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.
Told you it would be okay, and I would not be to worried about the next 12 months in reality you will probably obtain your ischarge in 6 months time, ready to relax in the sunshine, that is if we get any!!
Melanie Nicholas 28 years insolvency experience - 23 of which in the Insolvency Service - Insolvency Manager Jones Giles
OR Interview
Posted - 19 February 2009 : 15:09:38
