Mortified

vscared

Just had a call from the OR. He said that in my paperwork he had found papers relating to an unsecured NatWest loan which I took out a few years ago for £15k (but I think I owed £8k at the time of going BR) and this wasn't in my SOA!!! I can't believe I missed this off. He wasn't very happy about it. He said it raised my debt quite considerably. I said I was very sorry but it was a mistake.

A word of warning. If you are going BR, make sure you go through SOAs with a fine toothcomb. I thought I had everything on there, but was mistaken.

Question - will I be in trouble with the OR for this, even though it was an honest mistake? Am petrified now.

philnicandamy

I doubt very much it'll cause any problems.....things happen people forget debts (I did) I think its more a case of the OR having a bad day & shouting at you made things better

try not to worry

betterlatethannever

Vscared...please try not to worry, most of us have missed off 'something'

I doubt theres anything he can do except 'grumble' at you. I'm sure they understand that going BR is hugely stressful and things get missed off.

It was a heck of an amount to 'forget' though:D

Edit: al least we're singing from the same song sheet Phil

vscared

I didn't so much "forget" as accidentally left off the form.

philnicandamy

I still wouldnt worry at all about it to be honest....sounds to me like a grumpy OR/Assistant flexing their muscles to try & scare you...not as if they can really do anything else

RichOneday_2

There isn't really a method for 'punishing' you anyway so I'd relax if I were you.

Think of what is implied - you deliberately hid a debt from the OR that would be wiped out if you'd declared it. It's not really the stuff of a master criminal is it?

Now, if say the 'forgotten' debt was to a family member and he suspected you were showing preference that would have a more sinister whiff about it.

But, as previously stated, he can only get grumpy, and its possibly not a good idea to wind the OR up on a regular basis, but stick your fingers in your ears and it will blow over.