It took approximately 45 mins. They asked about 20 questions in total including my name or any other name that I may be known as. Asked initially about my car and what it was, what I needed it for, how long I had it and how I acquired it. Forgot to bring the vehicle document with me but didn't request that I send it.
Then looked into my wages which at first I thought I had forgotten my pay slips. They copied them along with the letter from my parents about the rent and contributions. They seemed to smile when they asked for the rent agreement and I produced this letter. There was a little question about the rent as on the letter it stated weekly and on the SOA its in months. They thought I had put too much on the SOA.
Then they went over briefly how I come into such debt. They didn't ask about each individual debt but asked in general how it got so large. I also explained how I struggled to find work and how I received treatment for depression & anxiety for 2 years. Almost having a nervous breakdown.
There wee a few more questions about my work over the years and whether I had acquired the credit cards and loans either in or out of work. Everything I had applied for was while I was in full time work and could afford to pay them. Only when I lost my job did I struggle and used the credit cards to live off.
At the end they got me to read through the answers I had given and sign to say that they are true and then said that provided everything is in order then I will be discharged in a year or earlier. They also said off the record that it could be earlier. Also I must inform them of any changes in wages, address or assets.
There was no mention of an IPO or IPA so I don't know it there is going to be one put in place. I guess I will find out.
Bit more relieved it is over. Now I'm just going to wait for a year or some earlier good news. Fingers crossed
I will keep you informed and I hope this will help other people who are worried about the whole process