| T O P I C R E V I E W |
| lynne.i |
Posted - 07 April 2009 : 21:35:42
got face to face appointment with OR end of this month. What do they ask you the appointment is for 2-3 hours for myself and my husband. I'm thinking that it will be like a visit to the accountants but am worrying myself sick thinking all sorts of things especially after reading about some peoples not so good experiences on here.
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| 4 L A T E S T R E P L I E S (Newest First) |
| thegfamily |
Posted - 09 April 2009 : 00:02:25
Don't panic it really is not that bad!!
I had my meeting in Reading this afternoon and I have worried for the past two weeks; my case was quite complex becasue my BR resulted from the failure of a family business that I was involved in to 2 years ago. The business had been sold but the purchaser failed to meet their obligations under the sale agreement and it has all gone horribly wrong. As i have had no involvement in the business for the past two years I had really struglled with the questionaires and was very stressed this morning. I was shaking like a leaf when I arrived at the office but the lady was very understanding and although the interview was probing and lasted over two hours it really was not that bad. I was given lots of advice and I had worried because our rent is high - we showed her the agreement and althogh she may write to the landlord she jsut gave me the document and said that it was fine and would not be a problem. She examined the income and expendnture and said there would be no IPA unless my circumstances changed. I feel so relieved and gald that it was a face to face interview and I will certainly sleep better tonight,
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| Caroline |
Posted - 07 April 2009 : 22:10:11
Well, I can't guarantee you won't get upset, as I say, I did! and when I got out I was so relieved I cried all the way home! but despite that it was a good experience and I've felt so much better since I've been. Good luck! |
| lynne.i |
Posted - 07 April 2009 : 21:56:32
Hi Caroline, thanks for replying. I am probably worrying too much just want it to be over I think the waiting is probably worse than the actual interview at least I hope so. Just hope I will be able to answer all the questions without getting myself in a state and getting upset.
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| Caroline |
Posted - 07 April 2009 : 21:45:52
Hi Lynne.i - the main focus of my interview was going through how and why I got a particularly large loan in jan 2008 - we went through my statements (which I'd brought) and identified where large amounts of the money went and what it was spent on. I had to explain my change of circumstances re my job and why I moved (I'd split with boyfriend at the time). I had a flurry of catalogue activity that I had to explain; also a few disputes with the bank that I had all the correspondence for etc.
it seemed to me that the examiner was trying to build a picture of how, when and why my debts became unmanageble. He was very understanding and straightforward (I got a little upset at one point). I didn't feel judged in any way - and to be honest it was good to finally explain myself properly and where I feel things went wrong.
All in all a positive experience for me and I hope yours and your husbands is as well. |
