Our BR Diary, from start to finish......

Scarlett.1974

tigerfeet2006 wrote: »

It might be worth asking her tomorrow if she could be on standby. Maybe see how Potless goes on Friday. But having some moral support on Monday may be empowering for you.

(((hugs))

Thanks Tiger - hugs massively appreciated right now

I've already told her this evening of this latest development so I know she'd come with me, no problem. I'll sound her out about it tomorrow

deavera

hi just want to let you know i had 3 face to face interviews with or and back then i was scared witless and now when i think back they really just needed more info from me nothing more, no traps or trying to catch me out on anything just be honest with them and it will be ok,
just to let you know as well i had huge gambling depts which was part of the reason i went br.
hope this relaxes you a little,
good luck

tomterm8

BRU's just basically restrict your ability to get credit for 2-5 years. Now, if after all you've gone through you still want credit for a while I think you're mad...

Now, you should inform the OR that they are going to repossess your home ASAP, not after the fact, because the OR might decide to prevent it happening (because he wants control of the sale) and it will be expensive if s/he does so after it's already been reposessed.

blind-as-a-bat_2

Addicted2Chocolate wrote: »

You can have anyone sit in on the interview with you for 'moral support'. But the interviewer should not let the 'observer' discuss the questions/answers, or answer the questions on your behalf. If the observer causes problems, such as interuppting the interviewer's questions, or repeatedly attempting to answer questions on behalf of the bankrupt, they will be asked to leave the interview.
Scarlett, reading between the lines, its sounds to me like the examiner has obtained copy statements from credit cards and or loan agreements, and will want you to ask to to explain how debts were incurred, or justify how you thought you could repay partyicular debts obtained closer to the BO date.
The concern is that, when a person ought to have known they were unable to repay their debts (eg unable to make min payments, in arrears, maybe creditors getting CCJ's, change if circumstances eg unemployment or drop in income), this is called knoweldge of insolvency. If after a person ought to know they cannot repay their debts, the person gets further into fresh debt (not for consolidation of existing debt but making their position worse) then the conduct may be considered for a BRO. This particular allegation is called No Reasonable Prospect (of repayment) it is fairly common and would be a lower bracket BRO/BRU (2-5 years but period decided by court unless undertaking BRU offered by the bankrupt person)
To put a BRO/BRU in context: prior to 2004 everyone was subject to bankruptcy restriction for 3 years, once size fits all approach. But from April 2004 automatic discharge 12 months, but many people may have been culpable (not necessarily dishonest or even blamelworthy) and these people who have contributed to their bankruptcy, maybe the court should consider if they should be subject to the bamnkruptcy restriction for longer. BRO/BRU's are still civil proceedings, not criminal. There is no exhaustive list of 'misconduct' for a BRO/BRU.
The Further Investigation interview means the decsion to submit a BRO report has not yet been made by the OR's office.
Scarlett, i actually think you may be better off with anothrr friend or family member in the interview with you. Someone who has not been involved.
I guess i am going to get flamed now?.....

What the hell for

That must be the most factualy acurate and well put explanation ive seen for a long time A2C and contained nothing that could be taken the wrong way.

And i agree taking your OH is not a good Idea, i wouldnt be able to keep my trap shut if i was in that position and it was my OH, but i doubt that comes as any surprise to anyone:o :rotfl:

tigerfeet2006

tomterm8 wrote: »

BRU's just basically restrict your ability to get credit for 2-5 years. Now, if after all you've gone through you still want credit for a while I think you're mad...

Now, you should inform the OR that they are going to repossess your home ASAP, not after the fact, because the OR might decide to prevent it happening (because he wants control of the sale) and it will be expensive if s/he does so after it's already been reposessed.

Tomterm what do you mean about the home. Their house has nothing to do with this.

dalip

If i can get there lady scarlett(i know you are reasonabley close;) ) i'm free:D ,if your friend is not able.D

DebS_2-3

Whilst I can't drive - I do live in Brum & have been to the ORs office 3 times now.:rolleyes:

I could always meet you.

I don't mind and am quite willing to.

If I don't like what is said -I'll beat him up with my crutch.

Scarlett - is it deffo a man you are seeing?

dalip

Debs I am not sure you turning up with victoria would help lady scarlett:D the OR may well decide she has undesirable friends:rotfl:

DebS_2-3

dalip wrote: »

Debs I am not sure you turning up with victoria would help lady scarlett:D the OR may well decide she has undesirable friends:rotfl:

It's Ok D - we could visit vicky afterwards!:D

I might have to live with BR for 12 months - but I can see that I'm going to have to live with Vicky's legacy for a lot longer!!:rotfl: :rolleyes:

maxmycardagain

just remember the basis of english law

you are innocent till proven guilty