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faeriequeen

Hi-it's me again.
Just received date for my telephone interview-next Wednesday.
I thought that the OR might ask me to send in any relevant documents before the interview but I was just asked to sign a couple of forms and send them back at this stage.
Is it usually the case that the OR will then request from me all the papers he or she wants to look at after the telephone interview?
Thanks again

dalip

The OR normally asks for 12mth bank and credit card statements,but i think i am right in saying some on here have not been asked for any.Some don't even get a interview. So maybe somebody up above is looking out for you! Let us know how it goes and try not to worry too much over the wkend. Dalip

faeriequeen

Thanks Dalip-will definitely let you know what happens.
I'll take your advice and try to relax a bit about things for the rest of the weekend. I'll at least stop staying up half the night trying to find all the documents for everything-I look and feel like a zombie!
X

psycrow57

When I went BR, I couldn't provide many statements or my loan agreement if I didn't have them anymore. I honestly had about 3 bank statements and 3 credit card statements, and they never ever mentioned it to me.

Hypothetically speaking, if you didn't happen to have this loan agreement any more, wouldn't the entire problem go away?

Just a thought! It's not like you're lying, it's clearly an error in the paperwork, so there's no reason for you to be punished.

PS My situation isn't quite the same, but when I went BR I was classed as disabled, so my working hours had significantly reduced too - they were very understanding about it all.

faeriequeen

Hadn't thought of that possibility psychcrow-could make things a bit simpler! Thanks for that thought!
If you saw the stuff I've been trying to collect-my bedroom floor is completely covered with papers-I think I'm starting to lose the plot!
I even started looking for a copy of my decree absolute the other morning from about 2 am to 4 -and no-one is going to want to see that, I'm sure!
Also, everytime I think of the questons I may be asked relating to anything to do with time and figures-my mind goes completely blank-I can't seem to remember the chronology of anything!
I just hope I can make myself sound faintly coherent on the day of the interview and offer some explanation for things that makes sense!

psycrow57

Don't worry at all - I was on very high levels of morphine during my OR interview, and I was a garbled mess, and it really didn't matter. They were very patient, and none of the questions they asked were that difficult anyway.

All they asked about the debts were when they were taken out (ie. when I got the card or loan), and roughly what it was spent on - 'living costs' is a good enough answer there.


Best of luck
x

faeriequeen

Best of luck to you too-I'll let you know what happens.
Thanks for your support
x

faeriequeen

Called into OR's office today to hand in 2 forms that they needed signing before my telephone interview on Wednesday-I felt nervous enough just doing that!
Anyway, I'll obviously just have to wait to see what happens on Wednesday but wondered if anyone had any thoughts on my dilemna as far as my property is concerned, as I really can't think clearly about it.
It would appear that the house is either in negative or else very little equity so I imagine there might be the opportunity for a third party to buy the beneficial interest in it. Up until now, that's what I have hoped would be the case for my daughter and myself(there's just the 2 of us living there).
The dilemna is that my current mortgage payment is very high £800-and virtually eats up most of my salary(I get paid on an hourly basis and the number of hours varies from month to month-however, the average is only£1050). Up until last October, I earned about £650-£700 more than this per month which obviously made a big difference.
A number of really difficult personal and work-related circumstances at that time meant that I terminated the part of my contract that paid me the £650-£700, even though I made the decision at a time when my judgment was really badly affected and I was clinically depressed. ( I subsequently asked if I could have the hours back because I had made the decision at a time of extreme stress and was receiving counselling as well as treatment from my GP at the time, but was told that it was then too late because everything had been processed).
As it is now, I hope that at some point in the not too distant future, my health will have improved sufficiently so that I may be in a position to supplement my income or else find alternative employment altogether but I obviously can't know when that may happen.
So-I'm left to decide whether I should try to hold on to the house and live on less than a shoe string(if the OR allows it, obviously),in the hope that my financial situation will improve in the relatively near future so that the mortgage payments become less onerous, or else should I let it all go and look for rented accommodation or else try and be considered for social housing? With the private rented option, there is also the question of bonds, rent in advance (I would not be able to afford these costs)and rental costs of at least £550 or more.
I am thinking that perhaps, even if I ultimately have to sell the house, then I might get at least something from it-since the main reason for the bankruptcy has stemmed from disastrous involvement with people doing work to my property, I just think it will have been all completely wasted if I also then end up my losing my home). On the other hand, I wonder how will I manage to carry on with that mortgage payment in the short term, given that as it is now, I will not be in receipt of holiday pay either, due to the change in my contract.
Am I flogging a dead horse, I wonder ,or should I risk things changing for the better as far as work is concerned?
I am aware that, if I indicate that someone wants to buy the beneficial interest in the property, then any shortfall that accrues further down the line will be my responsibility-do I have to tell the OR now what my intentions are, at the time of my interview as far as buying the B I is concerned?
I'm sorry this is so rambling-as you will see, my thinking is really cluttered at the moment. Any thoughts or advice would be really welcome.x