OR Telephone Interview tomorrow morning - Tips please?

hotsnowman

Hi All

OR telephone interview tomorrow morning. £60k to explain myself for including overdrawn directors loan accounts. Tips appreciated.

Thanks

About to be toasted Hot Snowman

philnicandamy

Be open/honest answer the questions asked & dont feel the urge to waffle when the call goes quiet (when the interviewer is writing up notes)...get comfy tea/coffee & a pad to write bits down....make a note of any questions that come to mind tonight then you can ask tomorrow (not just the OR's question time your allowed as well!) #

And good luck (its not really half as bad as your imagining it will be!)

stintond

Hi Hotsnowman
Good luck for tomorrow , but hey , wait a minute , whatever happens the debt will be cancelled right?
Now , he will be asking some questions to probe whether any blame can be put on you insofaras you delibrately borrowed money knowing full well you werent going to pay it back , that's the feeling I got.
I laid out a few a4 pages and put the months down when everything happened , dont volenteer information unless it is asked , he will be silent while he enters info on the file.
If you need a break , say so , and try and relax , I spare a thought for you tomorrow , I cant say its the most pleasant experience but it's better than paying back the debt , thats ther way to look at it , you know my attitude in the end I just lay back in the chair and thought OK , do your worst , I am at the lowest point here ,from here things can only go up.And they will.

hotsnowman

stintond wrote: »

Hi Hotsnowman
Good luck for tomorrow , but hey , wait a minute , whatever happens the debt will be cancelled right?
Now , he will be asking some questions to probe whether any blame can be put on you insofaras you delibrately borrowed money knowing full well you werent going to pay it back , that's the feeling I got.
I laid out a few a4 pages and put the months down when everything happened , dont volenteer information unless it is asked , he will be silent while he enters info on the file.
If you need a break , say so , and try and relax , I spare a thought for you tomorrow , I cant say its the most pleasant experience but it's better than paying back the debt , thats ther way to look at it , you know my attitude in the end I just lay back in the chair and thought OK , do your worst , I am at the lowest point here ,from here things can only go up.And they will.

Thanks. I've been going through the debts and looking at my earnings from the business - I'm pretty sure I will be kicked BRO/BRU for the overdrawn loan accounts - what a mess - I'm looking at the figures trying to justify the amounts and on paper, it just looks bad - I wouldn't feel so bad about it if we actually lived in an okay house with okay furniture.... I can't see it going well tomorrow - almost certain there will be a further face to face interview.

Thanks for the comments - bang on when you say this is the lowest point and it can only get better. The bottom line is that I've ran a poorly performing business, relied upon increases in the housing market on the houses we've lived in to sell and repay debt or re-mortgage and thought things were kind of okay - blinkered. What a learning curve. I'm not sure I would have come to this conclusion unless the OR meeting was set up.

Thanks again. HS.

movingforward2010

good luck for tomorrow, i have my interview next wednesday afternoon

im worried i might get a BRU/BRO too, but i keep thinking at least its no prison or anything worse

Flowerpot_2

Good luck for tomorrow HotSnowman - if I managed to survive it you most surely can!
T'will be fine
Flowerpot
xxx

stintond

Youre not the only one who thought the house prices were going to keep going up , now let me think , who were the others , mmm HBos , Bradford and Bingley.......

gettingbetter

hi

hot the thing you have to remember is
you thought at the time you were making the right decisions
no one can grind your !!! for that

however if you went and bought a brand new car on your credit card
yes OR might have something to say

just relax
they arent ogres
my f2f lasted 20 mins max
and the lassie that came to me
used to live in same street as me

answer what is asked and no more
you will be fine
remember come back and let us know how you get on

kas xx

hotsnowman

Thanks everyone. 20 mins to go and counting. Will let you know how it goes.

HS

Tristesse

Good luck from me too

CJV_2

Good luck hotsnowman! Let us know what questions you were asked and how it all went. We're thinking of you.