OR interview in the morning

bubblegumm

Hi everyone, yet another question from me!! (thanks in advance for everyone that always takes the time to answer)

Got my OR interview at 11am tomorrow morning (Wed 23rd) and I wondered if anyone who's already had them can tell me what info I need to get ready tonight?

Need my SOA... what else?

Also I don't know how to go about the dates I acquired the debts. Things like credit cards just sort of built up over the years, it wasn't one particular purchase on a specific day? Shall I just tell the OR this and not bother trying to find out the exact day the cards were opened?

Thanks,

Louise x

fiveyearplan

Hi Louise, Yes you can just tell the OR what you can remember. I took with me (as I was specifically asked) bank statements and credit card statements etc. I had two big bags full of stuff (very heavy!) that I had to take on the London Underground. Unfortunately he didn't want to keep all of it so I had to bring it back home! I was never asked for an SOA until a couple of weeks ago and I'm nearly 4 months into my BR.

Good luck, everything will be just fine.

dalip

Bubble the usually only go through the SOA in more details. If they ask when the debt was incurred just tell them it is a rough date as it is so long ago. They usually understand. Make sure you have a piece of paper with do not waffle on,if you have a tendency to fill silent gaps with gibberish,like i do:o .
Good luck.D

Izabel

Hi

I had my I/E and my BR petition to hand, didn't need anything else.

Have a pen and paper handy. I had a couple of questions by the end.

With dates etc I was asked when I took loans out, what for, and starting payment amounts. So I couldn't remember so I said I can't remember and they were fine. Don't remember being asked for dates on credit cards just what they were used for, balance transfers or living expenses.

I was told not to give any info that wasn't asked for and don't explain too much, just answer the questions directly.

They ask for a summary of why you got into debt so you might find it helpful to jot a few pointers down before hand.

It wasn't as bad as I thought, good luck

shadowdragon

Its different for everyone, depends on the OR and your circumstances mine was 20mins long and the OR didnt ask much. Just have your forms infront of you and answer the questions as honestly as you can, if you cant remember you cant remember. Its a simple as that.

bubblegumm

Thanks everyone, thats put my mind at ease a bit.

dalip, I will take your advice and put a little post it note to remind me not to waffle.. I talk and giggle for england when I'm nervous, eeeek!!

Hehe will post again when I've had it tomorrow.. fingers crossed I'll be saying it wasn't half as bad as I imagined. :-s

x

tigerfeet2006

All the best for tomorrow Bubblegum I'm sure you will be fine. Also have a drink by you as well for those dry mouth moments. You can also take small sips during the silences to stop you talking

shadowdragon

tigerfeet2006 wrote: »

All the best for tomorrow Bubblegum I'm sure you will be fine. Also have a drink by you as well for those dry mouth moments. You can also take small sips during the silences to stop you talking

or make some roll up ciggies like i did, he prob could hear the lighter firing up, he was prob thinking "Christ I could do with a cig" LOL :j

bubblegumm

One of you is trying to encourage me to drink, the other wants me to start smoking... oh my.. hehe only kidding

Thanks for all the replies everyone xx