had 2 face to face OR interview now worried

boogiewonderland

hi folks
i have just had the interview with the or.
i am woried about getting a B.O.R against me.
my dept is to the inland revenue for income tax and ni dating back 10 years.
i also was quite a heavy bambler, and from what i have been reading on hear these are two of the thing that can make the or decide to apply for a b.r.o.
any thoughts please:eek:

boogiewonderland

soory that shoud have said gambler.

rog2

I would not worry, unduly, bwl. Was yours a 'debtor's' (self) petition or a 'creditor's' petition?
In the case of Creditor Petitions (i.e. where one of your creditors petitions for your bankruptcy) OR interviews are, almost invariably, held face to face at the OR's office.
Can't help on the (b) gambling front though, but someone will.

boogiewonderland

oh right, i did not know that. i thought they only did face to face interviews when they thought that the bankrupcy was complcated.

rufus79

Round here (Southend) all OR interviews are face to face - I had had mine within 2hrs of being declared bk!! So on that score I wouldn't worry. I would think with the things you have mentioned, you should be ok so long as you are totally honest with the OR and work with him, but I can't say for certain.

Gook luck!

philnicandamy

same here...had face to face interview back in march at Liverpool court within 30mins of being BR, as others have said just try & relax (easier said I know) be as honest and open as you can & the OR will be fine

JCS1

regarding the gambling, it depends on how much you estimate you have lost in the last few years, and whether this is material in connection with your liabilities. If you have also gambled with creditors money, such as loans and credit cards this can be considered misconduct.

backontheup

A large chunk of my debts were to IR and the OR hasnt mentioned anything about BRO's or BRU's to me.

As for the gambling thing, you may just have to bite the bullet I am afraid. But just remember - it was only as recent as 3 years ago that all BR's were undischarged for 3 years. Its only the change in law that makes 1 year the default.

Sorry to not be more positive :-(

debt_doctor

Hi, often people who have gambled with money from creditors ie using personal loans or credit cards to fund the gambling habit do receive BRO's. However you should think about the real effect of a BRO on most people. First, you will be discharged in a year or less from your bankruptcy, a BRO does not effect that. Also the main effect of a BRO for most people ( who are not company directors etc ) is that you cannot borrow more than £500 without disclosing you are the subject of a BRO.

Any one who is declared BR has their credit rating shot for 6 years anyway - so what difference does a BRO of up to 6 years make !! - you would be unfortunate if you got a BRO for more than 6 years for gambling.

Best wishes.