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liney30
Junior Member
193 Posts |
 Posted - 24 July 2008 : 16:03:24
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Hello all
well just got off of the phone from the OR. Interview was not nearly as bad as i had imagined. i felt really sick all day, worrying about it. But it went ok.
They informed me they will not be taking my car - which is a huge relief.
They also stated there would be no ipa as my expenditure about matches my income. Now i was expecting them to go through my income with a fine toothcomb and knock some of it down. But they never mentioned each individual amount - just that income and expenditure matched. so i assume from this they just accepted all of it. so i thought i would post what i was allowed incase anyone was interested.
rent 333.00
housekeeping 250.00
gas, elect 80.00
water 30.00
telephone 55.00
travelling to and from work and other journeys 100.00
clothing 50.00
council tax 67.00
tv lic 12.00
car (insurance, tax and maintainence) 60.00
childcare 70.00
holiday 25.00
haircuts 15.00
dry cleaning 10.00
extra curriculum activities 18.00
opticians 10.00
pocket money 10.00
(1 adult and 1 child)
So i feel quite pleased. i now just have to sent off all of my statements etc.
He said i may get an BRO for the gambling but i expected i probably would.
All in all a very nice man!!! |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 24 July 2008 : 16:07:02
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Hi liney
Sounds like it was a good interview, and your expenditure looks ok, the extras don't come to more than £100 so they wouldn't have blinked.
What percentage of debt did you attribute your gambling to?
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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liney30
Junior Member
193 Posts |
Posted - 24 July 2008 : 16:17:07
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Hi Suzanne
i stated that probably about two thirds of debt was due to gambling, so about 12000-13000.
Just so glad it is over and hope no need for any further investigation. |
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Helpful Advice
Average Member
United Kingdom
646 Posts |
Posted - 24 July 2008 : 16:19:25
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Hi Liney,
Glad it went well for you, they are in most cases very helpful and compassionate towards your problems.
As Suzanne points out the extras they may have tried to exclude would total less than £100 so there is little point in them even mentioning these.
Kind Regards,
Brett England
Bankruptcy Specialist
England,Jackman & Spacey
WebSite www.ejands.co.uk
View my personal story & blogs at:
http://brettengland.blogs.bankruptcyhelp.org.uk/ |
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liney30
Junior Member
193 Posts |
Posted - 24 July 2008 : 16:23:36
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Thanks Brett
Just was expecting to be torn apart but it really wasn't like that at all. |
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Trolly-Dolly
Average Member
591 Posts |
Posted - 24 July 2008 : 21:20:49
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Glad it went well for you, makes me feel better. Do you mind me asking how much your car is worth? Mine needs some essential repairs and I'm not sure to carry these out incase I cant keep it.
You can read my blog here;
http://drowningmummy.blogs.iva.co.uk/ |
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liney30
Junior Member
193 Posts |
Posted - 24 July 2008 : 21:35:07
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Hi Drowning mummy
i estimated my car was worth £800 but explained that without it i could not get to work on time after dropping child to school and result in me losing job, which they said would be last thing they would want. |
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sueann
Junior Member
United Kingdom
300 Posts |
Posted - 11 August 2008 : 13:26:41
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quote:
Originally posted by Suzanne
Hi liney
Sounds like it was a good interview, and your expenditure looks ok, the extras don't come to more than £100 so they wouldn't have blinked.
What percentage of debt did you attribute your gambling to?
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
Can I just ask, what is classed as extra's? |
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Just had OR interview!
