Post OR Phone Call - Need to do Letter, advice please!

Summer1969 · 20 July 2008 at 3:28PM

As some of you may know, I had a bit of a mare of an OR phone call. I was so embarrassed at all my debts, I wasn't prepared for the indepth grilling I got, and kept saying some of the money I borrowed was to pay off loans for OH. He then asked me if I had remortgaged, I said I had, 3 times. I was embarrassed again, so said some of it was to help out OH again.....so imagine my surprise, when he said OH would have to pay back whatever I had lent him!

Anyway, I received a letter from the OR yesterday, he wants all details of my remortgages, dates, amounts and what the money went on, and details of what I have paid off for my OH. Which I do understand, I could have kept remortgaging, gave the money to OH to stash, and then decided to go BR. In reality, I only paid off about £5k for OH, I didn't even know OH when I remortgaged. But I lead the OR to think it was a hell of a lot more than that. I am worried that when I put the details in my letter that it wasn't that much, he will think I am making it up, just to get OH out of paying it. But its the truth, I will be sending him all corresponding bank statements showing him, so I know I am not covering anything up and I know that it doesn't matter if he digs, he won't find anything. So why do I feel like a criminal?

I want to put in the letter the truth, that I was in a real muddle on the phone, thats its been a difficult time, and I was embarrassed at the amount of money I had gone through, so said I had lent it to OH to make me look better. Do you think that its a good idea? We know we might have to pay back what I lent OH, but am also going to point out that OH paid for everything the past 22 months since I have not been working so has been paying all the loan and credit card payments, so hope that will be taken into account for any payment he has to make.