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Skint101
Starting Member
18 Posts |
 Posted - 27 September 2010 : 20:41:52
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Thanks Tracey. I am just pertrified because my IP may feel I have messed them around. I know I will have to make the call. It's just holding it together long enough to see the call through.
Anywhere else, HR may be able to help, but this is rare bunch I am working with and they are known for their tactics. Somehow, I end up being the baddy. HR know I'm not but nothing really gets done. I have been there for four years, treading water for our debts.
I am even considering going to see the doctor in the morning because it is all too much. I was crying part way through the day today and had to run to the toilet. My boss I think needs to be told I have things going on at home too as he things it's all work related... |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 27 September 2010 : 20:50:52
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I'm sure your IP won't feel that you've messed them around, and she will appreciate that you can't carry on like this.
I've had a similar problem with HR at a previous company - I went to them for help and ended up leaving the company as I had no support from HR or my manager so I can understand how you feel and how difficult it is. I was lucky as I still lived at home.
It would be worth going to see your GP as they may be able to help you as well.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 28 September 2010 : 13:12:13
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hi Skint 101,
I've read your posts to which you have my sympathy and it does seem that BR may be the only option.
As regards advertising of your bankruptcy,the only publication it goes in is the London Gazette, which is mainly read by financial institutions.
The Liverpool OR office stopped advertising bankruptcies in local papers in April 2010 as a cost saving measure, whether it's national I'm not too sure.
Bankruptcy does not have the stigma attached to it, that it used to, it will be on your credit file for 6 years(same as a CCJ), but most people are releived they can't get credit!
As for the house, with it being in negative equity no creditor would be interested in it, and for £1 and the OR's fees of £211 you could buy back the beneficial interest(BI), meaning that even if it moved back into equity within 3 years(that's how long property remains in the bankruptcy estate to be dealt with), a creditor wouldn't be able to claim it. However, a point to consider, is that if you did buy back the BI, then had difficulty with the mortgage, and subsequent repossession then you would be liable for the shortfall, so only do it, if you're confident of being able to keep up the mortgage.
Insolvency Examiner with the insolvency service until July 2010....contract ended due to cost cutting.
Remember you're not alone!
Big Al |
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Skint101
Starting Member
18 Posts |
Posted - 28 September 2010 : 20:29:17
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Thanks Bigal.
Had a terrible time at work this morning. Just couldn't face it. Went to see my boss first and broke down in tears. After blubbing for 20 minutes he sent me home. Couldn't get in the doctors so will need to try tomorrow morning.
Thanks again to everyone for the support. I've seen a couple of jobs too so fingers crossed.
x |
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Making myself ill with stress
