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Today is my OR Interview ....

2

Comments

  • now
    now Posts: 851 Forumite
    boodebt wrote: »
    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:

    Well done, the rest is easy if you can have a nice relaxing evening with a couple of glasses of wine :T
    If you woke up this morning congratulations, you have another chance :j
  • SurreyLass1
    SurreyLass1 Posts: 295 Forumite
    Mine's 2.00pm, and I feel even sicker than ever now.
    'Don't judge me 'till you have walked a mile in my shoes'
  • now
    now Posts: 851 Forumite
    boodebt wrote: »
    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:

    we were allowed to keep our car on HP I just carried on paying the dd and the HP company never contacted us. I think it is more hassle for them to repo it as it costs them money, unless they ask I would just carry on as normal. We had 2 cars the other one a family member was allowed to by the interest in the car so it was happy days well done on getting through the worst part
    If you woke up this morning congratulations, you have another chance :j
  • now
    now Posts: 851 Forumite
    Mine's 2.00pm, and I feel even sicker than ever now.

    You will be fine, just remember they are not super human they are just doing a job and are no different to you and me :) they shut of the PC at 5pm and go home just another days work. deep breaths and you will be fine
    If you woke up this morning congratulations, you have another chance :j
  • SurreyLass1
    SurreyLass1 Posts: 295 Forumite
    Done - phew!

    He was a very nice man, very pleasantly spoken, and put me at ease very quickly. All in all, I was done and dusted in 20 minutes - and most of that was me rambling!

    x
    'Don't judge me 'till you have walked a mile in my shoes'
  • dojoman
    dojoman Posts: 12,027 Forumite
    Well done, I bet you are relieved that that is now over :)
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • BaldEagle
    BaldEagle Posts: 208 Forumite
    Glad to hear it all went well. 20 minutes must have flown by :)
  • now
    now Posts: 851 Forumite
    Done - phew!

    He was a very nice man, very pleasantly spoken, and put me at ease very quickly. All in all, I was done and dusted in 20 minutes - and most of that was me rambling!

    x

    Well done see it is not as bad as you think :T
    If you woke up this morning congratulations, you have another chance :j
  • Hi so pleased it went well for you, i think thats the thing most people worry about then once its over you think is that it lol! good for you you can relax a bit now xxx
  • Angiepange
    Angiepange Posts: 3,521 Forumite
    Part of the Furniture Combo Breaker
    boodebt wrote: »
    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:
    Done - phew!

    He was a very nice man, very pleasantly spoken, and put me at ease very quickly. All in all, I was done and dusted in 20 minutes - and most of that was me rambling!

    x


    boodebt and SurreyLass, so pleased both your interviews went well and hopefully gives a little reassurance to others waiting for theirs :T Hope the rest of your BR goes smoothly and time flies by!
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