Hi Julian thanks for getting back to me - i feel much more confident about going to see OR now.. just one other question which i forgot to ask... in nov 05 (approx 3 years before BR) i lent my previous employer £10, 000 short term which he said he would pay back the following month. he could not pay the full amount back and instead paid me £1000 a month for several months until it was paid back (including the interest etc). i used the £1000 per month to pay the amount due for the loan but the rest of the money got used up each month on living expenses and mortgage. So i am just wondering:
1) will the OR ask me about this although it is not in the last 12 months?
2) will i get into trouble for lending the money to someone else although at the time we were financially in a position to do so (although in hindsight it was a bad idea)
3) i cant remember what i put on my loan application form - think i said consolidation which in a way it was because it covered our other debts and cards each month?