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help please-OR interview!
chrissyxx
Posts: 252 Forumite
Son has just had his OR interview, and it was a disaster! We are all feeling even more despondent and worried than ever!
Son is living with us, as he cant afford to rent, and pays us £200 pm rent. He works as a barman, and has care of his one year old son during the week. He earns between £600-£750 pm max.
He still pays his ex £140 pm maintenance (used to be £220!) First of all, OR expressed disapproval that this payment wasnt done through a solicitor or CSA!!!!! (so much for amicable arrangements!) but eventually agreed to write to his ex for confirmation, but didnt seem very inclined to do that!
Son had claimed £100 a month housekeeping, to cover buying his own food, nappies, clothes and baby food. OR discounted that from his outgoings, saying it should be included in the £200 pm month rent!!!
He works locally, but has to travel 15 miles each way 2-3 days a week to collect and drop off the baby back at his mums, as she works shifts. He put down £80 pm for petrol (bare minimum!) and this was also totally discounted by the OR as it wasnt for work purposes! Thats £180 pm that he HAS to find, but that the OR discounted from outgoings! (also discounted £20 pm phone etc!) Upshot is, that he was told he will probably have to pay £162 pm to OR for next 3 years!!!!!!!! Totally laughable if it wasnt impossible! He tried paying £50 back to bank a while back, and couldnt even afford that, hence the difficult decision to go bankrupt. He is in a far worse financial mess after going bankrupt! He didnt enjoy making this decision, rarely goes out or buys anything unless its for his son. Where on earth do we go from here? We are totally at wits end. Only way out is for us to pay it for him, and we cant afford it either. Can anyone advise us please? We are sick with worry!
Son is living with us, as he cant afford to rent, and pays us £200 pm rent. He works as a barman, and has care of his one year old son during the week. He earns between £600-£750 pm max.
He still pays his ex £140 pm maintenance (used to be £220!) First of all, OR expressed disapproval that this payment wasnt done through a solicitor or CSA!!!!! (so much for amicable arrangements!) but eventually agreed to write to his ex for confirmation, but didnt seem very inclined to do that!
Son had claimed £100 a month housekeeping, to cover buying his own food, nappies, clothes and baby food. OR discounted that from his outgoings, saying it should be included in the £200 pm month rent!!!
He works locally, but has to travel 15 miles each way 2-3 days a week to collect and drop off the baby back at his mums, as she works shifts. He put down £80 pm for petrol (bare minimum!) and this was also totally discounted by the OR as it wasnt for work purposes! Thats £180 pm that he HAS to find, but that the OR discounted from outgoings! (also discounted £20 pm phone etc!) Upshot is, that he was told he will probably have to pay £162 pm to OR for next 3 years!!!!!!!! Totally laughable if it wasnt impossible! He tried paying £50 back to bank a while back, and couldnt even afford that, hence the difficult decision to go bankrupt. He is in a far worse financial mess after going bankrupt! He didnt enjoy making this decision, rarely goes out or buys anything unless its for his son. Where on earth do we go from here? We are totally at wits end. Only way out is for us to pay it for him, and we cant afford it either. Can anyone advise us please? We are sick with worry!
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Comments
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Hi Chrissy and welcome.
What an awful situation, and it just shows that each OR s different (thats wrong though and they should all follow the same rules, not one for one and another for someone else)
I'm not totally sure here but i know you can appeal against the ORs decision.
I'm afraid i have no idea how this is done though.
Hopefully someone else will pop on soon and give you some idea.The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter
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Just found this http://www.insolvency.gov.uk/howtocomplain/complaininssip.htm
have a lookThe first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter0 -
Thank you so much for the reply. We are just totally shell shocked by what happened in the interview. If he could have afforded to pay that sort of money, he wouldnt have taken the difficult step of going bankrupt in the first place. Even the judge said there was no way he could pay his debts on his wages! We were all totally depressed and worried before..this certainly has just reinforced those feelings and cant see any way out. Maybe things will look better tomorrow, but I doubt it!0
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