Mind working overtime.....

HothHan

peterkay369 wrote: »

Hi HothHan, no - although I don't think my first OR interview was exactly the norm. It ended up being at about 7pm on a Friday evening as their systems had been playing up all week. Took approx 15 minutes in total, the OR asked for a brief overview of what happened, said my Income & Expenditure were all ok and that was it. I think given more time they may have delved deeper. They didn't mention the need for any further contact

The second interview I had (to determine whether or not I'll get a BRU) again only took around 15 minutes but went into more details on what happened, who I borrowed the money from, when I borrowed it, what was it used for etc.. It was mentioned that they were still awaiting a reply from one of my creditors, so it could be that they won't contact you until they have a lot more information. It is nothing to worry about however, they aren't judgmental and you won't be told off as such, they just need to gather the info. Normally this interview is done face to face however they can do it over the phone if requested and you have a suitable reason for not doing face to face.

After this they will get you to read over your statement and it'll be sent to another department who then say whether or not you will be receiving a BRU. You then have a choice of whether to accept or not. If you don't, it could go to court and if found in their favour, an order will made against you to follow the restrictions which then becomes a BRO.

Thanks for taking the time to reply, I'm fully expecting a BRU to be honest due to my gambling and the speed it got out of control and the recent borrowing etc. I'll definitely just accept it as I won't make a difference to me anyway, to be honest. I think I'll probably have to have a second interview by the sounds of it then too.

KJ2886

I think reading about the BRU ill be getting one of them too due to gambling and very recent too!
I was getting it all under control and my debt was decreasing about 18 months ago and then got out of control again.
I was making all my min payments until 4 months ago too! I also got a CCJ against me around august for something else too (only found out a few months ago), my 0% offers ended and min payments went up, charges and fees kept adding up and I just couldnt afford them no more, was setting up a DMP with stepchange at the beginning of the year when I found about my CCJ and now had high court enforcement stage which and with their additional costs has pushed me more to the decision of bankruptcy

Just worried with the bankruptcy it will look bad that I havent made good enough effort into repaying the debt as didnt start my DMP or repayments

Mistygrove

Four months later you got a call.
I thought after they first few weeks it should all be sorted so you can relax. After reading this I'm gonna be on eggshells for 12 months until discharged. I'm such a worrier and I'm hating this whole experience but had to do it as I couldn't afford my debts. I could cry.

nikkirr

At the end of my call she said i will send a confirmation letter stating no further interviews are needed

peterkay369

To be completely honest a BRU will not affect the vast majority of people, I think the main restriction that people would like to avoid is in relation to the credit of £500 - you can still obtain credit of over £500 however you need to inform the creditor. Other than that it's just along the lines of not being able to be a company director, insolvency practitioner etc. A BRU will have little to no effect on day to day living.

KJ2886 - I didn't make a single repayment to 2 of my creditors (in total made up approx 35% of full amount). The examiner questioned this and I answered honestly (I lost it through gambling) and they moved onto the next question and didn't judge me. They do this on a daily basis so have seeen it all before ☺

I wouldnt worry about it, easier said than done I know however looking back on my interview I can't see why I was so worried.

Feel free to PM me if you wish to discuss anything