Bankruptcy and the OR phone interview

Stuckinarut14

I have just gone bankrupt and the official receiver is calling me weds for my interview.. Feel so nervous few questions what will happen to my phone contract as i havent included it in my bankruptcy as its not a debt also how much do they allow on each thing in outgoings thank u in advance

egrescrimp

Stay calm the interview isn't anywhere near as bad as you imagine

Providing the mobile contract isn't insanely high, they won't have a problem with it. If it is, then you may need to subsidise the cost of the contract from another area of your SOA.

My mobile contract is still running and I've been bankrupt since March, mine isn't a mega expensive contract though it's about £15 per month.

Post your SOA that was used in the bankruptcy petition along with your income and we will see if it can be improved at all

IF

Hi Stuckinarut14, as egrescrimp has said it's nothing to worry about, its just for the OR to get a feel why you went BR. Before the call just look through your 6.28/SOA so your familiar with what you have said. The OR will just go through your 6.28/SOA with you. Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. Do have a list with all questions ‘you’ want to ask. Can last anything from half an hour to an hour and a half.

Best wishes
IF