Preparing for my OR Interview

Feelingfoolish_3

Hiya

Took the advice of yesterday and made notes! But oh my going through my cc statements and the cc tart I was last year! Tried my best and still have an excess of about £20k to spend (well if I wasnt BR). Makes eye opening reading (I would give me a BRO) (Hope not though)

Thanks for the advice and I will have your post in front of me tomorrow Beth!! Cheer honey

Cover me, I'm goin in (well at 10 tomorrow!)

fiveyearplan

Good luck tomorrow FF! Just remember, no waffling.

Feelingfoolish_3

fiveyearplan wrote: »

Good luck tomorrow FF! Just remember, no waffling.

:beer: gotcha

fiveyearplan

Feelingfoolish wrote: »

:beer:

Try and save the drinks until after the interview! :rotfl: :cool:

iquit

All the best with your interview.

Feelingfoolish_3

fiveyearplan wrote: »

Try and save the drinks until after the interview! :rotfl: :cool:

Hmmm a swift 20 from me dad put paid to that tonight! Bit of dutch courage

cheers x

Feelingfoolish_3

iquit wrote: »

All the best with your interview.

thank you, notes, water and tabs to hand

Miss_Poohs

Not long now - go for it.

Good luck and I'll be thinking of you.

Miss Px

Feelingfoolish_3

All done and dusted - 34 minutes!

Asked me to explain in my own words how and why I am bankrupt. Brought a lump to my throat.
Discussed car first - exempt! So pleased
Discussed tax - will have nil tax code but only pay 95% of the tax back to OR
Income and Expenditure - All okay. child benefit is disregarded and will have an IPA but less than I thought, which is good
House - Can purchase BI for £1 plus legal fees, based on valuations she said it looks to be in neg equity. I asked if I bought BI but then decided to let it go what would happen? She said it was really important to think about this as if I bought BI and then it was sold/repossessed and there was a shortfall, I would be liable. If I didnt buy BI then the shortfall would be included in BR

Questions I asked:
Can I continue as a school gov - no
Can I switch back to repayment mortgage - probably yes, get figures together and discuss
Can I pay into my company pension - again probably yes, need to see figures
BRO - will need to look at statements to see if that happens - will find out in time.

All in all, I'm still shaky over it all but she was nice and hopefully head down to discharge


Thanks for your wishes and help

dalip

Glad you got that out of the way. It will all go quiet now so all the best and hope the time till ED or AD goes quickly for you Dx