My partner and I are going to start the BR route. My question is my partner is a self-employeed sub contractor but his debt is personal debt. He does not owe anything through his small business. He does not and never has drawn a wage. Would he have to meet with the OR or could his interview still be conducted on the phone.
I've only heard of a few people having their interview face-to-face and this wasn't to do with their BR circumstances. I think some ORs/OR offices may have to have a certain number of f2f interviews and maybe this is for training or if an OR has only recently qualified. The ORs are so busy nowadays that practically all interviews are done over the telephone.