Thanks feel especially lucky to have you guys as well as such an understanding OR know that isn't always the case - Jane's OR nightmare still fills me with horror!

Good luck for Weds - I actually prepped myself last night - got a print out of my loans and then worked out where I had spent what on - this was the area that she focused alot on and from previous replies on this forum the area that they seem most interested in. I was quite honest, kept saying I was...

Right just got home! It was fine, in fact the OR was lovely, very kind and helped me along the way. Interview lasted over two hours and went through everything that i had submitted in minute detail. She even helped me prompting me along the way when she said you must have found it hard being out of ...

Thanks again all for being so kind! will let you know how i get on - have written a list of things that I have had to get this month - car seat for my daughter 100 quid - winter coat 10.00 and new winter clarkes boots 35 quid - hope that the OR sees that having a 2 year old is expensive and there ar...

Can you argue with your bank that these payments have already gone through? if you made them 3 weeks ago then surely these payments would have already cleared from the funds in your account and the money has gone to the creditors as it were your insurance etc - if the payment has already left the ac...

Hi there I have received a letter confirming my app with my OR for tomorrow but it doesn't say what else I need to take with me - assuming its my I&E sheet and the ethnic form that the assistant OR mentioned - hasn't put any bank statements etc so should I just print out 12 months of these to be on ...

thanks all you are all very kind! I will of course let you know what happens on Monday - am very nervous but she is human after all right? the OR interview will be the last bit of it bar the BI on the house so am happy to get the interview done and dusted. Once that is done I can really start to pla...

Hi thanks for all your replies. Catallus, your advice would be then to keep my A&L account and the money in there? its a current account with no overdraft facility I asked for one without one when I applied for it just before my IVA was rejected. Skippy good advice think I will pop into the branch a...

Hi thanks ladies. I am hoping because its not overdrawn and doesn't have a credit facility on it they will simply allow me to keep it although I need a straight answer to that. I just don't want them to take my wages and leave me with nothing but I am guessing because the account isn't part of my BR...

hey all sorry I haven't visited been a busy bee at work and have my OR interview looming on Monday morning the joy. One question I do have is that when I was going for an IVA I changed bank account. Alliance and Leicester current account no overdraft but have a cheque book and a debit card. When I w...

Morning Skippy I think as from what has already been posted about these types of call centres, they don't understand your actual position all they want to do is confirm a payment from you no matter what your circumstances are or how little you pay - sure they all have a big scoresheet next to their ...

Morning, I would think that because you are in negative equity this stands you in good stead for being able to buy the BI for a £1.00 from what i have read - obviously you need to get this checked out but actually having negative equity goes for you rather than agaisnt!

did mine that way too! just print them out and then you have to sign them in front of the person x

wonderful what another hurdle that is done and dusted! I am so pleased for you that is great news! hopefully the good news will keep on coming with the BI being reasonable! well done x

When you say other interests does this count our early mortgage penalty which is according to my statement 5,300 if we were to move or end our mortgage early? thanks!