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pix1
Average Member
689 Posts |
 Posted - 20 December 2008 : 09:17:55
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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.
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John
New Member
United Kingdom
73 Posts |
Posted - 20 December 2008 : 11:46:30
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Hi
forgive me if I sound patronising, but I would like to compliment you pix1 on the sound advice given above.
To Help007
I have left a post on another thread asking the same question, do you know when your next OR interview is likely to be?
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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pix1
Average Member
689 Posts |
Posted - 20 December 2008 : 17:16:32
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| John, you could never sound patronising and I bow to your expertise. |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 20 December 2008 : 17:30:37
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Pix
I too am mezmorised when reading your posts to people, your advice is always well received im sure - you are truly a credit (apologies for the wording) to the site
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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