Our BR Diary, from start to finish......

dalip

I agree with the others but unfortunatly i pressed submitt when i wanted to open a new page to go through th IS website before i posted.


On now reading that scarlett i think it is to do with your house. What i am confused about is why they have not written to you to confirm that your file is being transferred. As according to the IS website they do normally inform you.That said i have had a lost item in regards to royal mail and the IS service.


I think i have made this worse instead of better. Sorry:o

Scarlett.1974

Oh Dalip, don't apologise, you were only trying to help. You haven't made things worse, I promise The letters yesterday were from the original OR, no-one new at all, so it's not a case of having to explain anything to anyone new

I'd be surprised if it were the loan though, to be honest. (just remembered this) The OR commented on it during our telephone interview - it was along the lines that they should never have given us that loan, it put us into massive negative equity and was, in his opinion "irresponsible lending" and that it "served them right" that they would be unlikely to get anything from the sale of the house.

dalip

That has made me even more certain it's about the house then.D:D

Scarlett.1974

dalip wrote: »

That has made me even more certain it's about the house then.D:D

Hmmmmmm, you think? The situation at the moment is it's not yet been formally reposessed....... that's set for this Tuesday @ 10.00am (how very precise!) - it's definitely happening then, the baliffs are going in with a locksmith etc.... to do their stuff. But the OR doesn't know this yet - I was planning on waiting until it had "officially" happened and then letting him know.

fiveyearplan

If it was about the house I don't see why they made 2 separate appointments on different days?

Scarlett.1974

fiveyearplan wrote: »

If it was about the house I don't see why they made 2 separate appointments on different days?

Yes, good point FYP. Hopefully by this time tomorrow we should have been put out of our misery and at least know why we've been summoned like this <gulp> & <wibble>.

dalip

Yes good point FYP. I was going by what i read about trustee's role.

Are you seeing your original OR scarlett?.
I think where we are all getting confused is this business about your IS details changing.Take that out of the equation,pretend you never saw that and whats left?.D

blind-as-a-bat_2

Personaly my guess is its regarding the gambling, and they just want to make sure its just your OH, and you wernt in on it too, but hiding behind him,

But by the sound of it the amount isnt that great so.....


Or its a mistake:D

Addicted2Chocolate

The interview done in an OR's office are NEVER done under caution. The statements obtained at interview are taken under the Perjury Act but the interviewee is never cautioned.

maxmycardagain wrote: »

how complicated was yr BR? were properties involved, any large pre-BR spending? expensive cars to haggle over, equity? etc?

yr BR's were individual, hence the two interviews, but you should be able to go in together

worry if you hear "under caution" mentioned...if it IS mentioned, decline the interview unless you can have legal representation...

dalip

Hi ADTC:hello: ( sorry about this scarlett) how are things ?. Long time no see;) . Good to see you back,you were missed.DX