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totally lost
Junior Member
116 Posts |
 Posted - 05 June 2009 : 12:13:43
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Heloo out there and thank you all for helping.
Please could anyone tell me about their experience with forms and OR interview ?
1.
I am filling in the BR forms and after some research and great advise its appearantly best to keep it 'short and sweet'.
Agree??
2.
What in general do people write under the 'why did you get into debt etc'??
Long essays and life stories or just something short?
Answer:
3.
As I believe the OR goes through the forms and you confirm the answers...has anyone felt 'that underlying' pressure to elaborate more...? Or is it really pretty straight forward...?
Answer:
4.
Does the OR write to your landlord and ask for a copy of rent agreement etc....?
Answer:
Roll on 30 June and my court appointment
Thanks to all yet again and sorry for keep asking lots of questions.
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 05 June 2009 : 15:47:26
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Hi,
1. Yes.
2. This depends upon the reason. I put about half a page but don't know if it was even looked at as I had to explain the reason again during the OR interview. One thing worth putting in this section is that you have 'sought professional advice regarding your financial situation' and was either advised or decided to declare BR as this is a pre-requisite to declaring BR.
3. It's pretty straight forward. When you have the OR's interview they will be making notes as you speak so there will be times when nothing is said i.e. you have finished your answer and the OR is making notes so not saying anything. Some people feel the need to 'fill the silence' and elaborate, which can lead to more questions so it is better to wait for the OR to prompt for more information if they need to.
4. Yes, even though I said I could provide a copy of the agreement and bank statements to show that I had paid the rent for the last 12 months the OR said they would still have to contact the Landlord. If you think there may be problems with the Landlord it may be worth testing the water before hand or maybe looking for another rental and then move the day after you are BR. |
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totally lost
Junior Member
116 Posts |
Posted - 06 June 2009 : 14:32:02
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Hi 'gettingoutofdebt'.
I really appretiate your answers/help, thank you so very much!!
I am actually mostly nervous about the OR interview, but you are so right in that its best to just simply keep quiet if they are quiet.
I have already printed out bank statements for the last full five-six years showing the same amount taken out towards rent and the person I rent from is totally supportive of my BR decision.
Did your OR give you any hints about early discharge..or when to perhaps be discharged..?
And after your OR interview, how did/do you go about living...daft question I know,but do you have to regularily send in bank statements/receipts etc to show what you are up to??
(I dont spend ANY money anywhere apart from petrol and food to be honest)
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 06 June 2009 : 18:40:30
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Hi,
I was more nervous about the OR's interview than declaring BR as well but it was fine. It took about 1 hour and we just went through the SOA form including the I&E.
I had my interview 10 days after I was declared BR and hadn't received the 'OR's pack' asking for loan agreements, bank statements, etc. but the OR didn't seem concerned with this. Probably as they have 12 months to come back requesting any information from me.
The OR didn't say anything about ED and, to be honest, I am not too bothered about it. I accepted the fact that I will be BR for 12 months and anything less is a bonus.
Living after BR is a bit of a strange feeling. Not having any creditors is good but, for the first time in a few years, I don't have any money to fall back on. I always had a credit card that I could use if something went wrong and I needed a couple of hundred pounds quickly (car/house repairs, etc.) and I don't have that now. The first few months will be a learning curve and you will need to get into the habit of saving money each month to build up an emergency fund. Even if it is only £5 each month you should get into the habit of putting something aside each month.
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frosie90
Junior Member
285 Posts |
Posted - 06 June 2009 : 21:12:49
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I so agree with Gettingoutofdebt. Once BR you have to have a whole new view on life. I love the feeling that anything I buy is my own money now but equally frightened that I have to account for every single penny. Pre-Br it was so easy just to shove things on credit cards and think,no prob, pay it next month. Taking a while to get used to it but well worth it. My IPA is, almost to the penny, the difference between my mortgage and rental payments so it is like, financially, me still having my house but no debts but the longterm effects of that are obvious. Still think it small price to pay for my New Life. That is how, I feel, you should see it, "New Life". Good luck.
Rosie
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totally lost
Junior Member
116 Posts |
Posted - 08 June 2009 : 11:15:06
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quote:
Originally posted by gettingoutofdebt
Hi,
I was more nervous about the OR's interview than declaring BR as well but it was fine. It took about 1 hour and we just went through the SOA form including the I&E.
I had my interview 10 days after I was declared BR and hadn't received the 'OR's pack' asking for loan agreements, bank statements, etc. but the OR didn't seem concerned with this. Probably as they have 12 months to come back requesting any information from me.
The OR didn't say anything about ED and, to be honest, I am not too bothered about it. I accepted the fact that I will be BR for 12 months and anything less is a bonus.
Living after BR is a bit of a strange feeling. Not having any creditors is good but, for the first time in a few years, I don't have any money to fall back on. I always had a credit card that I could use if something went wrong and I needed a couple of hundred pounds quickly (car/house repairs, etc.) and I don't have that now. The first few months will be a learning curve and you will need to get into the habit of saving money each month to build up an emergency fund. Even if it is only £5 each month you should get into the habit of putting something aside each month.
Thank you so very much to all replies. Thank God for the help we give eachother here :)
In reply to your last paragraph...I HAD to smile...and how lovely to smile with such relief for once. You see...it should'nt be difficult for me to 'adjust'to life without credit as I haven't used credit since approx 2004. And life IS possible without credit.It takes a little getting used too and I am so incredibly lucky to have very understanding parents should I suddenly have unexpected bills etc.
Altough I extreemely rarely do have anything unexpected though as I have a weekly budget that I have stuck too since 2004.
I have figured out that lending my car to my other half on weekends if he worksis a great way to NOT spend money...as I cant go anywhere!! Hahaha :)
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Filling in BR forms
