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tracy_b
Junior Member
United Kingdom
457 Posts |
 Posted - 15 October 2008 : 17:21:05
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Hi All,
Getting really nervous now. This time last week i was getting my knickers in a twist over going BR, now i'm getting stressed of OR interview tomorrow!
I have already had to send 12 months banks and credit card statements, loan agreements etc and the forms NTB2 and TNIDIS, all in less than a week as they had to get there by today at the latest.
i also had to list the last dates i used cards, some of them were well over a year ago.
Managed to sort out that i will be asked all the questions and that my Hubby will only have to answer 3 or 4, as he is depressed and suffers from anxiety and doesn't talk well on phone or to anyone he doesn't know well.
What will they ask me, and should i prepare anything to be ready for tomorrow.
Thanks in advance
Tracy XX
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 15 October 2008 : 17:24:11
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Hey Tracy
I cant answer any questions you have as the same is going through my head.
Just wanted to wish you lots of luck for tomorrow
Jenny
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 15 October 2008 : 17:25:23
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Hi Tracy
DONT PANIC!
It will all be fine. Just have the SoA in front of you, a glass of water and somewhere quiet for when you have your call.
They will go over the form with you and just generally clarify what you have written, they will stop sometimes as they write notes but they wont put you on trial.
Be honest and if you cant remember something just say that at the time.
It will all go ok and honestly its not as bad as you think.
A good tip write down all the things you want to ask the OR and keep it with your SOA and then you can ask them and write notes for your own ref.
Good luck
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 15 October 2008 : 17:28:33
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Hi,
Thanks Jo and Jenny,
Can't beleive a weeks gone by already. I just really hope that they will be nice to me. still struggling a bit with the post br blues and liable to cry if he/she is either too nasty or too nice!
Your interview must be soon Jenny,
Good luck with it.
Tracy XX |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 15 October 2008 : 17:33:56
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Tracy
Ihave now got thr post br blues too (hubby is really confused why as he did not go br)...its a strange feeling but im sure it will pass.
Ive got mine next tuesday - not long
xx
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 15 October 2008 : 17:35:02
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Tracy
You wont feel the need to cry, only after when you have the sense of relief that will come from the debts, leading up to the BR and the fear of the interview.
It is an overwhelming experience that comes in a whoosh and then suddenly its all gone. I felt a sense of loss when i went BR but overtime i have learnt that my life did not revolve around the debts and that was not my only purpose to work just to pay them.
It still gets to me sometimes but being able to help you and others has allowed me to recover more quickly and now i want to be able to help you through.
Just take care.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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got there
Junior Member
United Kingdom
461 Posts |
Posted - 15 October 2008 : 17:39:51
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| All the best TRacy will be thinking of you. I havent got any of my credit card statements as havent used any of them since Nov/Dec 07 and shredded everything when my IVA was accepted back in April. Hoping this wont be a problem, I do have all bank statements already sorted. Hope all goes well, do let us know x |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 15 October 2008 : 17:52:25
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Thanks so much everyone, it means so much to hace all the virtual support. I get so worried that i will do things wrong and feel a failure for ending up like this, and then it swings around and i feel proud of myself for dealing with it all. Its really weird. Once tomorrows over and done with perhaps that will be the start of a new life for me. Just hope i get an OR like Eamonn's!
Take care evryone and good luck to those going through it all.
Tracy XX |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 15 October 2008 : 17:57:54
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Just remember this
"You wont be the first and you definately wont be the last"
Be strong and you can get through this. At least you have done something about your debts, whilst others are still struggling.
Keep smiling, mate:-)
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 15 October 2008 : 18:21:12
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Thanks Jo,
I cant beleive it but before my accident i had a very stressful job and thrived on it, and i still miss it now. Oh well.
Tracy XX
Thanks again |
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OR interview tomorrow GULP!!!
