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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by shirley[/i] [br]Hi Just had my OR interview over the telephone. Another hurdle jumped. He was very understanding and non-judgemental. The call lasted about 40 minutes and again not nearly as bad as I thought it would be. He went through my statement of affairs and asked me to elaborate on a few things. Somethings I had answers for some things like what I did with a debt consolidation loan in 2002 I really couldn't remember and told him that. He declared no interest in my bank account, car or pensions and had no problems with my expenditure. No IPA which is great news. I just have to wait and see if there are any problems with his report but if there is I am sure I will cope. I am now feeling so relieved. I am sure I will have good days and bad days over the next 12 months but there is nowhere to go from here but up and a hard lesson has finally beeb learned. The word CREDIT has now been deleted from my dictionary. Good luck to everyone and I hope your experiences are as near painless as mine have been. Shirley One day at a time [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.