Hello everyone,[:)]
Well we had our interview with the Official Receiver yesterday,we were informed by letter around four days before the actual interview date that it would be by telephone.
The OR phoned precisely at the given time,introduced herself and asked me how I was.All very pleasant,though businesslike too.
I had my Statement of Affairs infront of me (read this before your call as it will help you with what is to follow) and the OR went through some basic details such as address etc.She then proceeded to talk about our house and the secured lending upon it,it was at this point that I made it clear that we had found somewhere else to live (rented) and what the cost would be.I asked her if she had any objection to us moving out of our current property as soon as we get the keys to the new rented house.She had no objection and said it was fine.I also mentioned that we had not payed our last mortgage payment but this went towards the bond for the new house.She was fine with this too.
Then the OR asked me a few details about work history.I just gave her information on my last two jobs,such as salary,overtime etc
We then moved onto our vehicle.Our car is worth £1800.She asked what it was used for and if it was necessary.I explained it's used for me to get to work and to take the kids to school.She asked wether it was possible for me to use public transport.I said no not really practical as my work hours vary and I also need to carry tools etc to work.I also explained there was no way I was going to put 14yr old girl onto public transport to get to school (because the new rented house is 6 miles away from school).She then said she has no interest in the car and will put this into writing very shortly.As you can imagine I was very pleased at this point [:)]
After further questions,just basic stuff,all very straightforward we then moved onto the reasons for debt [:o)][:I]
The OR did not go through every single debt and the reasons for it.Instead,I just told the story of how our debt spiralled out of control from where it all started and how we have tried to deal with it.I expected some tough questioning here but I just tried to explain our situation best I could.She seemed happy with my explanation.
We moved onto the income/expenditure bit but as we are going to move house and are not sure of the exact outgoings it couldn't really be completed.So,the OR said move house,settle in,and I'll send you another inc/exp form to complete.All very amicable.
At the end of the interview I had the opportunity to ask any questions,I did ask a fair few but she didn't seem to to mind at all and indeed answered them and put my mind at ease.She asked me if there was anything else I felt I needed to add to my Statement,there wasn't really as I thought I'd pretty much covered everything.I thanked here for her time and she then asked to speak to my wife.
The OR went through the same things with my wife really and the interview was concluded.The whole process took no longer than forty minutes for the two of us.At all times,the OR was polite,well-mannered but business-like at the same time.If you have your OR interview to come,try not to worry to much,it certainly wasn't as bad as I was expecting.[:)]
And just a quick note about any shortfalls,secured or unsecured.The OR confirmed that any shortfalls will go in the bankruptcy.All of them.She was quite adamant about this.Though she did say that we would get nasty letters off creditors,particuarly secured creditors until everything is resolved.The letters when they arrive will be forwarded to the OR's office.
So,interview over.Now we have to concentrate on moving house next week.We are all looking forward to it.
Regards
NSBS
[;)]
You've got to know when to hold 'em,know when to fold 'em,know when to walk away,know when to run.....
