Hi everyone, firstly thank you all for your kindness and support - it's been a real help to me.[:o)]
Well, I had my OR meeting yesterday. The examiner was a very humane guy, who listened carefully, didn't judge me, and didn't treat me like a piece of dirt. I won't say it was easy, and it was very emotional, but I am through it now.
The examiner said that I should know within a month what my IPA will be, and he said that as much of my debt was incurred last year, a BRO may be possible, although he will take into account my mitigating circumstances. He said that he understood how my bereavements had influenced my spending. He also said that it may not be in the "public interest" to issue me with a BRO, bearing in mind I could lose my job over it - then my creditors would be unlikely to receive very much at all, which doesen't help anyone. Again, thanks for all the advice guys - really appreciated. D.
