News

darkdays · 10-11-2009, 7:58 PM

Hi all,

I was declared on the 19th of October.....

Had an F2F scheduled on Monday (9th) but have swine flu!!!!! On top of all the stress....

I tried ringing the local centre but had an answer machine saying they opened at 09:00 the call was at 09:15 and nobody answered.

Needless to say I am in such a physical state I didn't go....hmmm maybe I should have gone and shared the flu? lol (Should I get a doctors paper backing this up?)

Anyway.......I had a very stroppy letter (first class) from them today (10th) saying if I do not attend the next one on the 24th they will have me examined publicly in court......

To be very honest I have battled to get myself out of this situation for two years now (Was self employed - had a recruitment agency and setup a factoring agreement without any invoice insurance.....given very bad advice and the clients decided I had broken the t's and c's so they wouldn't pay up, as I was the guarantee it meant they chased me for £24k I managed to get it down to £12k but then the recession blah, blah, blah you know the rest lol)

I am getting a bit fedup of it all now and just want it over with and having read through this thread it seems they have called me as I was self employed.

What my question is......Do you have to declare absolutely everything to the or? What are they able to find out or not as the case maybe? Does anyone know?

Don't get me wrong I have nothing to offer them...I have gone back to University to do a PGCE and only have £700 bursary a month (although I am sure they will want some of that?)

Thanks
DD

MicheH · 10-11-2009, 8:04 PM

What ever the OR asks you you have to answer, they can find anything out they like.. I guess they'll follow a paper trail to kingdom come if the suss a rat. Just be honest, it might be uncomfrtable but you have nothing to hide, infact my blundering, nearly whimpering cry of a voice helped me to come across as honest and human.

Susie54 · 10-11-2009, 8:09 PM

Hey Broke, Here's thinking of you tomorrow and really hope it goes smoothly

Let us know??
Susie x

dalip · 10-11-2009, 8:11 PM

Quote:

Originally Posted by Susie54

Hey Broke, Here's thinking of you tomorrow and really hope it goes smoothly

Let us know??
Susie x

Thanks susie..i thought it was today

.lol

good luck from me too broke.XXXXX

MicheH · 10-11-2009, 8:13 PM

Hope to see you post back tomorrow how you survived and what were you ever worried about. Here's to running smoothly.. and not to the loo (oh I am sorry!)

creditpunch · 10-11-2009, 8:13 PM

All the best Broke !!!

BROKEBUT4HOPE · 10-11-2009, 10:57 PM

Ahh Thanks everyone- why is it that every time i read these supportive, encouraging posts i have a big fat lump in my throat.
If anything atleast I have got to meet some great people here!

Thanks so much i will keep you all posted
x

BROKEBUT4HOPE · 11-11-2009, 6:49 PM

Hi all.

Just to let you know that I survived my F2F today and thank you so much for all your support and help.

The interview went pretty fast and the major question were really to explain how i got into debt, explain the largest creditors and to discuss that I may lose my property.It all ended in about an hour.

So thanks guys you were all pretty spot on with the type of questions i could face.

After the interview, the OR did call me to ask me for credit agreements on the loans and I am a bit worried as I dont think I have them. Not sure if this is procure as the OR did end the meeting saying that she had all the info needed. So why would she ask me for these?

I guess i am just being pessimistic and I guess i just want this ordeal to finally end instead of haunting me.

But thank you all again and I hope one day I will come out better so I can be in a position to support and help rather than be the person always worring and asking the questions!

peachyprice · 11-11-2009, 6:56 PM

Glad it wasn't too bad for you.

Wanting loan agreements is standard, she probably just forgot to ask during the interview. Don't worry if you haven't got them they'll be able to get them from your creditors.

HTH

MicheH · 11-11-2009, 7:01 PM

I'm pleased you got through it, didn't we tell you

All over and done with now, you can relax and have a good night sleep!

Three Clicks · 11-11-2009, 7:06 PM

They often phone (I asked for emails instead - which our OR was more then happy to do!) and ask for the odd bank statements etc etc.

You will get used to it...

The thing I HATE is when a letter arrives on a Sat' morning and you worry about it ALL weekend!!! (Thats why I asked for emails, as when they send them they are mostly still in their office)...

BROKEBUT4HOPE · 11-11-2009, 7:20 PM

Thats a good point/tip threeclicks.
I am still worried after the phonecall- so i can imagine the pro-longed worry on the weekend.

Three Clicks · 11-11-2009, 7:26 PM

Quote:

Originally Posted by BROKEBUT4HOPE

Thats a good point/tip threeclicks.
I am still worried after the phonecall- so i can imagine the pro-longed worry on the weekend.

Tape up your letterbox on a Friday ~~~ That way you wont get the post untill Monday...

Seriously; Don't worry about it, by the time we received the 2nd letter on a Sat' we where ready for it! Thats why I made my "complaint" and got them to send emails...

MicheH · 11-11-2009, 7:35 PM

Hi broke. I guess every bodies experience of the OR is different. The only contact we had from them after the interview was a letter to say car was exempt, a letter requesting my finances from self employment, a request to DH regarding his nil tax code and that's been it other than a letter this week telling us we've been passed to RTLU. All painless, just getting the bits and pieces from you they want. I don't dread letters from the OR's office at all.

dollparts · 11-11-2009, 7:39 PM

Broke, as others have said asking for credit agreements is standard along with bank statements and the like. It's so they can establish when accounts were opened and on what T&Cs etc etc.

Glad it wasn't too painful, I thought I was going to be burned at the stake but my OR was most compassionate and even wished me all the best for the future!

DP

Susie54 · 12-11-2009, 9:34 AM

Quote:

Originally Posted by BROKEBUT4HOPE

Hi all.

Just to let you know that I survived my F2F today and thank you so much for all your support and help.

The interview went pretty fast and the major question were really to explain how i got into debt, explain the largest creditors and to discuss that I may lose my property.It all ended in about an hour.

So thanks guys you were all pretty spot on with the type of questions i could face.

After the interview, the OR did call me to ask me for credit agreements on the loans and I am a bit worried as I dont think I have them. Not sure if this is procure as the OR did end the meeting saying that she had all the info needed. So why would she ask me for these?

I guess i am just being pessimistic and I guess i just want this ordeal to finally end instead of haunting me.

But thank you all again and I hope one day I will come out better so I can be in a position to support and help rather than be the person always worring and asking the questions!

Excellent, glad it wasn't as bad as you feared. I am getting so much reassurance from these boards...

S x

thegoodlife · 12-11-2009, 11:29 AM

Glad it is over for you one less hurdle to worry about, it is nice to get it over with.

dojoman · 12-11-2009, 2:56 PM

Well done, glad that the F2F was not too bad for you, hope everything goes smoothly for you from now on. I think we will have to have a F2F as my wife is deaf, (wears 2 hearing aids but struggles on the phone) and to be honest I think I would prefer that myself, as they can see who they are dealing with as well as us being able to see them. (if that makes sense)

MicheH · 12-11-2009, 3:07 PM

It makes perfect sense dojoman

The anguish I went through waiting for that phone to ring was unbearable. I think it doesn't matter which kind of interview you have to have, the worry while you wait is unreal but that is going to happen which ever way you have to go, maybe f2f makes you think you've got more to worry about. All I can say is when it's time to talk and get through the interview the worry/nervousness stops and concentration takes over - the interview flies over.