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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by xmas baby[/i] [br]Just had the first call from the OR (while I was at work...yikes!) and to be honest, she seemed okay and not as harsh sounding as I expected. Maybe I am being lured into a false hope as this was the first telephone talk and maybe she will get a bit more stern when we have the 'big' talk about how I got into this mess. She did mention that I may not be able to keep the car, however if this was the case, someone could buy it for me for a nominal amount and I could still use it. I would then only pay for the monthly car expenses, such as tax, insurance, etc, which I have already accounted for on my SOA. My flatmate also has their wages paid into my account, although its not a joint account, as this makes it easier for us to pay bills and rent. She had no problem with this arrangement, which I thought might be a problem and could have been a real headache... so thats great news. I must admit that past week has been one that I really wouldn't want to repeat in respect of stress levels (I even had to do my first public presentation at work which I was terrified of doing, but I decided I had to do and try to conquer my fear). I did it and apparently it was really succesful. In some ways after everything I've been through in the past week with one thing and another, I feel quite proud of the fact that I've come out the other end, wiser and more confident, whereas a few months ago I didn't know where to turn of what to do for the best. This has been a real learning curve for me and although I not at all proud of the fact that I got into this position in the first place, I am proud of the fact that I have dealt with it and done it on my own mostly and I think this has made me a stronger more confident person at the end of it all. Anyway, I'm blabbering on now, so I will stop. Just wanted to let you all know how it's all going, one week after my bankruptcy. Xmas baby [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.