Edit - Had OR Interview Thurs at 9am

Summer1969

Very true, though to be fair, I couldn't give him any names or dates or amounts of the remortgaging so that didn't give him a lot to go on.

Anyway, just spoke to OH and he had a good idea..mmm..last good idea of his was for just me to go BR...:think:..:D...and he reminded me that I had a credit report not long ago so I looked at it, and it told me the mortgage company names and the dates, but no account numbers unfortunately, but at least that gives me something to go on and I can request from Halifax the certain months I need from the Bank Statements to show when the remortgage money came in and where it went out to. Namely, that it didn't go to OH, which it didn't.

dalip

Well done summer you are getting there. Just try not to panic.:D

Summer1969

dalip wrote: »

Well done summer you are getting there. Just try not to panic.:D

Can't help it at the mo, you're always so calm, are you are on valium, if so, can I have some? :D

Summer1969

Halifax wouldn't let me order any bank statements over the phone as my account is now suspended and its £5 so I can't pay them...ooops. So I have had to make an appointment to see someone on Tuesday, to get bank statements and also remortgage details from them. Thought I had seen the last of Halifax but I now have to go back into their branch, hope someone doesn't ring a large bell when I get in there. :rotfl:

shadowdragon

rings bell and walks around the bank chanting "Unclean, Unclean" LOLOL

Summer1969

shadowdragon wrote: »

rings bell and walks around the bank chanting "Unclean, Unclean" LOLOL

They are the ones I owed the most to! :eek: Last thing I thought I would be doing is to voluntarily make an appointment and go in there. I must be a sadist. :rotfl: They had better not lecture me or give me grief...OH is coming with me for moral support just in case. I'm a coward. :D

shadowdragon

Nah they wont, it would be unprofessional and if they did you could always complain

MABLE

Summer1969 wrote: »

That was the most horrendous thing ever. I'm not going to sugercoat it. Lasted an hour. He was ok but I just wasn't prepared for him going through everything with a fine toothed comb. I felt such a fool, trying to think of reasons why I had got that loan, why I had spent that, why I went on holiday last year.....he kept pressing me for reasons and I just wanted the floor to swallow up.

I need advice here. When he kept asking me why did I get that loan out and why did I re-mortgage more than once, I felt so foolish that I said I had paid some loans off for OH (well I did pay 2 smallish ones off for him because the interest rates were so high), but I said that a lot of the debts were to help him because I thought it made me look bad that I had been so irresponsible. But he then said, well anything you have paid off for your OH, he needs to pay back! I felt sick. 'What do you mean? What if he can't?', 'well if he can't, he can't, but he is earning so he will be expected to.' I then realised that I shouldn't have said that and just admitted that those loans and remortgaging were just for debt consolidation, me not managing etc....and not to pay off something for OH. He kept asking me how many times I re-mortgaged, why I re-mortgaged, how much it was, what it was for...and I couldn't remember and kept saying, probably debts and helping OH.... so I now have to send OR a letter detailing all this. Its going to look strange isn't it, in the letter to OR, that I have told him something which isn't really true. That these debts were practically all mine and I only helped OH a little. At least we can prove what I paid for OH, statements will show when I re-mortgaged and that a payment was made to OH's loan company from my bank account, so if he has to pay that back, then he will have to, but I feel a fool that I told OR something different to make myself not look so stupid. I am now worried sick that OR will wonder why I said something completely different in the telephone interview. Sis said just to be honest and explain you were in a fluster, you felt a fool with all the debts, you had so many debts at the time, that you couldn't remember what they were all for. I know I didn't tell him anything illegal on the phone, just that a lot of my borrowing was for him...when it wasn't....to make me not look like such a prize tw*t.......which obviously, is completely different to saying the opposite...that I hadn't lent him anything, when I had....which I would never do, I am going to give him all the facts about what I paid off for OH, so why do I feel so sick? I am going to put in the letter that OH has paid for everything the past couple of years, including the loans, so I am hoping that will be taken into consideration that some of the money I lent him will have been paid off? I hope so.

Oh, the car, which is only worth £400, he told me that an agent will value it and a family friend or partner can buy it back if they wish.

The flat, he is happy to leave it as it is, on the market, and will write to our Solicitors telling them that he has a beneficial interest in it when it is sold.

Glad its over, but still have to find that information, send it off to him and await to hear what he is going to do about it. I know I have brought everything on myself (even though I didn't intend being ill and not working the past couple of years), and this has taught me a really hard lesson and one which I intend never ever repeating again.

I suppose if they made it easy alot more would go bankrupt.

Summer1969

MABLE wrote: »

I suppose if they made it easy alot more would go bankrupt.

Oh totally agree. I have been through the mill the past couple of months with going BR, have not taken it lightly in the slightest, just wasn't prepared for the thorough grilling I got and when I didn't have all the info, I got in a fluster. I know he is just doing his job and things need to be investigated. Which is why I have been putting an honest account on here, so people know that its not the easy option.

get_me_out

I'm worried about when I finally have to deal with that call now. Hoping that like my friend I just get a letter asking details as I have no assets and dont work. My depression makes me nervous enough without having to deal with phone calls. I go into a panic attack, trying to shop in town.