| T O P I C R E V I E W |
| m and v |
Posted - 09 May 2008 : 07:03:13
Hi all
Just a quick message - my OR phone interview is this afternoon at 3pm. I am at work this morning so hopefully that will pass time quicker!
Any last minute advice would be greatly appreciated for me and my butterflies!!!
Vicki x |
| 15 L A T E S T R E P L I E S (Newest First) |
| m and v |
Posted - 12 May 2008 : 10:48:32
Thanks storm - I am hoping the examiner was just uncertain - she certainly confused me!!
It was the longest call ever -my ear was bright red - would have put her on speaker phone but was worried I would cut her off!
Will be waiting for post for thenext couple of weeks but hopefully its all done now.
Vicki x |
| storm |
Posted - 12 May 2008 : 10:02:42
Hi vicki
Glad to read you got through the call ok. Hopefully now you can start to rebuild. As for the car that is a complete bamboozle. I thought that it would have been safe regardless, I mean even if it was owned by you its still under £2000.
Oh well its sorted anyway, keep looking at that light. |
| m and v |
Posted - 12 May 2008 : 09:56:00
Phew.....there's always something for me to panic about!!!
It has been in my husbands name from the day we got it, insurance everything. When she started talking about it being over value at £1800 and buying back interest I got bamboozled!
I did tell her it was definately my husbands even if I do drive it some days.
I listed it on my SOA as a car I have access to not one I own.
So it's safe?? Phew!
Vicki x |
| melanie_giles |
Posted - 12 May 2008 : 09:34:14
If the car belongs to your husband, then it does not form part of the bankruptcy estate and the OR has not claim over it.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
| m and v |
Posted - 12 May 2008 : 08:21:25
Experts - what do you think about the car in my earlier entry?? Thanks
Vicki x |
| m and v |
Posted - 11 May 2008 : 17:45:18
Hi
I went to court on 18th April and my OR interview was 9th May.
Vicki x |
| Tess |
Posted - 11 May 2008 : 09:05:35
How long after your court date was OR interview. |
| m and v |
Posted - 11 May 2008 : 07:23:00
Hi
I should never have agreed to the IVA - I really should have gone BR from the outset - but when someone offers you a payment of £355 a month when you are trying to pay out twice that to creditors it seemed a lifeline. The payments then shot up to £579 once the creditors met and by then I was signed up and there was no escape. All my husbands outgoings were ignored and no matter what I did I couldn't get my IVA supervisor to review the payments - even when the CSA payments doubled shortly after the IVA started. Nightmare!
Anyway at least now I am getting sorted.
What do you think about the car? Its my husbands car I use and without it I can't get to work - do you think they will make him buy the interest back in it? Sorry was a bit bamboozled by this bit!
I would love to stay on the fourm and contribute where I can.
Thank you again for all your support
Vicki x |
| Reviva UK |
Posted - 10 May 2008 : 22:19:33
Well done for holding your own and dealing with this last bit in a dignified way.
Good that they seem to agree with the fact that you have insufficient disposable income for an IPA - but strange that your IVA company managed to calculate sufficient for a contribution.
Well done.
Now its over please don't leave the forum as it would be great to have your feedback.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
| m and v |
Posted - 10 May 2008 : 07:23:07
Hi all - well the phone call took an hour - with a very nice yet thorough examiner.
Went through everything on the form in detail and asked questions to establish the cause of my debt. Was hard to just answer the question asked and not waffle but I did it!
She quizzed me a lot about the car I drive - its my husbands (in his name and insurance) trying to see if it really was mine I think. Said it was very definately his. She mentioned the value being over £1500 too (its £1800) something about buying interest if necessary but she saw it was essential for me to get to work. I didn't list it as mine so a bit worried about that.
Other than that it was ok. She was very keen to know why IVA failed and the fact I had offered two lump sums that were declined.
Looks like I won't be getting an IPA - thats good news.
Will hear from them soon if they want anything clarifying and in a week or so once her report goes to my creditors and assistant receiver.
My head was buzzing last night - hope the news is good!
Vicki x |
| debtfreesusie67 |
Posted - 09 May 2008 : 15:36:43
hey Vicki Is there any news yet?
Sue |
| m and v |
Posted - 09 May 2008 : 14:08:24
Thanks all - I will pop back on the forum later. Thanks for all your support.
Vicki x |
| Joozee |
Posted - 09 May 2008 : 13:57:56
Best of luck this afternoon, let us know how it goes |
| storm |
Posted - 09 May 2008 : 10:05:10
Good luck Vicki.
treat it the same way as an interview for a job, think about your answer before jumping in.
Let us know how you get on |
| Skippy |
Posted - 09 May 2008 : 09:34:48
Good luck today Vicki. When I had my interview it wasn't as bad as I thought it was going to be x
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
