one hour to go before OR interview

fatou256

i am really nervous and i don't know why . I am expecting the worst.

i still dont; know when and why i took most of my Loan and Credit Card. i tried yesterday to go through each one of them and coul dn not find any sort of explanation aprat form living expenses. does it matter if u don't know ?

Gerberus

I had exactly the same thing, more or less. How the heck could I remember what I did 12 years ago? Gave what answers I could with the caveat that I simply couldn't recall accurately.

It'll be alright - you owed money, not your life

homeschooler

It'll be fine. I just said general living costs and they accepted that fine. She was going to put on the letters to creditors that the money was essential living costs. I told her that 2 years ago I had quite a few flights on there at a couple of hundred quid a go visiting family abroad and I said at the time I thought I could pay it off but found I couldn't and she didn't question it all. She asked if I thought that I had lived beyond my means. I admitted yes probably but don't we all and she was fine with that too. I think as long as you are honest with them it will be fine. If you don't know what you spent the money on then they will accept that.

Another question I was asked was what caused you to go BR in my case was husband's business declining so we weren't earning as much and also cost of living shooting up. I had to say why we got into debt. We refinanced and refinanced and used the credit cards for groceries and stuff.

Some great advice I was given on here is don't waffle - there will be silences whilst they take notes but don't worry. Only answer the question asked there is no need to offer extra information unless asked.

Hope it all goes well for you. Let us know how you get on. I was petrified before mine and it really wasn't that bad. It was all over in 26 minutes.

Emma

fatou256

thank you it pu tmy mind a bit too rest but not knowing it is the worst...

i have nothing to show on what i spent my loan, CC .... on ! i know i lived beyond my mean . there is a lot of payment that i have missed thanks to charges interest etc... ..

anyway i wil have also to inform my change of income and expenditure

my income is roughly about 380 pounds gross and WTC 200 pounds /month.

my expenditure is as follow;

rent 417 pounds
council tax 120 pounds
electricity/gas combined 80
housekeeping 390
water 40
telephone 50 mobile phoen 10 pounds and internet 20
clotihns 100 (50/person)
travel to work buss pass 56 pounds /month/person
hair 10/person
modest holiday 30 pound ( to see family abroad )
tv licence 13
emergency fund 20 / person
house content insurance 40 (i still don't have one but my Landlord told us we need to get one as if we are burgled we will not be covered)
meal at work 35 pound/month/person
prescription 10 pounds/person
dentist optician 10 pounds

total 1575 pound for 2 people my husband will be BR tomorrow afternoon he work full time and i don't
i hope that it is ok

k2nga

Well good luck and im sure you will find it fine and then after this the worse is really over. Good luck.

fermi

Hi.

Have to second the advice given so far really.

If you were struggling when you used the money for "living expenses" then I would make sure that you stress that you were doing so to "keep your head above water" or that you were trying to "bridge a gap" in your finances. An awful lot of us here have been there and done that, and for one reason or another found that it didn't work in the end.

However, the examiners see people daily that can say the same as you, so don't be too concerned.

fatou256

thanks agaim went i went through my bank statement n there is no crazy amount goign out normal thing such as food shopping bus pass etc.. bill and some plane ticket abroad to see my parents (i am not english but my OH is lol ) i hope they will allow me at least 320 pound /month for holiday abroad as if not i won't be seeing anyone for a year !

fatou256

my reason to go Br well at my previosu worjk they cut down gradually my hours from 35 hours to 18 hours . i was told that was temporary thne they cut i down further to 10 hours a week to which then i decided to leave or made to leave then the company closed down a month after i left .... i was then unemployed for 8 month and now i have a part ime job for around 16-18 hours per week not great but better than nothing ..

then my Oh went really depressed when his mother and father died which resulted in lot sickness absence form work someone was really tight to say the least

i hope that is ok to say that...

however i have an going issue my OH countersuing my ex-Landlord for theft fraud deception harassment and illegal eviction the theft realte to furniture belonging to me

if i had any money in return for the loss of item and etc will it go to the OR ? s

fatou256

don't know if it is good or not still waiting for my interview

k2nga

Dont worry i would think they are very busy just at the moment.

december

Hope it goes well for you. Try to keep calm though I know it's hard and try not to waffle. Let us know how you got on.

December