Today is my OR Interview ....

SurreyLass1

Oh I am feeling so churned up again - I went BR last Monday, 28th, and this afternoon is my telephone interview with the OR. I spoke to the examiner last week when he called to make the appointment, and made a bit of a t*t of myself, and I am now dreading this afternoon.

He said I just need my completed forms in front of me ready.

Any other advice??

I am feeling queasy all over again - partly because I cant get into words how I got into this mess, and how it took me so long to appreciate the mess I was in.

boodebt

how weird is that!

i too went bankrupt on the same day as you and my interview is today also!

best of luck im sure it will be fine ill let you know how mine goes....

SurreyLass1

Is yours morning or afternoon?
Good luck to you too - hopefully we will both have a sense of relief later!

Angiepange

Good luck to you both today, I remember being a bag of nerves myself, but when you actually start speaking I think you just go into automatic mode and get on with it! You really will be fine, the examiners are non judgemental and patient, if you can't remember or don't know an answer to their question just say so, they will understand. There will be pauses while they write down what you are telling them so resist the urge to waffle if you can. I got emotional and upset at one point and the examiner offered me a 10 min break and rang me back which helped control my emotions. He even made small talk with me and my DH, that helped put us at ease.

So deep breaths and look forward to immense relief when its over later today! Really wishing you both good luck.

Angie x

SurreyLass1

Thanks Angie.

I guess its because the realisation is that you focus so much effort and attention on the actual BR day, when in fact, you dont really have to 'answer to anyone' about your actions as such - its just all quite official. Whereas I know there is this man in his office looking at the bloody mess I made for myself, with me probably bumbling on the other end trying to justify it, whereas in the cold light of day, I am finding it pretty hard to justify in any way that makes sense.

The only thing keeping me sane is the fact that (a) I am sure he will have heard worse (b) Inside, I know I am not a bad person, just that I have been a stupid person. I hope in some way that will come across to him.

Angiepange

SurreyLass1 wrote: »

Thanks Angie.

I guess its because the realisation is that you focus so much effort and attention on the actual BR day, when in fact, you dont really have to 'answer to anyone' about your actions as such - its just all quite official. Whereas I know there is this man in his office looking at the bloody mess I made for myself, with me probably bumbling on the other end trying to justify it, whereas in the cold light of day, I am finding it pretty hard to justify in any way that makes sense.

The only thing keeping me sane is the fact that (a) I am sure he will have heard worse (b) Inside, I know I am not a bad person, just that I have been a stupid person. I hope in some way that will come across to him.

If its any comfort, I never felt as though we had to justify why we we had to go BR. It was more a case of just explaining when credit was taken out, what it was used for, timeline of events, what happened regarding redundancy and unemployment which led to reduced income and more reliance on credit, that kind of thing. More the facts rather than the personal agonies of being in that situation.

Please don't think you are stupid, you are far from alone in your situation and you are dealing with it the only way you can. It takes courage to face up to anddeal with your debt, and go down the BR route. Well done hun xx

Ineedaname

Good luck to you both for today, I'm sure it'll all be just fine and dandy.

dojoman

This was the part I was dreading the most, but it was nowhere near as bad as I imagined. Just be totally honest, if you don`t know the answer to a question then just say so, do not waffle if possible. At times it will go quiet, this is them just writing up their notes. Best of luck and hope it goes well.

BaldEagle

Good luck to both of you. My only advice is to make sure you've got everything you need in front of you before the call.

For me, it helped to write out a timeline of events which contributed towards my situation (i.e. took out loan on this date, made redundant on that date, claimed JSA on this date, started new job on that date, first default on this date, etc.). If you haven't got all that information, don't panic. Just a few notes jotted down will help.

By far the most important thing to do before the call is to boil the kettle and get a brew on.

boodebt

Well thats me done!

Just come off the phone what a relief I feel great!

The person who is handling my case was fantastic, very understanding and not judgemental in the slightest.

I dont want to post to many details but the OR has no interest in our car on HP so providing the HP company agree we can keep it...and no IPA for now....to be reviewed next year.

The OR actually increased some of my monthly budget as they didnt think I had alllowed enough

its been a surreal experience from start to finish Im definately not proud of what has happened Im actually really mortified....but Im grateful of a second chance.

If I could wind back the clock to when that first letter offering cheap credit arrived all them years ago I would have shredded it there and then...burnt it in fact!

I have learnt my lesson the hard way and im sure the next 6 years are not going to be a walk in the park, but its my chance to start again and im not gonna waste it for one minute.

Cheers :beer:

now

Angiepange wrote: »

Good luck to you both today, I remember being a bag of nerves myself, but when you actually start speaking I think you just go into automatic mode and get on with it! You really will be fine, the examiners are non judgemental and patient, if you can't remember or don't know an answer to their question just say so, they will understand. There will be pauses while they write down what you are telling them so resist the urge to waffle if you can. I got emotional and upset at one point and the examiner offered me a 10 min break and rang me back which helped control my emotions. He even made small talk with me and my DH, that helped put us at ease.

So deep breaths and look forward to immense relief when its over later today! Really wishing you both good luck.

Angie x

I remember being so scared I was sick! I got to go first on ours (Joint) so had to keep myself together :eek: but it was fine I am now AD and will never borrow again :j