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silkpaws
Starting Member
6 Posts |
 Posted - 23 September 2009 : 17:02:46
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I have an OR who I can only describe as a snake every time they want information they insult me with sutle remarks ie; just recentlty when going over paperwork they said Theres only four of you in your household I replied no theres five they then answered oh I forgot about you. I would have thought that was a bit thick as Im the one whose BR.THey never seem to get anything right.They even was rude enough to say that I was not living with my partner anymore I got some excuse about confusing him with the ex I have been divorced 12years from him.They sent the paperwork for the interest in the house addressed to him in my post she said she would contact him directly I would hardly call that direct.No wonder these departments lose our sensitive details sos much so for data protection!!!!
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 23 September 2009 : 18:34:33
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Are you saying that the OR is deliberately making these mistakes in order to insult you, that they are unprofessional, that they are incompetent or is the stress of the whole BR process getting to you?
If you feel that the OR is deliberately trying to insult you then you can find the complaints procedure on the following Insolvency Service page - http://www.insolvency.gov.uk/howtocomplain/complaininssip.htm
From my dealings with the OR they have been very courteous, polite and professional so maybe yours' is either new to the job or just so busy that they make mistakes. |
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kazy1
Junior Member
United Kingdom
120 Posts |
Posted - 24 September 2009 : 09:55:39
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Mine has been really nice until after xmas i recieved a letter telling me i had missed an interview and that i had to appear in court and see the or again.when i went for the interview he apologised as his assistant had sent the letter to my old address and thought it was strange i hadn't turned up as i had complied in the past but it had gone out of his hands so didn't have to go to court thank goodness .
it does sound like You have a real grump and i would complain they re not there to judge they are there to do a job to the best of there ability!! |
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Blackie
forum expert
United Kingdom
565 Posts |
Posted - 24 September 2009 : 10:06:07
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I have recently heard of certain members of The Insolvency Service not acting professionally. Whilst I am certainly not sticking up for OR's, you must remember that they are having to take on new staff at a rate of knots who may not be very confident or knowledgeable on bankruptcy matters. My advise is as above and complain. Certainly question any decision that they make.
John Blackadder
Director, Bankruptcy365 |
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debtinfo
forum expert
2826 Posts |
Posted - 24 September 2009 : 21:43:45
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| Hi, remember that the person you speak to is not the OR but usually an examiner. Like any organisation there are always going to be new people or just ones that are bad at their job. They will have superiors and The OR in the office will take complaints seriously as it reflects personally upon him/her |
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silkpaws
Starting Member
6 Posts |
Posted - 07 October 2009 : 17:24:47
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Thank you for your answers I am saying that the OR I have is incompetent at her job and that is she is not informing others who are dealing with the case properly as my partner has asked others what was meant by the comments made he got an apology and they said that she had misinformed them about my circumstances.On checking paperwork she first sent after interview it was signed offical examiner not what she introduced herself as as OR .She asked me for all details of accounts I was using which were promptly frozen and I could not get to what little money I had left and I then was left in a position where I had to ask her for access to my money as I could not get to work ..no petrol in car the accounts then were closed by the banks in where I had accounts so I was left with no access to any money..!!No where to pay it in either.Now she has informed my partner that they are looking at doing one of these payment plans but I have not been informed .They were quick to send a letter in the begining when I had a second car that was only worth £200 and needed repairing saying that my partner could make an offer for it?? The car went wrong and in the end it went to the great scrapyard in the sky.The car I drive presently is very old and lately in the garage every month I asked if I could get some money together for another car I did get a letter from this other one it said that I could get a car as long as it was not more than £2000 but how am I supposed to do this with her payment plan I can see me not being able to get to work as no car in the end and that will mean that I will lose my job.Talk about friendly ??? I find my intelligence being insulted every time I try to talk to them.I also have a company supposed to be representing me but they are just as bad I know there are lots of others beside me but when you have to pay to go BR you expect at very least that people do the job that they are paid to do without the comments and the lack of being kept informed ???Maybe I should complain but I do not want to be forced into signing a payment plan that I may not agree with or afford for three years also the fact that if you dont agree they can just take it out of you pay that will certainly put me out of a job as this then informs them why they are taking money out.I ask what happened to good old letters!!!via the good old postman?I had 20 years of abuse from my ex I dont need people insulting my inteligence or thinking that I am some neurotic woman.I want to get on with my life with my partner and family.
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RHB
Senior Member
1159 Posts |
Posted - 07 October 2009 : 18:25:30
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| From what you have written I fail to see what this person has done wrong, bank accounts ARE frozen when you go BR. I think of you have a gripe it should be at the Bankruptcy assist people who ave obviously failed to explain things fully to you. As you say, you are paying then for this service. |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 07 October 2009 : 18:33:57
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Regarding the OR you have three options:
1) Log an official complaint via http://www.insolvency.gov.uk/howtocomplain/complaininssip.htm
2) Mention your issues to the OR
3) Don't complain
quote:
Maybe I should complain but I do not want to be forced into signing a payment plan that I may not agree with or afford for three years also the fact that if you dont agree they can just take it out of you pay that will certainly put me out of a job as this then informs them why they are taking money out.
Is this an IPA (Income Payment Agreement)? If so then if you do not agree with the I&E figures then you should let the OR know. Another OR will then look at the figures and if you still can't come to an agreement it will go to a judge who will decide on the amount you should pay and an IPO (Income Payment Order) will be applied.
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I also have a company supposed to be representing me but they are just as bad I know there are lots of others beside me but when you have to pay to go BR you expect at very least that people do the job that they are paid to do without the comments and the lack of being kept informed
Who is this company? Most BR assistance companies will help you with declaring BR but once you have been to court and declared BR their job is finished.
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She asked me for all details of accounts I was using which were promptly frozen and I could not get to what little money I had left and I then was left in a position where I had to ask her for access to my money as I could not get to work ..no petrol in car the accounts then were closed by the banks in where I had accounts so I was left with no access to any money..!!
To be honest this is bad planning on the part of the company who were representing you.
Almost all bank accounts, maybe the Co-op are the exception, are frozen as soon as you are BR so you should have been advised to withdraw the money the day before you were BR. |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 07 October 2009 : 20:06:36
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Hi
which bankruptcy assistance company did you use and were they only to do the forms for court or have you asked them to support you through thewhole process until discharge.
As RHB and getting out of debt have said a lot of these companies only help up to a point. As the forum demonstrates getting the forms 100% and going to court is only a small part of the process and unless you get support throughout the year it probably isn;t worth spending money on the process.
Bank Accounts
Income Payment Agreements
Review of IPAQ
Attending OR interviews
moral support
NT tax code
planning for minimal exposure at work, family, landlord etc etc are all just part of the process but all after the forms are done.
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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silkpaws
Starting Member
6 Posts |
Posted - 08 October 2009 : 10:57:48
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The company is called Frazer & Frazer that said they would support me throughout the BR year, is everyone only interested in making a quick buck ?
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 08 October 2009 : 19:20:26
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It's not a firm I have heard of before. You must understand that the majority of BR assist firms are out for themselves. Not all, we have one who posts on here who has an excellent reputation.
I know it is hindsight, and not of much help, but if you had done it yourself, it would have been cheaper and less stressful.
The glimmer gets brighter all the time
Jan
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 08 October 2009 : 20:32:06
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If you want to run through the situation and clear up a few issues I would be happy to have a conversation to help you get back on track
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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Jane.l
Average Member
511 Posts |
Posted - 09 October 2009 : 08:27:38
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One thing that I learned from all this bankruptcy business and losing our house, is that the only person you can trust and rely on is YOURSELF
Everyone else is out to make a buck out of your misery, I researched the whole thing thoroughly and planned the bankruptcy so that we would not have the problem of frozen accounts, nowhere to live, etc |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 09 October 2009 : 11:38:14
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quote:
Originally posted by Jane.l
One thing that I learned from all this bankruptcy business and losing our house, is that the only person you can trust and rely on is YOURSELF
Everyone else is out to make a buck out of your misery, I researched the whole thing thoroughly and planned the bankruptcy so that we would not have the problem of frozen accounts, nowhere to live, etc
99% of BR assistance companies are definitely out looking for your money but those that post here (RevivaUK and Jones Giles) are very highly respected.
It looks like you made a bad decision with Frazer and Frazer but you should take up Paul's offer of a quick chat as he is extremely helpful and numerous people on this board have benefited from a quick chat with him. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 09 October 2009 : 16:59:32
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I agree. Reviva are a well respected firm and I met Paul last year and he is a very nice man.
He is not out to make a buck out of your misery - he gives advice free of charge and posts on here often to help posters out.
Jones Giles is also an excellent company.
The glimmer gets brighter all the time
Jan
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Jane.l
Average Member
511 Posts |
Posted - 10 October 2009 : 10:01:01
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I make no comment on those companies as I know nothing about them, you will have to forgive me being cynical as I know of a person who was "persuaded" by an expert on this very forum that it was vital that a letter was written to the OR on his behalf to enable him to keep his house, the cost of this letter? £3000! It is not even certain that this letter was even necessary. I do not know who this expert was so I am not going to name names but I know he either posts on here or used to in the past.
I think this is outrageous and taking advantage of desperate people. There is plenty of free help and advice out there without having to resort to paying that kind of amount for it. I just hope the OR claimed this money back from this company and used it either for his fees or for creditors.
Hearing this kind of story makes me trust no-one |
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Friendly ?
