OR interview at 10am

singlegirl

54 minutes until my OR interview. :eek:

The only thing I am worried about is my expenses as my 18-year old son only contibutes £50 a month at present because he has a part-time job and I am claiming £350 groceries for two adults and two cats.

Any ideas what the OR will do re this?

uptomyeyes1984

good luck with your interview. you can only wait for their imput on the groceries.

let us know how you get on.

cassietony

good luck xxx

singlegirl

advice received

Sunnylooloo

Not sure on your last question but just wanted to wish you good luck! make sure you have a glass of water or cuppa with you.

dojoman

Good luck, hopefully you should be nearly finished by now

hopefulfooluk

Hope it's going/went well

singlegirl

88 minutes on the phone to the OR.

My car is exempt, so I'm relieved about that. I did have to state my case for why I required the car as opposed to using public transport, but as I have to go to meetings and on courses this was accepted. He will send me a letter confirming my car is exempt.

I had to go into detail on what I spent the money on, mainly the loan consolidations, not what I actually spent it on, and if there was any amount over £500, which there wasn't, just food and clothes.

He did drop my groceries from £350 to £280.

This has left me with a surplus of £102. He will get back to me on whether I have to pay an IPA as the figure is borderline. Today or tomorrow I will know, but if I have to pay £50 then I have to pay £50!

I did get a bit nervous trying to explain what I spent the money on but he wasn't judgmental, he just wanted to know the facts.

So that's the final hurdle out of the way...... almost. I'm just thinking I should have been a bit more generous with my outgoings to avoid an IPA but I guess I can't change it now, and I did spend the money on the credit cards, so £50 is a small price to pay compared with what I was paying back.

Thank you to everyone who has helped me through this and the advice I received, even if it wasn't what I wanted to hear sometimes.

I will stay on here and put my limited knowledge in to help anyone going through BR.

uptomyeyes1984

I'm glad it went well for you, i think i'll struggle/get nervous at explaining what we spent the money on.

i bet it feels like a weight lifted now.

congratulations :T

dojoman

Well done, hopefully you will not get an IPA with it being so close, I bet you are glad that you have got that out of the way?

singlegirl

I am glad it's out of the way, but once again, as after my BR date, it's a bit of an anti-climax. Not sure how I feel.

I do have to wait to hear if I have an IPA. I really hope I don't.