed. Once you've signed agreeing your IPA, they'll then write to you with details of how & when to pay, etc. If you don't agree with your IPA, you can contest it, but you must have sound reasons for doing so, rather than just thinking it's unfair. If they don't get your signed form back within the 28 days & haven't heard from you that you're contesting it, they can go back before the judge & get one imposed on you. :eek: I suggest you don't hold onto the paperwork longer than absolutely necessary, as if they have to go back before the judge it makes you look like you're non-compliant.

One way or another, you'll hear from the OR with the outcome of them examining your SOA. It may take a month, it could take considerably longer as it all depends on what you've put on the paperwork & what they discover for themselves. If you think there's a chance of an IPA, I suggest that you put aside £50pm minimum until you hear otherwise, so that if an IPA is imposed you're not short of the money from the outset.

Thanks for the indepth, gives me a much better idea of what to expect

Dont know what I'd do without this forum got more info off here in the last week than I found in a weeks leading up to it!