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 Do I have to take anything with me
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leahk
Junior Member



117 Posts

Posted - 16 February 2009 :  22:49:44  Show Profile  Reply with Quote
Do I have to take anything with me for my first meeting with the OR which apparently is the same day as BR?

Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 16 February 2009 :  22:58:45  Show Profile  Reply with Quote
good oportunity to get rid of credit cards, cheque books and statements, mortgage statement, rental agreement, car details etc etc . It will just save you some postage later

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
http://www.revivauk.com

Real People ..... Real Debt Solutions
www.revivauk.com
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leahk
Junior Member



117 Posts

Posted - 16 February 2009 :  23:01:00  Show Profile  Reply with Quote
Thanks as always Paul - How far back do I need statements? and What if I can't find them all? I also can't find the MOT certificate for the car. (Which I'm still praying to keep).
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Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 16 February 2009 :  23:04:44  Show Profile  Reply with Quote
Hi

if you have 6 - 12 months of statements that is great. The OR is interested in your spending pattern ( i.e lavish lifestyle or shffling money to meet all the repayments plus have you purchased anything expensive on the cards over the last 12 months - TV, Holiday etc etc etc )

MOT cert is not a major problem

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
http://www.revivauk.com

Real People ..... Real Debt Solutions
www.revivauk.com
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leahk
Junior Member



117 Posts

Posted - 16 February 2009 :  23:09:30  Show Profile  Reply with Quote
Lavish lifestyle is not possible with 5 kids! lol.
Thought of something else - maintenance payments are not regular even though through CSA, I didn't list them as an income, but put them in section 13 along with a statement concerning rent and council tax being paid direct from HB. Is that ok?
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Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 16 February 2009 :  23:21:23  Show Profile  Reply with Quote
I am sure that if the OR is not sure they can ask and you can certainly bring it ti their attention.

Paul

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
http://www.revivauk.com

Real People ..... Real Debt Solutions
www.revivauk.com
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leahk
Junior Member



117 Posts

Posted - 16 February 2009 :  23:24:00  Show Profile  Reply with Quote
Thanks Paul, A star as always x
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coxy
New Member

United Kingdom
63 Posts

Posted - 17 February 2009 :  11:08:00  Show Profile  Reply with Quote
HI LEAH
Just wanted to wish you all the best for br and or meeting at least you will be saving the stress getting them both in on the same day.

Let us know how it goes.
good luck.
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ladylumps45
Starting Member



United Kingdom
25 Posts

Posted - 26 February 2009 :  07:03:13  Show Profile  Reply with Quote
hi, i noticed on this thread that you have to give in a rental agreement.do you get this back as we need it for benefits etc who ask to see it?
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leahk
Junior Member



117 Posts

Posted - 26 February 2009 :  07:31:42  Show Profile  Reply with Quote
I took it with me but my OR didn't even look at it!
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