May’s 2014 BR Club

Storm-cloud

I joined the May 2014 BR club yesterday, (22nd May). Had a quick chat with the OR this morning, more in depth chat in a week and a half. Still feels a bit surreal.

IF

Storm-cloud wrote: »

I joined the May 2014 BR club yesterday, (22nd May). Had a quick chat with the OR this morning, more in depth chat in a week and a half. Still feels a bit surreal.

Hiya Storm-cloud and welcome to May's BR Club, I've added you to post one.

It is a surreal feeling and hope you slept better last night?
Here's to your new start :beer:
Let us know how your OR interview goes too.

Best wishes
IF

Mykidsrcool

My BR was rubber stamped yesterday, just waiting for a call from the OR within the next 5 days.

IF

Mykidsrcool wrote: »

My BR was rubber stamped yesterday, just waiting for a call from the OR within the next 5 days.

I'm so pleased all went well, here's to your new start :beer:
Bestest
IF

Mykidsrcool

Thank, just hope the OR interview goes well

IF

Mykidsrcool wrote: »

Thank, just hope the OR interview goes well

It will do, just take deep breaths and remember it's just for the OR to get a feel why you went BR. Before the call just look through your 6.28/SOA so your familiar with what you have said. The OR will just go through your 6.28/SOA with you. Also before the call have a big mug of tea ready or a bottle of water, and while they are writing things down you can have sips of tea/water, so you don't feel you have to fill in the pauses. And if you don’t know the answer to a question just say so. Do have a list with all questions ‘you’ want to ask. Can last anything from half an hour to an hour and a half.

IF

Bump............:staradmin

needhelpplease12

Hey just to let you know I had my phone call on weds I was a nervous wreck waiting for the phone to ring and I was what the conversation lasted.....wait for it....11 minutes!!!

He hardly asked anything and only asked me to send 2 months worth of statements and not 12, he said my paper work was very well presented in court and he didn't feel any further questions were needed!

He said have a great wedding and enjoy your holiday

I even got to keep my car value of around £3000

I was so scared about the whole BR process and can honestly say it's been the best thing iv done, I know there's a long slog ahead but for now I'm happy and my family are too

IF

needhelpplease12 wrote: »

Hey just to let you know I had my phone call on weds I was a nervous wreck waiting for the phone to ring and I was what the conversation lasted.....wait for it....11 minutes!!!

He hardly asked anything and only asked me to send 2 months worth of statements and not 12, he said my paper work was very well presented in court and he didn't feel any further questions were needed!

He said have a great wedding and enjoy your holiday

I even got to keep my car value of around £3000

I was so scared about the whole BR process and can honestly say it's been the best thing iv done, I know there's a long slog ahead but for now I'm happy and my family are too

I'm so pleased for you and your family, onwards and upwards now :beer:

Bestest
IF

thinkpositive1

Jeeeez that was painful. Just had a 1.5 hour OR phone interview.

Very prickly and cold interview.

Sent all my bank statements and info as requested, the day after I received the OR letter about what to send. She'd not got it.

It seemed clear she'd not read my BR paperwork in advance (or if she had, she'd done a 2 minute quick flip through prior to phoning me).

She flipped around questions in no particular order...e.g. 2-3 questions on assets, then questions about the drop in my income, then back to assets, then info on my loan secured to my mortgage (she seemed very interested to see what precisely I had spent my loan on which dates back some 7 years) and jump back onto another issue we'd already covered.

It felt very disorganised but I kept calm and patient (as I am in any case).

It took almost 1.5 hours, which I wouldn't have minded expecting being self employed to lead to more in depth questioning, yet the time spent was more to do with her going silent for ages as she wrote down everything I said in response to each of her questions.

I thought I was being helpful by elaborating slightly on an answer and was rebuked with a "It's me who asks the questions" put down from her.

Anyway it's done now, thankfully.

IPA seems unlikely which is good but there are a couple of things she'll look into and gave herself the option to come back to me at any time of her choosing which I guess is par for the course.