So here's an update....

Waspeze

Good Luck TigerLily hope it goes well for you

Tigerlily31

Hi all,

Just to let you know it all went ok. He wasnt very happy about some lending I had done in 2006 as it was meant to be a consolidation loan but never got used for this instead I went a bit silly shopping and DS and I went for a great british hoilday to Norfolk for a week and I ended up paying my rent, loan payments out of it and it all went t*ts up once the loan ran low and I bacame ill and all that....

He was really pleasant and efficient. They shall now delve into my finances and see what I have actually spent my money ( the banks money...) on. I have nothing to hide and have been as honest and straight as possible. He was well impressed that I had all my statements for my Natwest account- I only had these cos I was gonna go for charges but hey, it helped please the OR so Im not complaining:D

I just hope to god I haven't forgotten anything....

Anyway it's all good now, Im sat with a glass of rose' wine and am starting to unwind!!!

Tiger x

betterlatethannever

:T Glad it went well Tiger.

A pleasent and efficient Or is about the best you can ask for.

Enjoy your wine:beer:

Dez-Titute

Well done Tiger I'm glad it all went OK.Will catch up later.Dez

Toon_Dave

Thanks for that update tiger, Glad it went ok. Did he give you any idea of your next step or when he'll contact you?

enjoy that rose' now..have a drink in the inn. they're free tonight.

Take care. Dave.

philnicandamy

Thanks for the update been wondering how things went......enjoy the rose you earned it

Tigerlily31

Thanks guys, I feel a bit emotional as we went into detail about relationships and behaviours and it made me realise what a sh*thead I've been with money:o I know it should all be ok now. I just have to send in details of an ISA I had so he can see where that money went- I had forgotten all about it and couldnt recall what I used the cash for (oops!!) and then I just need to wait to hear whats next. They will investigate my finances and make a decision. I was warned very sternly that if I have lied I will get a BRO slapped on me but I ahvent and I have tried to be as efficient as I can so it's now a waiting game- I may get early discharge and I might not depends what the investigation brings up but he did say it was fairly straightforward and the only thngs he was interested in was borrowing from Natwest and Egg.

I now have no where to run and hide as I have had to lay my soul and my bank balance bare to the OR's office....No more shopaholic for me:o I felt mortified when every time he asked what I had spent money on I replied clothes and make-up- must be thinking I have my very own boots with the amount I owed....:rotfl:

Anyway all good I think and the wine is good!!!
Tigerlily x

dalip

Tiger if it helps who has not had a consolidation loan and then not consolidated;) Dont beat yourself up. it's over enjoy the wine and relax. You did good girl.DX

Tigerlily31

Thanks D,

I know, I know!!! Just he was very grave about it and I felt like a stupid idiot that I hadn't done as I had meant to but hell, it's over and whatever he decides is ok with me as I dont think I ever want credit again!!!

december

Don;t beat yourself up about it Tiger, we all make mistakes. The trick is to learn from em Have a nice glass of wine and start to relax, you deserve it.

December