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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by pix1[/i] [br]Good morning, I have read your various posts and can sympathise with what you have experienced. As John says, there are other people professionally able to help you with the extraneous issues you have outlined. Of course, it is true that life experiences may contribute to financial mistakes. We all know that and not many people on this forum are bankrupt without at least being partly responsible themselves. I did advise you to write a letter to the OR (it should, preferably, have been addressed to the relevant case officer for your bankruptcy). This letter should have been neatly phrased to outline your situation and circumstances. I do think you could also write a letter, not exactly of complaint but just to register that you were a little bit unhappy about they way your examiner interview was conducted, that you were aware of the serious step bankuptcy is, that you felt it was the responsible step in your circumstances and that you are ready to cooperate fully in the process. You could say that you feel disappointed (a good word( that the examiner in your interview was a little unhelpful. Say that you see bankruptcy as a way to turn a new leaf and are positive that you can avoid similar problems in the future. Finish by emphasising that you are going to cooperate fully and courteously (a slight dig at the examiner there) in the process. Try such a letter and then leave it alone. The way the examiners work is that they have to pick up the pieces in these scenarios and act to ensure that the bankrupts estate is distributed between the creditors fairly - if there is anything to distribute. Unfortunately, they are not particularly interested in HOW people get into debt and that credit has become irresponsibly available especially in recent years (and now with the credit crunch all the banks are being bailed out and, no doubt, retaining their own pristeen credit ratings!). A knock on from this general collapse is that people like you and me and others on this forum are insolvent and it is not totally our own faults. To some extent we are pawns in a larger game. The OR can be sympathetic to a degree and I think you have been unlucky so far. It will hopefully improve and not everyone in that Maidstone office will be grim. So, one letter explaining your circumstances (which I believe you have sent) and one letter of mild rebuke addressed to the Official receiver) about the way the initial examiner interview went. Then take it ewasy and wait out the process. It may come out a lot better than now appears. Yes, bankruptcy is some kind of a failure but the important thing is to use it positively to clear the decks and move on. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.