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Time To Start My BR Diary......
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Thurs 15th Jan
Had my phone interview with the OR this morning. I'm very pleased with how it went. The lady was very pleasant. Went through my SOA, my I&E and I had to try and explain how I got into debt - which she seemed to accept (some of it due to online gambling)
She worked out my outgoings and actually came up with a figure higher than mine which was nice. Told me about the Nill Tax Code thing, which I knew about, thanks to this board. She told me to expect an IPA of £180 a month. That works out at £6480 after 3 years (not bad to get rid of a £75K debt!!)
Have to post off a couple of letters of proof regarding a pay cut and something to do with a divorce, and that was it. No mention of a BRO.
Now I wait for them to contact me to tell me how to pay the IPA and the NT IPA.
I'm happy :T
Slay0
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