| T O P I C R E V I E W |
| Mr and Mrs |
Posted - 25 October 2008 : 16:07:13
Hi, This is my first time, so please be kind.
Me and my husband are facing up to the fact that we have to declare ourselves BR. This year we have gone from 2 to 1 income (my husband is in construction and the work hasn't just dried up, it has completely evaporated, so have practically no income at the moment). We have a motgage, which is almost 3 months in arrears,we do have PPI on this but it's taking ages to actually start paying out (we recently found out we have negative equity if we take into account the first and second charge - the value has dropped £24k in the last 6 months- it just gets worse), we have a secured loan which at the moment is up to date but not sure for how long, we have about £26k of various other depts. at the moment we are making token payments (as advicesed by CCCS) to all 26 of out creditors (ranging from £250 to £4000)but this just seems to be annoying them judging by the angry and constant phone calls, some are accepting our offer but most aren't.
I need some advice on where to go now, we have read loads of information on here, but i don't know what we can do for our circumstances, we have 3 young children, no money for BR fees, and moving would be expensive as well as upsetting for the kids. We know we'll have to, but we don't want to be forced to do it by the mortgage lender or the second charge lender until we can find somewhere else to live, resettle the kids in new schools (took us long enough to get all 3 children into this school) and move jobs etc..... plus it is so hard to rent somewhere if you are BR, as BR can't hold a tenancy, you have the moving costs and deposits etc.
HELP!!!!!!! need advice as me and hubby are at our wits end (and the old man is starting to get narky and hard to live with, LOL, love hime to bits reallY) -
Sorry to prattle on for so long, it just feels a releif to find somewhere to talk about this without feeling ashamed of our financial predicament.
Right, my next website to visit, is the Samaritans LOL
Thanks
Alexandra (or just Alex for short) |
| 15 L A T E S T R E P L I E S (Newest First) |
| Mr and Mrs |
Posted - 08 November 2008 : 10:33:04
Hi everyone thought I’d let you know what the state of play is with us...
Right something very funny happened yesterday we got a call from one of our creeps asking for money, funny how they never call but leave a message asking Us to call them at our cost, why don’t they call to talk and not just to leave a message asking us to call them, anyway my wife called them back at work and when she called me to tell me what they had said she was very upset.
They said that we had the money now we have to pay, she told them the we know we had the money but we never thought we'd be in the place we are now when we had the loan, the man got very rude and said well we are going to take your house from you, well when i heard this i laugh out loud and thought they cant say or even do that, so i got on the phone and gave them hell, said your firm has crossed the line and now we are going to report your firm to the FOS, as we had the mans name on our phone message asking to call him……silly sod really. you should have heard them back track and then said that they would leave us alone until after Xmas then could we please continue paying the £1 per month we wanted to pay them 2 months ago which they keep sending back to us (post order), I said yeah ok ....but by that time we would have filled for BR anyway... it felt good to give some hell back as its been hard to do when your the one that has the debt, you feel like a child (no power) when they call asking for money, you ask my wife i can be the biggest kid going sometimes but yesterday felt good....i think if I’d carried on at them much more they would have written of the debt and given me money. Ha ha
I need to thank everyone on here for posting info here that lets others know that they (creditors) are unable to say such things.
We cant stop tomorrow coming so lets see what it brings. |
| Needafriend |
Posted - 04 November 2008 : 10:08:50
Hey thats great!
I am so pleased that things are starting to look up for you.
Keep us posted and do take care.:-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| Mr and Mrs |
Posted - 04 November 2008 : 09:41:52
Great news today!.
Got a reply from the CSB fund for the arrears on the house plus the BR fee's ...great news!! going to get the ball rolling this week. in total nearly £3000.. |
| Needafriend |
Posted - 25 October 2008 : 22:20:09
Hi Alex
The forms are quite easy to go through but if you need any help just post your question and we will help you.
Best of luck both you :-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| Mr and Mrs |
Posted - 25 October 2008 : 22:06:37
LOL its ok the OH found the Online Forms Service his got big head now.
Alex |
| Mr and Mrs |
Posted - 25 October 2008 : 21:47:03
Thanks everyone
I'd love to get a copy of the forms we'll need to file for BR, if we can have a look at them in advance then 1) they might not seem so daunting when its time to actually do them and 2) we will know the kind of questions and what supporting paperwork we'll need.
Do you know where i can get a copy, can we download them off the internet?
Alex |
| Needafriend |
Posted - 25 October 2008 : 21:40:26
Hey Ray
Your welcome!
:-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| huntersrishon |
Posted - 25 October 2008 : 21:39:23
Hi Ray
I agree 100% it is fantastic to be able to relax and reveal your lifes problems - it seems to ease the burden and makes it easier to cope with it all. I do feel it is like one big family here on this forum. Everyone always willing to give a kind word to others and share their experiences to hopefully help others through it all.
It will all work out for you, for us all!!!!
Take Care
Dee  |
| Mr and Mrs |
Posted - 25 October 2008 : 21:29:56
Thanks everyone
It is a help to have somewhere to air your thoughts.
Ray |
| Needafriend |
Posted - 25 October 2008 : 21:19:08
Hi Ray and pleased to meet you also,
Well we are all here like a big family. We try and help each other through the tough and rough times to the great times when things are finally looking up.
We dont mind what you ask we will do our best to help you and get a plan of action up and running.
The guys and gals that post on here are what make the site and so we all like to give a little back :-)
Just keep on posting and we will be there for you all.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| Mr and Mrs |
Posted - 25 October 2008 : 20:55:02
yeah the London site.
In an ideal world we would have sold just before kick off to the Games and made a few quid for a deposit on a new place but now with my work coming to an end the way it has dont think thats going to happen. hey i'm Ray btw the other hf. Found this site a few weeks back and must say its a great place to empty ones head of the ins and outs of this mess. its better to share is what i've heard.
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| Needafriend |
Posted - 25 October 2008 : 20:50:26
Hi Dee
We are not far from the Weymouth one either, be interesting to see where Alex is too.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| huntersrishon |
Posted - 25 October 2008 : 20:32:50
Hi Alex
Out of curiosity is it the London olympic site or the Weymouth /Portland Dorset sailing site.
We live near the Dorset one.
Dee |
| Needafriend |
Posted - 25 October 2008 : 19:48:24
Well said Alex. Lets see what tomorrow brings :-)
Kazy
I like to keep people on there toes, so you will just have to wait a while longer and see what my little secret is!
Not long now..................
WATCH THIS SPACE.
All you need to know is that i will always and i mean always be here for you all, no matter what and if you ever want a chat about anything ask admin to exchange emails and we will sort something out.
LOL
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| Mr and Mrs |
Posted - 25 October 2008 : 19:40:16
British Gas doesn't sound too hopeful, i am putting more hope on the civil service benevolent fund which i have been paying into for the last 8 years, if not, who knows.
Take that step when we have to. Nothing can stop tomorrow coming so lets see what it brings. |
