| T O P I C R E V I E W |
| 2stressed |
Posted - 01 April 2009 : 07:56:14
Havent slept much at all- after being made BR yday and thinking things are on the up I have spent all night worrying myself silly over OR call
I have become totally paranoid that I will end up in trouble over something- what ive spent the money on (crazy as it sounds I am struggling to think what) or I cant explain any cash withdrwls.
I am hoping they had enough info on my SOA- ive been on JSA for 2 months and moved in with family so my I+E is pretty straight forward.
I am at a point where I just want it all out the way- all I ever seem to do is fill out forms and be photocopying documents. I want to put all my energy into finding me work instead |
| 5 L A T E S T R E P L I E S (Newest First) |
| Niobe |
Posted - 01 April 2009 : 15:34:44
Shazzles - your credit rating won't go on your flat, it will be against your name only if only you is petitioning so your husband needn't worry about that.
2stressed. I'm glad it went ok yesterday, and I'm sure you've got nothing to worry about with your OR interview.
Good luck with your move as well.
The glimmer gets brighter all the time
Jan
xx |
| 2stressed |
Posted - 01 April 2009 : 10:41:07
I just want to get it out the way now.....Im moving at the weekend which im looking fwd to but it is added stress.
I just want to reach a point where I have a roof over my head and im safe in the knowledge I can get the bills paid. And maybe even have a couple of quid to see my mates.....have blown out every single thing they have organised since xmas....
Just dont remember the last time life was easy and I actually enjoyed it! |
| leahk |
Posted - 01 April 2009 : 10:07:04
2stressed, as focus320 said please try not to worry (too much). At the end of the day the OR is only human. They are doing a job just like anyone else, and it may not seem like it but they are here to help. Its like the dentist - unpleasant but necessary!
I am 6 weeks into my BR and like you I couldn't wait for it all to be over. I'll be honest, even now I'm still not 100%. Part of me is still on edge but every day it does get better.
Take care
x |
| focus320 |
Posted - 01 April 2009 : 09:50:16
Dear 2stressed
Please try not to worry about the OR – we went through all of this in Dec08 and I can honestly say the OR was brilliant to us. Their job is simply to get to the bottom of why your BR has happened and also understand the different types of debt you have. After our interview we had a ‘off the record’ chat with the OR and he told us that he was looking for any fraud or serious financial negligence (such as gambling), if none of these are present and your debt had simply come about due to ‘general’ finance pressure, then he had little interest in the case.
Like you, I had no idea what all the money had been spend on – in fact I really hadn’t spent most of money myself and most of the balances had built up because of interest charges, fees and using one form of debt to pay the minimum balance on another. The OR did not ask about individual withdrawals of money and only wanted an outline and the time scales it took for the debt to reach its current level. I kept telling him that the balance were due to ‘general living expenses’ and using debt to pay debt. I would say that you need to go into the interview with all the facts of your case and then be completely honest and up front with the OR – I really didn’t get the impression that they were there to judge you or tell you off.
We are now 4 months into our BR and I feel like a different person ! No more holding my breath at the Supermarket Checkout when they swipe my card and no more endless calls from India telling me be pay them money. The financial pressure we were under before the BR was a lot worse than the OR interview !
Hope this helps some, chin up !
|
| shazzles |
Posted - 01 April 2009 : 08:05:30
2stressed I know exactly how you feel event hough i havent even filed for bankruptcy yet! I am on the verge but now ive got my husband saying for me to check if the credit rating goes on the council flat as he wants to be able to get credit in the future.
All i seem to do is worry myself stupid too and if i cant go bankrupt i dont know what im gonna do as my iva is about to fail.
Anyway just thought i would smpathise with you and send hugs at ya :) |
