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xmas baby
Average Member
537 Posts |
 Posted - 18 March 2009 : 15:22:58
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Hello,
I have just been speaking to the OR and I wondered if anybody else has had the same experiences as me. We have had a few telephone conversations in which she has gone over various things and I have provided information. She will be sending me some forms to fill out and return, together with credit card statements. Does this mean a longer telephone meeting will take place, or shall I assume our previous calls have sufficed and she has most of the information already to hand? She seemed happy with my I&E and couldn't see any problems with that. It looks like I will be able to keep my car for a nominal amount which a member of my family will buy for me, even though I don't use it for work and I spoke about my gambling debts in which she informed me might incur a BRU, although this cannot be certain until she has spoken with her colleague. The fact that I was addressing the problem and taking counselling on this would go in my favour. She hinted at between 2-3 years if they decide to give me a BRO. She also mentioned that I will possibly be expected to pay an IPO, which I was expecting anyway. All in all it hasn't been too traumatic (as yet) and nothing has happened that I wasn't expecting. Actually, the thought of explaining things to the OR was the thing I was least looking forward to, but she seems okay. Firm but fair and we even managed to raise a chuckle, although I don't know whether this was appropriate in the circumstances.
Will keep you updated on the outcome.
xmas baby
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starboy
Starting Member
35 Posts |
Posted - 18 March 2009 : 18:11:05
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| hi xmasbaby.just to ask what sort of things did there ask about your car |
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xmas baby
Average Member
537 Posts |
Posted - 19 March 2009 : 13:20:56
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Hi Starboy,
I had stated on my SOA that my car was probably worth around £500 at most and the OR said they wouldn't be interested in it as it would just be scrapped if they took it from me. The OR said someone could buy the car for me for a nominal amount and she suggested £100. I am hoping my mum will buy it for me and I will then pay for the running costs (which I also quoted on my SOA). The car is 12 years old, but it's really reliable and I really hoped they wouldn't take it away from me. I don't need it for work or anything essential, although I do use it to visit my mum regularly and help her with shopping. I don't think this would have been a good enough reason in itself if the car had been worth a lot of money, say more than £2000.
xmas baby |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 19 March 2009 : 15:03:14
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Hi xmas baby - glad everything went okay for you, bit concerned on one point though - you car - if the value is as you state £500 or whatever, it should be made 'exepmt' by the OR as it is way below the figure 'allowable' in bankruptcy - If she comes back to you with regard to paying a 'nominal amount' ask why, as i do not think this is necessary - if you are asked for it i would most certainly challenge the request and don't worry this will not affect the likelyhood of a BRU in any way shape or form, they are entirely seperate issues.
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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xmas baby
Average Member
537 Posts |
Posted - 19 March 2009 : 17:09:42
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Thanks Melanie. Not sure I want to query this with the OR to be honest. I don't want to upset the apple cart and make her angry as this might provoke her into being less lenient on my gambling issues and increase the length of the BRU. Obviously I would rather pay as little as possible in order to keep the car, but then again £100 is better than having no car at all. I'm just scared I could open a hornets nest if I start challenging the OR. I don't want to get on their wrong side. Does that make sense?
xmas baby |
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John
New Member
United Kingdom
73 Posts |
Posted - 19 March 2009 : 21:19:50
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Hi xb
even with the car being of low value I have to agree with you on this particularly as the car is not required for work purposes.
John White
England Jackman & Spacey |
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xmas baby
Average Member
537 Posts |
Posted - 20 March 2009 : 16:29:51
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Thanks Melanie and John. By the way, do you think it would be worth me trying to lower the price to £50 rather than the £100 suggested by the OR. The thing is my mum can hardly afford £100 to be honest and I feel terrible having to ask her anyway. At least £50 wouldn't be so much. Do you think the OR would think this cheeky and trying to barter or should I just accept the OR's offer and count my blessings that I have at least been allowed to keep the car?
xmas baby |
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memphisd56
Junior Member
United Kingdom
112 Posts |
Posted - 20 March 2009 : 16:39:27
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Hi, Just thought i`d throw my experiences in..
My O.R, asked why i needed my car, (it is only worth £750), and i said `Hospital attendance`....She asked `Is that a distance problem, or health?`...to which the obvious reply was `Health`!!...`Oh`, she said, `You can keep that then`!!!..
So, should we not be assuming that because the car is a cheapie....we`re goona get to keep it???.
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 20 March 2009 : 16:41:20
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I would xmas baby, and to be honest i still stand by my ealier comment and would challenge having to pay anything at all - it really is not going to affect your BRO in any way - it a worth a shot!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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Hello,I have just been speaking to the OR
