hi went to court for my BR in aug 08, had telephone interview quickly and thought that would be it. just before christmas i got a letter to go for 3 hour interview. i am v worried about why they need to see me for so long and if there are going to be problems with my bakruptcy. my concerns are:
1 i had a small runaround car that broke down a few months before i was bankrupt. sold to my next door neighbour (2nd hand dealer) for £300 after garage told me head gasket, water pump and brake seized and would cost more than car worth. will this look dodgy to the OR?
2 i think i got some of the money to pay the BR fee on one of my cards or overdraft - i can''t remember if they asked me this in the telephone interview or not and will i get into trouble for this?
3 all of the money i had in debt (approx £40,000) was over the last few years of living expenses, consolidation loans etc, so i can''t remember exactly what the different cards etc were used on and when. We had a baby (unplanned) and my partner has also gone self employed in the last few years. He earns a reasonable wage now but on alot less due to me having baby too. Does it matter that i cannot tell them what it was all spent on other than living expenses??
4 Our expenses we filled out on the form look alot less than our previous credit card spending shows. By time i filled in the BR form we were finally being very careful with money whereas previously we weren''t really aware of the extent of my debt? will this get me into trouble?
finally i had a company car up until oct 07 which i then gave back to my emplyers when i bought my small runaround. The company have delayed in informing dvla about me no longer being the registered keeper until v recently. does this look dodgy too?
i v,v worried about what will happen. can i get a criminal conviction or go to prison - i have a little girl who is nearly 2 and it would destroy me to be apart from her? (now very upset!!) any advice appreciated.
I can appreciate your concern, but you have done nothing the OR hasn't seen hundreds of times before already. It is not uncommon for a follow-up face-to-face meeting where the OR requires clarification on a few points. From the information you have provided, it is clear that you have adequate explanatuions for your behaviour.
The worst case scenario would be a BRO which would keep you under the restrictions of BR for anything up to 15 years (although you'll still get discharged automatically after 12 months). You definitely won't go to prison!!!
Julian Donnelly Spokesperson for www.Bankruptcyhelp.org.uk Don't forget the helpline on 0800 078 9367
hi went to court for my BR in aug 08
Posted - 07 January 2009 : 11:03:42
