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Posted: Wed Oct 03, 2007 2:52 pm
by andymac
Hi All:
I had my interview this morning. It was with a woman, the examiner, plus a second guy who was appraising her. I must say, it was about as difficult going as I had expected it to be.
She was slightly judgemental in my opinion, and lacked any real personality. Mind you, she was there to do her job so it didnt really surprise me!
Ran through every card and loan in great detail. Went through my I&E. I was concerned that they wouldnt accept my high fuel bills, but when I produced the last 12 months bills for the electricity, Oil and water, she photcopied them and accepted them [:)]. She also accepted the pet insurance and dog food bills at £ 72.00, to which I was very surprised. I am borderline as to whether I will get an IPA, but she will let me know in due course.
Lasted 3 hours in total. I spent a LOT of time preparing, going through all my bank statements and listing what I had spent it all on, where, when etc. This proved VERY useful, and my advice to anyone else in this situation is prepare yourself as much as possible, it only helps you out.
I also had to make a statement about why I had got into debt, what the balance of my debts was roughly at various stages etc etc.
What an enormous relief, but far from a walk in the park !
Posted: Wed Oct 03, 2007 2:56 pm
by Skippy
Glad you've got it over and done with Andy.
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
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Posted: Wed Oct 03, 2007 3:03 pm
by lily
Hi Andy
Sounds like you had the third degree, you poor thing, it must have felt more like 12 hours, three hours is a marathon trying to account for everything in this way. Its a bit hit and miss it seems to how youre treated by the OR, still its all over now, I bet youre relieved about that. Well donw for getting through it and for preparing yourself. Three hours!!! A laxative moment comes to mind.
Good luck, now you can begin to look at the future.
lily
Posted: Wed Oct 03, 2007 3:08 pm
by pixie
Well done Andy, 3 hrs sounds brutal! At least it's now over with and you can look to the future.
Good Luck
Pixie
Posted: Wed Oct 03, 2007 3:13 pm
by Skippy
Sorry Andy, I didn't pick up that it lasted 3 hours - you poor thing. Well done for having all the information to hand.
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
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Posted: Wed Oct 03, 2007 3:22 pm
by aguise
Well done Andy I bet you got it a bit worse due to her being appraised, just my kind of luck too. Still you got there great.
Ang
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Posted: Wed Oct 03, 2007 5:15 pm
by Adam Davies
Hi Andy
Thanks for posting.
The experience certainly varies from one Court to another.You seemed to have the ultimate OR interview and I guess it,s because they were being appraised,many members have just had phone interviews.
Well done
Regards
Andy Davie
IVA.co.uk Spokesperson
About me:
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IVA Helpline: 0800 197 4838
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Posted: Wed Oct 03, 2007 5:21 pm
by ray_a
I think Andy's case was complicated as well from my memory and therefore they had more things to go through!
Didn't help that she was being appraised which made it more harder!
Anyway another hurdle out of the way!
Posted: Wed Oct 03, 2007 5:25 pm
by emma_t
Hi there
I am so pleased for you that the interview is finally over as it must be awful dreading that.
It sounds as though your thorough preparation helped you in there.
Good Luck for the future
Posted: Wed Oct 03, 2007 5:41 pm
by pippa
Andy
Glad its all over Andy, as in the world of IVA's peoples experiences of BR have been very different, 3 hrs ........ well done it must have been tough,
Pippa
Posted: Wed Oct 03, 2007 6:32 pm
by Sadsack
Well done Andy - WOW!!! 3 hours and your'e still sounding pretty up beat! Good on you!
I have my OR meeting tomorrow, telephonic and she said it would take about an hour. So now its off to get all the relevant information together and try and get a good nights rest.
Good luck to you for your future!
Take good care of those German Shepherds!
Sue
Ho Hum! Think I'll bang my drum!
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Posted: Wed Oct 03, 2007 6:37 pm
by pippa
good luck Sue
Let us know how it goes
Posted: Wed Oct 03, 2007 6:49 pm
by Skippy
Good luck for tomorrow Sue x
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
http://skippy13.blogs.iva.co.uk/
Posted: Wed Oct 03, 2007 8:51 pm
by mikebdomain
Andy
Well done for getting through it, phew... three hours that does seem a long session compared to most others who post on here about their interview. Good advice about being prepared.
Sue
Good luck for tommorow.
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Posted: Wed Oct 03, 2007 8:57 pm
by fudge34
Hi Andy
WELL DONE another hurdle over with now?! I am glad that you were prepared, as I said its the best advice you could give to anyone in our position. I think Andy D, that it depends on the level of debt you are in as to whether you come in for an interview face to face or not - that is what my OR told me, I was trying to get away with a phone interview but she said at my level of debt i needed to talk to her face to face... Andy the other one - have a glass of wine and relax now.