- Mon Jun 20, 2005 10:23 pm
#8426
Hi all. Some of you will remember that I petitioned on Friday and when I got in touch with the OR Friday afternoon they told me they'd give me a ring on Monday. I just assumed that it would a phone call to arrange for the real interview, but when the phone rang today it was the OR, who said he wanted to speak to me and go through my SOA with me.
The OR was VERY nice and understanding. At no point did he make me feel uncomfortable or ashamed about my situation. He asked me about my business account and checked with me the bank accounts, credit cards and loans details on the SOA.
He said I can keep my computer as I need it for my business. He then asked me about how I got into debts in the first place. I told him the truth and said that at first it was just a small loan of £500, then gradually it got worse and worse, and I borrowed more to pay off the smaller loans and to have a bit of cash left over. The pattern repeated itself a few times until I lost my job recently and can no longer carry on down this route anymore. He was fine and very sympathetic about that.
He then asked me why I decided to go bankrupt. Again I told him the truth, that I can no longer rob Peter to pay Paul and, with a new baby, my perspectives have changed and I really want to start a new life with no debts. He said he could understand that.
Some of you may remember that in another post I mentioned that the thing I worried the most was that I would be deemed to have a beneficial interest in my partner's house. Well, the OR didn't ask anything about the house, except to ask me how long I've lived that. So all my worries were for nothing.
So that's it. 20 minutes later he told me that unless he has further queries for me I won't hear from him again. That he would send me the report in the post and I am to sign it and return it to him, together with my credit cards cut in half.
I can't believe that's it. In a way it was good that I wasn't expecting the real interview today, because otherwise I may have spend the days before worrying sick about it. As things turned out, the OR couldn't have been a nicer man. At the end of the phone call, I thanked him for being so kind and he was very pleased that I said that. He had made things so easy for me that I really wanted to thank him from the bottom of my heart.
And finally, thanks everybody in this forum for being so supportive. My new debt-free life starts today. Hooray!
The OR was VERY nice and understanding. At no point did he make me feel uncomfortable or ashamed about my situation. He asked me about my business account and checked with me the bank accounts, credit cards and loans details on the SOA.
He said I can keep my computer as I need it for my business. He then asked me about how I got into debts in the first place. I told him the truth and said that at first it was just a small loan of £500, then gradually it got worse and worse, and I borrowed more to pay off the smaller loans and to have a bit of cash left over. The pattern repeated itself a few times until I lost my job recently and can no longer carry on down this route anymore. He was fine and very sympathetic about that.
He then asked me why I decided to go bankrupt. Again I told him the truth, that I can no longer rob Peter to pay Paul and, with a new baby, my perspectives have changed and I really want to start a new life with no debts. He said he could understand that.
Some of you may remember that in another post I mentioned that the thing I worried the most was that I would be deemed to have a beneficial interest in my partner's house. Well, the OR didn't ask anything about the house, except to ask me how long I've lived that. So all my worries were for nothing.
So that's it. 20 minutes later he told me that unless he has further queries for me I won't hear from him again. That he would send me the report in the post and I am to sign it and return it to him, together with my credit cards cut in half.
I can't believe that's it. In a way it was good that I wasn't expecting the real interview today, because otherwise I may have spend the days before worrying sick about it. As things turned out, the OR couldn't have been a nicer man. At the end of the phone call, I thanked him for being so kind and he was very pleased that I said that. He had made things so easy for me that I really wanted to thank him from the bottom of my heart.
And finally, thanks everybody in this forum for being so supportive. My new debt-free life starts today. Hooray!
