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  • FIRST POST
    • Piggywinkle
    • By Piggywinkle 22nd Sep 16, 9:47 PM
    • 62Posts
    • 19Thanks
    Piggywinkle
    EEK - I've done it! *updated post OR interview 05.10.2016*
    • #1
    • 22nd Sep 16, 9:47 PM
    EEK - I've done it! *updated post OR interview 05.10.2016* 22nd Sep 16 at 9:47 PM
    You may see from my previous threads that I had a DRO revoked this month (September at the time of writing) due to an unsolicited PPI payout of just over 2k.

    I was advised to put aside the £680 for the BR fees as well as any 'essential expenditure.' This was the only positive for me as I desperately needed a new washer, iron, fridge freezer and vacuum! I also managed to get my MOT paid for (trust it to pass!) and also get myself and my daughter some much needed clothing. I have kept receipts for everything. Hope the OR is sympathetic. I've been on token payments and struggling financially since coming out of full time work in 2012 and my white goods were old and knackered even back then!

    After a lot of fretting and checking my online application about 3 million times, I pressed that big green button. I am so nervous Just thought it may be interesting to one or two people as it's not that common to find someone having to go BR after a DRO revocation and throwing a PPI payment into the mix I will follow up the thread whenever there's an update and if someone may need help and find themselves in a similar situation to me, then I can hopefully shine a light on whatever may be ahead.

    Thanks to the people who have given me some invaluable advice on here. I can also highly recommend StepChange who have been on my side since day one. I don't know what I would have done without them.


    -------------------


    Update Post #7 - 26.09.2016
    Update Post #12 - 29.09.2016
    Update Post #20 - 04.10.2016

    Update Post #24 - 05.10.2016
    Last edited by Piggywinkle; 05-10-2016 at 11:03 AM.
Page 2
    • worriedmamma
    • By worriedmamma 4th Oct 16, 2:00 PM
    • 147 Posts
    • 56 Thanks
    worriedmamma
    good luck, I didn't have anything to hand when I had my phone chat, so if there's anything else you need om sure they'll be patient and understanding. You seem prepared, I think you'll be surprised about the result tomorrow.

    my mum always says there's no point worrying about things you cannot change, so try to get some sleep and this time tomorrow you'll feel so much better I'm sure.
    • NotEvanAPot
    • By NotEvanAPot 4th Oct 16, 6:13 PM
    • 216 Posts
    • 122 Thanks
    NotEvanAPot
    Am sure interview has happened by now, but don't be expecting a BRO/U to be discussed much during initial interview, they have 11 months to get it in place and rarely do it quicker than 3 months from BR date.
    • owlet
    • By owlet 4th Oct 16, 11:42 PM
    • 1,476 Posts
    • 1,358 Thanks
    owlet
    Just to say good luck for tomorrow & echo what Tigerfeet and others have said about spending the money.

    You weren't BR at the time so it wasn't an asset - you might not have gone through with the BR . .....

    Explain what you bought & the age andcondition of the items you replaced . Presuming you didn't go for top of the range purchases.... tell the OR that too & make sure you are very clear that Stepchange gave you the ok too.

    Hope it goes ok for you x
    SPC 8 (2015) #485 TOTAL: £334.65
    SPC 9 (2016) #485 TOTAL £84
    SPC 10 (2017) # 485
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 11:02 AM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    Well, the interview has just finished. I tried so hard not to cry but I still bloody did - feel so silly.

    My worries about the PPI spends were justified. The OR was really not happy with the fact that I'd spent the money and has asked for all of the receipts to be sent to her. She told me that StepChange shouldn't have told me to spend the money and that she will look at the receipts when she receives them and see if she considers the spends reasonable in the circumstances, if not then an investigation may be launched in light of possibly giving me a BRO. This is exactly what I was worried about

    She asked me about my car, why I needed it, how long it took me to get to work and how long it took me to get to my daughter's school to pick her up (I finish at 3pm, my daughter finishes at 3.15pm). I explained that there would be no way I would be able to reach my daughter in time using public transport and that my car was only worth £300 on Parkers and she seemed satisfied with that.

    She was not interested in seeing proof of my partner's income or his bank account as she said that my wage (c. £445 per month) dictated that any contribution would be a fair one.

    I am going to get my information together now (wage slips, bank account details), as well as my receipt copies and send them off to the OR today, recorded delivery. I think I'm going to leave it for a fortnight and - if I don't hear anything - I will email the OR office to find out if everything was okay. Otherwise I'm going to continue worrying about getting a BRO.

    Christ, it's like it never ends. Thank you all so much for your help thus far
    Last edited by Piggywinkle; 05-10-2016 at 11:07 AM.
    • worriedmamma
    • By worriedmamma 5th Oct 16, 11:28 AM
    • 147 Posts
    • 56 Thanks
    worriedmamma
    Oh, I'm sorry your fears were not stopped with regard to the BRO/U. That's rubbish. However I'm sure when they look into your purchases and the amounts alongside the fact that you were advised it'd be OK to spend it, you may still escape it. Fingers crossed.

    I'm glad the chat is over and that hopefully you can be a tiny bit more relaxed now.

    Glad the car issue is sorted, that's one thing to not worry about at least!

    I haven't been asked to send any bank statements etc... I'm 3 weeks since my application was accepted. Will this be because my income is solely benefits?
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 11:47 AM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    Oh, I'm sorry your fears were not stopped with regard to the BRO/U. That's rubbish. However I'm sure when they look into your purchases and the amounts alongside the fact that you were advised it'd be OK to spend it, you may still escape it. Fingers crossed.

    I'm glad the chat is over and that hopefully you can be a tiny bit more relaxed now.

    Glad the car issue is sorted, that's one thing to not worry about at least!

    I haven't been asked to send any bank statements etc... I'm 3 weeks since my application was accepted. Will this be because my income is solely benefits?
    Originally posted by worriedmamma
    I don't think they can ask anyone who's income is solely benefits to pay anything into an IPA - maybe that's something to do with it? I also remember you said that your husband's money was paid into your account so maybe it's not much use to them as it's not a true reflection of your sole income? Not sure, I've no doubt someone else on here knows better than me!
    • adyj73
    • By adyj73 5th Oct 16, 1:50 PM
    • 124 Posts
    • 41 Thanks
    adyj73
    Its a truly stressful time and I hope you get through this

    Just a couple of points and I hope you don't feel I'm being negative

    If your husband is so private why are your wages going into his private bank account? Would it not be better to have some control yourself with your wages going into your own account?

    With regards to the new items - fridge, washing machine, hoover etc - Why did you have to buy all these things? Surely your husband would be equally liable to replace household items so on that note I'm not surprised the OR is a little annoyed you spent your PPI on them rather than paying off some of your debts. At the very least would he not have paid half towards the new items leaving you more windfall?

    Like I say I hope you don't feel I'm having a go but these things jumped out at me from an independent observer position
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 2:04 PM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    Its a truly stressful time and I hope you get through this

    Just a couple of points and I hope you don't feel I'm being negative

    If your husband is so private why are your wages going into his private bank account? Would it not be better to have some control yourself with your wages going into your own account?

    With regards to the new items - fridge, washing machine, hoover etc - Why did you have to buy all these things? Surely your husband would be equally liable to replace household items so on that note I'm not surprised the OR is a little annoyed you spent your PPI on them rather than paying off some of your debts. At the very least would he not have paid half towards the new items leaving you more windfall?

    Like I say I hope you don't feel I'm having a go but these things jumped out at me from an independent observer position
    Originally posted by adyj73
    I don't mind answering genuine questions Regarding my wages going into his account, when my credit rating took a nose dive back in 2012 when my debt problems started, I had my name taken off our joint account. The account remained in his name, with all of our monthly DDs set up to go out of that account. That hasn't changed. It's easier for me to have my wages paid into there so that we have all of our DDs covered. My husband gets paid weekly and I get paid monthly. With my wages going in at the end of the month and the majority of our DDs coming out on or around the 1st, this just seemed to make sense. My husband isn't bothered about me knowing the details to his accounts, he just didn't like the idea of the OR wanting to look at his accounts as he felt it was unjustified. I see I've probably painted him in a worse light than was deserved in my previous posts.

    With the white goods I bought, we simply live month to month and never have any extra to save up for anything else. The items I replaced were super old and my washer had been fixed a few times in the preceding 12 months, I had to have money off my own mother for that. The shame was awful but I can't go without a washing machine. Unfortunately, we'd not been in a position to replace these things since before my daughter was born in 2011. My vaccum cleaner was purchased in 2002 Hubs isn't on a fantastic wage and is paying back a CC himself as we had to practically live on credit for a year after my maternity pay ended. I've not gone for top of the range stuff - just stuff that can help me out. Having an iron that isn't held together with duct tape is actually quite nice

    Hope that answers some of your questions
    • adyj73
    • By adyj73 5th Oct 16, 2:36 PM
    • 124 Posts
    • 41 Thanks
    adyj73
    to be honest I wasn't really expecting a reply. I was just making observations as an outsider as I can kinda see what the OR is getting at in terms of the PPI spend

    Anyway I think as long as you are honest with the OR that is all you can do. I don't worry about stuff like this anymore as you can only do what you can do and once you have done it its done

    All the best for the future

    Edit - I feel your pain - I had to buy a new washing machine and fridge freezer in last 4 weeks so my CC has taken a hit
    Last edited by adyj73; 05-10-2016 at 2:37 PM. Reason: Added wording
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 2:59 PM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    to be honest I wasn't really expecting a reply. I was just making observations as an outsider as I can kinda see what the OR is getting at in terms of the PPI spend

    Anyway I think as long as you are honest with the OR that is all you can do. I don't worry about stuff like this anymore as you can only do what you can do and once you have done it its done

    All the best for the future

    Edit - I feel your pain - I had to buy a new washing machine and fridge freezer in last 4 weeks so my CC has taken a hit
    Originally posted by adyj73
    Thank you I don't mind making everything a bit clearer, we sometimes take knowledge for granted ourselves and can only see it from our point of view so it helps me think about it too.
    • tigerfeet2006
    • By tigerfeet2006 5th Oct 16, 3:15 PM
    • 13,722 Posts
    • 29,796 Thanks
    tigerfeet2006
    If she even tries to give you a BRU then don't except it. YOU DID NOTHING WRONG.

    If she even dares then there are people here who will help you fight it. To be honest it won't affect you much if you do get one. You'll just have to declare the BR if you want credit over £500 for the duration. It's the damn principle of it.
    BSCno.87
    The only stupid question is an unasked one
    I now live in a country that is 4 hours ahead of the UK so you may now find I post at weird times
    [/COLOR][/CENTER]
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 6:22 PM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    If she even tries to give you a BRU then don't except it. YOU DID NOTHING WRONG.

    If she even dares then there are people here who will help you fight it. To be honest it won't affect you much if you do get one. You'll just have to declare the BR if you want credit over £500 for the duration. It's the damn principle of it.
    Originally posted by tigerfeet2006
    I need you in my corner Tiger, it sounds like you'd wipe the floor with them
    • alltaken
    • By alltaken 5th Oct 16, 7:18 PM
    • 337 Posts
    • 181 Thanks
    alltaken
    Over zealous OR piggywinkle, fear not, tigerfeet and DD have seen them before and they all have a similar theme - nothing happens.

    Mine tried telling me that a high court writ was not included, turned out to be absolute, ahem, !!!!!. Some OR's seem to sense upset and go for maximum fear.
    • Piggywinkle
    • By Piggywinkle 5th Oct 16, 9:23 PM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    Over zealous OR piggywinkle, fear not, tigerfeet and DD have seen them before and they all have a similar theme - nothing happens.

    Mine tried telling me that a high court writ was not included, turned out to be absolute, ahem, !!!!!. Some OR's seem to sense upset and go for maximum fear.
    Originally posted by alltaken
    They didn't have to try very hard to sense my upset. I'm a big baby!
    • doorstep54
    • By doorstep54 6th Oct 16, 5:43 PM
    • 17 Posts
    • 6 Thanks
    doorstep54
    I know just how you feeling piggwinkle I feeling same so stressed out can't sleep or even eat lost so much weight with all the worrying, feel like the OR owns me don't feel like am my own person any more
    • Piggywinkle
    • By Piggywinkle 10th Oct 16, 11:20 AM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    I know just how you feeling piggwinkle I feeling same so stressed out can't sleep or even eat lost so much weight with all the worrying, feel like the OR owns me don't feel like am my own person any more
    Originally posted by doorstep54


    It's a crappy old time alright! The advice and support I've got from these boards has been flippin' brilliant. If you need some kind and knowledgeable words on your situation, then posting a thread may help x
    • worriedmamma
    • By worriedmamma 10th Oct 16, 3:37 PM
    • 147 Posts
    • 56 Thanks
    worriedmamma
    How are you feeling now Piggywinkle? Any better? I hope you are slightly more relaxed....
    • Piggywinkle
    • By Piggywinkle 13th Oct 16, 1:12 PM
    • 62 Posts
    • 19 Thanks
    Piggywinkle
    How are you feeling now Piggywinkle? Any better? I hope you are slightly more relaxed....
    Originally posted by worriedmamma


    Thanks for thinking of me


    I'd like to say yes, but the combination of my meds kicking in (the first month is the worst ) and having a poorly 5 year old force me to say otherwise! As for BR, I don't think I'll be able to relax until I give them a call next week to see if everything I sent was in order and ok (reading between the lines, am I getting a BRO?!) I'm giving them a fortnight from my phone interview so I can *hopefully* start to relax then.


    I'm just naturally tightly wound unfortunately. It's my husband I feel sorry for
    • worriedmamma
    • By worriedmamma 13th Oct 16, 4:22 PM
    • 147 Posts
    • 56 Thanks
    worriedmamma
    Don't be silly, everybody is different. Hope the meds help soon and your 5 year old is well again soon. I hope once you speak to the OR with regard to the BRU/O you feel a bit more settled.
    • KeepOnKnitting
    • By KeepOnKnitting 14th Oct 16, 10:00 AM
    • 88 Posts
    • 110 Thanks
    KeepOnKnitting
    I just wanted to add to the discussion. The worst really is over now Piggywinkle. Even if you do get a BRU, it's really not a big deal. You won't have debt collectors pushing you, the OR is not allowed to take more than you can afford in payments, everyone has to behave according to a strict set of rules.

    I'm not saying that bankruptcy is all sunshine and roses, but in comparison to the stress of really bad debt it can almost feel like it.
    On a yarn diet, knitting my stash in a year of tight budgeting.
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