OR Meeting in less than an hour

FacingReality

Am I nervous? Damn right!

antarctica

It's be fine, just relax and take a deep breath

the-muffin-man

You're bound to be nervous - mine was face-to-face but the reality was it was very relaxed, free coffee, break when you needed to and no pressure..

Just answer the questions they ask and try not to be tempted to pad things out.

Good luck with it!

covlad1980

good luck ,just try and relax

peachyprice

Good luck, a face to face really isn't that bad. It does give you the chance to explain yourself and come across as a genuine person.

desperatetobedebtfree

good luck xx

FacingReality

Firstly, thanks to you all for your support. As everyone on here says, this site is invaluable. It makes you realise you are human and not some kind of freak. The comaraderie here is fantastic and everyone who offers advice or support deserves a big round of applause. Without this site I am unsure if I would have taken the plunge with BR as it seemed so daunting and stigmatic without reading other peoples experiences. I now know it is the right thing for me to have done.

Well, that's the OR interview over with. It was a telephone interview rather than face to face, it lasted about an hour. Despite knowing not to ramble I am sure I did. It isn't a nice feeling when you are explaining things, basically I just wondered how I could have been so stupid over such a long period of time to accumulate such debts.

The OR I spoke was a decent bloke. He didn't try and make anything awkward, it was my own feeling of a sort of embarrassment that made me feel awkward.

I have been asked to try and provide a couple of pieces of information regarding some shares and a couple of insurance policies and send them in. Nothing untoward, I had just lost reference numbers, etc. of them. He set me an IPA which was totally expected. Hopefully that means he realises I am not hiding anything so accepts the figures in my SOA and all is straightforward.

I now have to keep my fingers crossed that they exempt my car.

miaoww

well done

hope the car works out ok for you