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Andy.S
Junior Member
United Kingdom
183 Posts |
 Posted - 23 June 2008 : 21:52:16
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Hi there everyone.
Well, tomorrow morning at 9am my OR phone interview is due to happen, so I'm (understandably) a little apprehensive this evening, and don't imagine I'm going to be sleeping too well tonight!
Since my actual day at court when my petition was stamped (4th June), I've still been getting loads of phone calls and letters from my creditors - I'd have thought most of them would have got wind of my BR by now, but this doesn't appear to have been the case so far.
In fact, last week I phoned the OR and asked if they'd written to the creditors yet, and they told me that they only do this after the OR interview, but within 56 days of my BR. They did tell me they had written to my bank though (Lloyds TSB) back on 12th June, but so far they seem to have still not frozen my account, or even removed my overdraft facility!
What’s more Lloyds TSB have even taken themselves two payments out of my overdraft limit in respect of two of my credit card debts which are also with Lloyds TSB. I know I reached a stage in the past where I was robbing Peter to pay Paul, but they are doing it to themselves now which seems quite humorously ironic!
Still, there is no danger of me accessing the overdraft anyway, as my debit card was cut in half and returned to the OR last week along with all my credit cards (also cut in half) and a year's worth of bank and credit card statements, as they had requested.
I was a bit worried that my creditors weren’t yet aware of my BR though, so what I did do at the end of last week was write to each of my credit card creditors, and attach a copy of my BR order, in the hope that they will make a note that I am now BR, and stop pestering me. I’m not sure how effective this will be, but at least I felt I was doing something proactive. (I’ve so far always tried to avoid getting into any telephone conversations with them, and have not taken much notice of their letters telling me I may soon have a default applied to my credit file, as I know my credit rating will be shot to pieces anyway when the BR info has fully circulated!).
Anyway, I’m now spending the rest of my evening surrounded by all my bank/credit card statements again, and will have a re-read through my SOA in the hope that I’m as prepared as I can be for the dreaded early morning phone call.
Good luck to anyone else who’s got either their court date or interview coming up and I’ll let you all know how it goes as soon as a get a chance (though it might not be tomorrow as I’ve got to go straight to work afterwards, and am out again in the evening).
Best Wishes
Andy
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melanie_giles
Senior Member
1191 Posts |
Posted - 23 June 2008 : 22:28:30
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There's nothing to worry about. The examiner is just doing a 9 to 5 job like everyone else - they are not there to catch you our or tie you up into knots, are probably more interested in what they are going to have for dinner than digging around in your statement of affairs.
I don't mean to be blase about the interview, it is a very important part of the process, but as you went bankrupt for reasons which were important to you please don't let the whole thing fall out of perspective. Answer the questions truthfully, and the interview will soon be over - and don't forget to post and let us know how it all went! Good luck!
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 |
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Trolly-Dolly
Average Member
591 Posts |
Posted - 23 June 2008 : 23:01:08
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Yes good luck!
Is that quite normal to ask for a year of statements? If so I'll get onto my CC companies now and try to arrange this, bet I'll have to pay though!!!!! |
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Andy.S
Junior Member
United Kingdom
183 Posts |
Posted - 23 June 2008 : 23:27:48
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Thanks for your well wishes Melanie & drowning-mummy.
In answer to your question drowning-mummy, yes I think it's pretty standard for the OR to ask for a year's worth of statements. This was requested in some post I received from the OR last week, when they advised me of when my OR telephone interview was arranged for. In the same letter they also asked for all my credit & debit cards to be cut in half & returned to them too, along with three months worth of wage slips, and any used/unused cheque books. I guess though that not everyone could or would have a year's worth of statements to hand to send back, but I think in such circumstances that the OR can always get them from the banks/credit card companies themselves.
The same pack of info also asked for me to sign & get witnessed, and return an NTB2 form (which sets out my duties & responsibilities as an un-discharged bankrupt), and also a TNIDIS form (Tax & National Insurnace Disclosure), but these are very straightforward forms, and nothing to worry about completing.
Andy
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Ian Richards
Junior Member
United Kingdom
296 Posts |
Posted - 24 June 2008 : 07:18:57
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Good morning Andy, i hope that you are not to nervous this morning? As Melanie has said, it will be ok and the time will fly. My interview lasted 3 hours and was face to face, it still went quickly though!
Good luck later! |
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Andy.S
Junior Member
United Kingdom
183 Posts |
Posted - 24 June 2008 : 09:04:13
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| Good morning 'loads'. Thanks for the well wishes - I'm sitting here now just waiting for phone to ring! |
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debtfreesusie67
Junior Member
256 Posts |
Posted - 24 June 2008 : 09:04:45
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Hi Andy just think this is the end run. When the meeting is over with you will feel great believe me.
Hugs
Sue
The only way is up
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Andy.S
Junior Member
United Kingdom
183 Posts |
Posted - 24 June 2008 : 10:44:30
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Well that's the phone interview over and done with, and yes I do feel relieved that it's over! It wasn't half as bad as I thought it would be, and I think it also helped that the lass who interviewed me was one who I had already spoken to on a couple of occasions already when I've phoned the OR's office myself with questions. She was very nice, and very helpful too.
I was rather expecting a real indepth grilling about my past conduct and how certain debts arose, but it wasn't really like that. The main part of the interview consisted of her picking on several of my creditors to ask about when the creidt cards were taken out, what they were used for, what the credit limits & min payments were, and also asked how I'd intended to pay them back, but she wasn't in any way judgemental. She was also quite understanding of my personal situation too and how everything had got to me so badly that I was signed off from work in March with depression.
In fact, I'm now worrying about her not asking me enough questions & I'm wondering what conclusions she'll draw up in her report! (lol)
Ultimately, I know my situation arose through a mixture of life and work changes in circumstances, and my own doing, so I guess the worst that can happen will be a BRO/BRU that extends beyond my year of BR, but even that's not the end of the world! And maybe it won't be that bad? Who knows?!
I'll just keep providing whatever information they require when they need it, and keep my fingers crossed that everything continues to progress smoothly...
I think when you've accepted that BR is the best solution for yourself and have already been to court then that's the hardest part done, and the rest of the process just flows out from that like the ripples on a pond... (Oops I'm in danger of getting poetic now, so I'd better stop!)
Anyway, back to work for me, so I wish everyone a good day, and for all those who have their own interviews coming up...it really isn't anything to be too worried about!!
Best Wishes
Andy
x
p.s. I'll continue to keep you all updated with any developments... |
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Ian Richards
Junior Member
United Kingdom
296 Posts |
Posted - 24 June 2008 : 10:48:25
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| Well done Andy, see it wasnt that bad! |
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OR Interview tomorrow morning!
