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| T O P I C R E V I E W |
| worried |
Posted - 12 January 2009 : 14:51:35
had my interview with OR today which went well.. he was such a nice young lad, very reassuring and calm.. made me a nice cuppa when i got there. Was only there for just over an hour and all the things i worried about he didn't even mention! he asked me alot about why i carried on using cards / loans etc when my earnings were getting less etc, and i just said i thought we would be able to pay them back in the future.
He makes up a report for you to sign and then sends it off up to london to be looked at. He said he thinks i will probably get BRU / BRO for "continuing to spend on cards etc with no reasonable means of paying it back" but he said it shouldn'e be a long bro/bru.
Just so relieved to get the interview out of the way - i cried at every question but only because i was so worried about it all. In the end his report made my bankruptcy sound very straightforward and factual.
The chap was so friendly though.. kept asking if i needed a break and had a big box of tissues which was great!!! he was even going to let my 2 year old come with me to the interview but luckily i got a childminder!
i spent most of the time looking out the window whilst he put my long and confusing answers into short factual statments on the report!
He says i will get BRO in post, but if i sign and return it voluntarily it becomes a BRU and might be less time added.
yipee! just pleased to have got all the interviews etc out of the way!  |
| 4 L A T E S T R E P L I E S (Newest First) |
| s4pps |
Posted - 12 January 2009 : 18:22:07
Glad it's over and done with and you had someone supportive and understanding. Onwards and upwards now :)
Suzanne x
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| worried |
Posted - 12 January 2009 : 17:59:57
hi - as far as i know a BRO (Bankruptcy Restriction Order) is placed on you if you appear to have been irresponsible in some way (in my case continued to use credit cards after i stopped working.)
You still get discharged after 12 months but then they place a restriction order on you which is pretty much the rules you are under whilst bankrupt (not obtaining credit over £500, etc).
Depending on the severity of your debts / spending etc they can last up to 15 years, but i am hoping mine will only be a couple of years.
a BRU (Bankruptcy Restriction Undertaking) is when they tell you you're getting a BRO but you agree to it straight away meaning you don't have to go to court (with a BRO you do go court). i think you just sign the papers and send them back.
This is how I understand it but i might not be 100% accurate!!! |
| megan17897 |
Posted - 12 January 2009 : 15:09:13
Thats great news im really please for you, but can you tell me what a BRO/BRU is please, i obviouslly havent done my research as well is i though i had.
Thanks Nic x |
| Needafriend |
Posted - 12 January 2009 : 15:01:21
Oh Worried
Thats great news another hurdle now well and truely out the way.
Now go and enjoy the rest of your debtfree life.
LOL as always your Needafriend
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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