Can he ask for it all back? - Update

Summer1969 · 19 February 2009 at 9:32AM

Thanks guys - I got about 2 hours sleep last night and feel a bit sick this morning, how ridiculous am I! Be glad when its over. xxx

rugbymum · 19 February 2009 at 9:44AM

Thinking of you. Big hugs & best wishes.

philnicandamy · 19 February 2009 at 9:45AM

startagain_2 · 19 February 2009 at 12:18PM

Good Luck Summer - I am thinking of you and I hope you have as positive an experience and outcome as I did....

Telepathic hugs to you....

SA

Summer1969 · 19 February 2009 at 3:12PM

Hi guys, I am home with a cup of tea and a cigarette.Well, I felt quite ill on the train to Brighton this morning, met OH then we walked down there, I hadn't eaten since the day before and OH said I looked as white as sheet, you would have thought I was on death row!

Anyway, we met the OR, oldish guy in his 60's, obviously it was all very serious and stern when we sat down, I was so nervous. The first 10 mins were just awful, I am not going to sugercoat it, he went on about perjury and prosecution if we had said something that wasn't true or given false information, we both knew we hadn't but I felt like I had, I kept thinking, what if I have got the wrong figures, or forgotten something. I suddenly felt really hot and I thought I was going to pass out...how embarrassing would that have been! :eek: OH admitted to me after the interview, that the first 10 mins were terrifying for him as well.

Anyway, he had some points he wanted to raise that he had queries on and wanted my answers, so I answered them all, and OH was helpful, chipping in if he remembered something. There was an amount of £7k that he couldn't trace, I had no idea what it was, so I started panicking...then luckily OH remembered he had got a 0% credit card and we had transferred £7k from my bank account onto his card. OR was satisfied with that. He then wanted to know my work history past 2 years, that was easy, practically none. Then wanted to know where OH worked..that panicked me, I wanted OH kept out of it, but it was because the name of his firm was in my bank statements every month, so he was happy that it was OH's salary going into my account. He then went through some of our spending the 6 months leading up to BR, that was embarrassing, I just held my hands up, so did OH, we said we look back now and realise how frivolous and stupid we had been and that as we had always made the minimum payments, we thought everything would be ok. He said that I hope you realise now that people just can't do that forever, and we said, yes, we do realise that now. He was satisfied with that, which surprised me, then he said well I know you put OH on the deeds, but its in negative equity now and I can see now that you paid off some loans for him but he has paid everything for the past 2 years, so its swings and roundabouts really. I was so shocked, I was waiting for the bad news. He started writing up his report, he said his writing was bad, it was, I had to read it, and agree or disagree with it, or change it, and I had to keep getting him to read it back to me, then I signed it. I said what now, and he said, I can't see that we will be investigating anymore...OMG, music to my ears! I shouldn't (fingers crossed....) hear from him anymore and won't hear from them when I am discharged. I gave him my job acceptance letter, he was pleased I had got myself a job. I gave him my SoA, he didn't even look at it, after all that!! Said its fine, and just said to ring him if my salary changed, so no IPA. I don't have to tell him when the flat sells, as if its negative equity, there is nothing to come out, and if there is equity, the equity gets spread around the creditors, the purchaser's solicitors will deal with that. I was so shocked, thought I would get a BRU and was ready for it, but after talking to us, I think he realised that we had both made mistakes and that we had learnt out lesson and not done anything dodgy. He did interject with us a bit actually, saying his son's wife is terrible with money and he keeps having a word with his son about it. He said he had hoped we had learned our lesson and that he wouldn't see us again, and we told him that he could bank on it! We were there about 1hr 20 mins, felt like longer though. I whispered to OH I was dying for a ciggie, and the OR pulled a packet out of his packet and said he knew where to go if I wanted one.

I can't believe it, 7 months of being investigated and its over, I think today is a bigger milestone for me than when AD arrives, as it was the being investigated that made me ill. Obviously we will still celebrate on 3 July. A BIG thank you to everyone on here that has posted in my threads, especially Dalip, and to all the posters on here generally, whose threads I have gleaned for hours getting info and inspiration. Its been a long journey but hopefully we are now both out the other side and can now move on and upwards!! :beer:

dalip · 19 February 2009 at 3:36PM

i have been refreshing your thread for the ......hang on the screen has gone blurred:o sniff....last hour waiting for news.

I am so very very pleased for you summer. I know what a god awful 7 mths you have had.

All over bar one small step in july.:beer: go have that drink now and i will say a silent toast to you when i have mine tonight. All the best girl.Dxxxx

lisamummytoarchieplusbump · 19 February 2009 at 3:37PM

congrats summer1969. i havent replied to any posts but been reading them and i bet thats such a relief for you now and you can start to relax abit. keeping you hanging on for 7 months must have been a nightmare.

lisa

Summer1969 · 19 February 2009 at 3:40PM

dalip wrote: »

i have been refreshing your thread for the ......hang on the screen has gone blurred:o sniff....last hour waiting for news.

I am so very very pleased for you summer. I know what a god awful 7 mths you have had.
All over bar one small step in july.:beer: go have that drink now and i will say a silent toast to you when i have mine tonight. All the best girl.Dxxxx

Bless you.

Well I thought after losing mum, then getting depression, it couldn't get any worse....then life just deals you another thing! But I am stronger for it, I have got through it all, and it will get better, I know it will! xxx

Summer1969 · 19 February 2009 at 3:41PM

lisamummytoarchieplusbump wrote: »

congrats summer1969. i havent replied to any posts but been reading them and i bet thats such a relief for you now and you can start to relax abit. keeping you hanging on for 7 months must have been a nightmare.

lisa

Yes, it has been a total nightmare, especially after reading on here pre-BR, that most people got dealt with fairly sharpish. But unfortunately for me, it wasn't to be. But no point on dwelling on it, I have got through it. Thank you hun. xxx