OR Interview

sort_me_own_yard_out

My OR interview is at 1430 today. Was looking forward to getting it out of the way, then i go from that to nerves and now sat at work in a mild state of panic that I am not going to get home in time as my work load is heavy, got a banging headache, didnt sleep and just generally feel sick. I know it should probably be straight forward but I have few concerns over 2 payday loans I have as they were due to be paid tomorrow and think I may get into trouble for them as I took them out thinking I would be waiting at least another month for the help with my bankruptcy fees and as my housing benefit had been suspended I had to pay my rent. The total of payday that i should pay tomorrow should of been £380 and in the grand scheme of things makes up less than 1% of my total debt.

I have concluded that the worst he can do is shout at me and give me extra conditions because of i have been irresponsiable but I did have every intention of paying them back and i did honestly think it would at least another month before i went bankrupt.

well it will come out in the wash I am sure bigger crimes have been committed but dont get rid of this headache!!

exarmydreamer

Just be honest, we have all done some silly things. I'm sure your meeting with the OR will be fine. Good Luck.

adpod

Good luck with the OR, let us all know how you went on

sort_me_own_yard_out

Well.... That's that!! My interview went smoothly, with a man whose voice belonged to a Greek god so that always helps. I was completely honest about the pay day loans. He didn't shout. He was very understanding about me having to get in touch with my childminder mid interview and gave me a 15 min break to sort my life out!
I can keep my car, hurrah!!!
He is going to look through my expenses in greater detail asked if I had any pets or contents insurance as I hadn't written that in (cant believe I forgot to write them in.)
He is going to speak to HRMC and ask if they can stop deducting the £118 every 4 weeks I currently pay off my overpayment. But if they don't the payment will stop once I am discharged so that was a relief.
Explained about IPA and that once he had looked through at greater detail he will write within a week telling if I will have one and how much it would be then went on using an example of £40 saying if he wrote asking for £40 a month and I thought this was reasonable I would pay it for 3yrs if I didn't think it was reasonable I should write to him explaining why and he would re-!!!.
Explained about early discharge and that as I look pretty straight forward they may be a chance that I would be given an early discharge as early as November.
Everything was done in great detail, I didn't cry mascara and lip gloss intact!! My headache is still there but the feeling of needing to vomit has passed!

All in all I feel relieved, and that I can now try and get my life in order.

Thanks to all for your advice.

fiveyearplan

So glad the interview went well. I think 99% of people agree the build up to the interview is MUCH worse than the interview itself.

buildorbust

Mine was a nightmare had 2 telephone conversations and she still wants me to go in for an interview and might get a BRO over a car we bought 18months ago !!!! feel like Ive had me pants pulled down and had a propper spankin!! going to loose the car my van and also the house.

sort_me_own_yard_out

buildorbust wrote: »

Mine was a nightmare had 2 telephone conversations and she still wants me to go in for an interview and might get a BRO over a car we bought 18months ago !!!! feel like Ive had me pants pulled down and had a propper spankin!! going to loose the car my van and also the house.

Oh I am so sorry to hear that. I didn't mean to sound smug in any way. I wish you all the best

exarmydreamer

Well done and good luck on your journey into a stress free future.

adpod

buildorbust wrote: »

Mine was a nightmare had 2 telephone conversations and she still wants me to go in for an interview and might get a BRO over a car we bought 18months ago !!!! feel like Ive had me pants pulled down and had a propper spankin!! going to loose the car my van and also the house.

Mine was a similar experience, didnt tell me anything I didnt already know and any questions I did ask got the "I'll get back to you" line.

Left the OR leaving worse than when I went in but Im glad other peoples interviews go better.

ghostfinder

well done sort

PippaGirl_2

So pleased that's over for you syoyo, onwards and upwards!