Thank you for thinking of me
SW was amazing! So lovely and positive and keen. The only sticking point was a bit of debt we took from previous relationships after selling houses each as the credit crunch was hitting. She said if it wasn't for that she would have booked us on the June prep course there and then. But we all talked and she will refer back to her manager and ring back next week, and in the meantime we were going to approach my parents to see if they would pay off the loan so we would be debt free (although paying them back a set amount each month, it is just not legally binding). SW said that it would be questioned at panel, what if we lost a job, what if we had a sibling group placed, what if mortgage went up, what if I needed to take additional maternity leave etc etc etc. Its best not there if we can help it. She was lovely to be so open, and very pleased we proactively want it sorted. I am so lucky to have amazing parents who are in a position to help, they have said yes and we have spoken to the banks to get them settled asap.
I'm not sure if this will hold things up until we have confirmation in writing they have been cleared, or whether we can progress in the meantime. I guess they are just relying on our word though, so may need evidence first
But she said she was happy we were a younger couple, in her eyes a great thing, thought we were good together, good house safe and secure and ready to fill with a family, good pay and jobs, all was so good other than debt. Honestly thought it would not be a problem as we have savings and surpluss monmey each month, but she said it was looking outside the box, and as I said before, the what if scenarios. Hoping all will be fine once we explain to her next week.
But me and DF happy with agency, SW and the ethos of VA, so all in all it has been a positive day xxxxxx