HOME  FORUM  MEDIA  EVENTS  ARTICLES  TV  BLOGS
•Home
Bankruptcy:
•Bankruptcy Information Center
•What is Bankruptcy?
•Is Bankruptcy right for me?

•How to declare Bankruptcy?
•What happens to my assets?
•Bankruptcy and credit rating

Forum:
•forum
•register
•search
•faq
•experts

Blogs:
•Bankruptcy News
•More...

Media Room:
•Press releases
•Media Coverage

Other:
•About BankruptcyHelp
•Links
•Contact us
•Debt Glossary
•Insolvency jobs


FORUM
  > Browse and post on our forum
Home   |   Profile   |   Register   |   Active Topics   |   Members   |   Search   |   FAQ

Welcome to our Forum, please register if you want to post
Ask a debt question
See the last 250 posts
Watch video on how to use forum
Username:
Password:

Save Password
Forgot your Password?

 All Forums
 archive
 Forum Questions
 Had 8 years of constant struggle I really need some help. I'm scared and feel worthless
 New Topic  Reply to Topic
 Printer Friendly
Author Previous Topic Topic Next Topic  

Nonnon
Starting Member



6 Posts

Posted - 26 May 2014 :  14:31:40  Show Profile  Visit Nonnon's Homepage  Reply with Quote
I'm on benefits mostly made up from my baby's disability benefits and Carers allowance I have furniyture tv etc that belongs to my boyfriend in my home as I have nothing after suffering domestic violence in previous relationship I wanted to know what do I do as I know there are debts I know are not on my credit report and they have been repeatedly sold to debt collection agencies but I don't know who owns them now so what do I do I don't know what to write down also it's come to light a ccj against me I didn't know about it's over 6 years old but didn't know about it so there could be others I don't know about can't find them on credit report so what can I do I'm constantly crying can't eat feel worthless and my kids would be better off without me I need help I'm scared I've buried my head in sand for long time as I can't cope with everything had eight years of constant struggle withvarious things in life I realyneed some help

Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 26 May 2014 :  14:44:13  Show Profile  Reply with Quote
Hi and welcome to the forum.

Please don't feel worthless, your debts can all be sorted. Have you taken advice on what to do? How much debt do you think you have. If you choose bankruptcy, don't worry if you miss anyone off the forms, they'll still be included.

Please speak to an expert and chat through everything.

We're all here if you want to carry on posting.



Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Go to Top of Page

Nonnon
Starting Member



6 Posts

Posted - 26 May 2014 :  15:00:43  Show Profile  Visit Nonnon's Homepage  Reply with Quote
Around 30,000 at least from around 8-6 years ago had good job ended up out of work couldn't meetpayments have had problems with DVD so had years trying to sort my self and children's safety had priority debts rent arrears council tax gas electric fr my address am in agreements with these and paying but I couldn't cope with life with it all and debts were last thing I could deal with as know I can't afford them now I am a full time cater for baby with cystic fibrosis so still struggling coming to terms with this my children don't have a lot but me my boyfriend doesn't live me as I'm scared to at moment I'm going to cab tomo but feel so ashamed I can't sleep anything I'm only little anyway but lost over a stone in two weeks since a letter from Lowell financial I can't do anything about a ccj I didn't know I had and I don't want my children suffering bailiffs etc they've enough to deal with already thanks :''(

Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 26 May 2014 :  17:31:31  Show Profile  Reply with Quote
Hi and welcome.

I agree with Viki that you should speak to an expert. BR could be an option but you really do need to take some advice.



The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page

Nonnon
Starting Member



6 Posts

Posted - 26 May 2014 :  19:44:10  Show Profile  Visit Nonnon's Homepage  Reply with Quote
I've Been looking at things about bancruptcy but seen so much that scares me only income is benefits with Cben and dla for baby but seem some say these have been used for payment from bancruptcy too I couldn't afford the things I have to do like travel to hospitals over 200 nap pies a month much more food than normal as baby who is one has to eat and enack around six to eight times a day and has to have a very high calorie dieti don't smoke drink or go out we don't go on holiday because can't afford it and I filled something in and it just said result saying cut down on food etc also any income I have if anything left over I have to account for emergency child are or hospital admissions as I can't be left with nothing then not be able to pay someone to look after children or get hospital if needed I saw it said would freeze account too I don't have any other account than a basic Barclays one already all benefits are paid into this I can't get them any other way it just all feels so hopeless now I just want to be able to sleep stop crying and feel like there something worth carrying on for x

Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 26 May 2014 :  20:26:45  Show Profile  Reply with Quote
Please please speak to an expert.

If you have less than £20 per month disposable income (after your normal bills have been paid) then the chances are that you won't have to pay anything across.

Unless you bank with HSBC or First Direct then you should be fine.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page

Nonnon
Starting Member



6 Posts

Posted - 26 May 2014 :  22:14:42  Show Profile  Visit Nonnon's Homepage  Reply with Quote
Also I'm almost certain some of the debts would be statute barred but how would this effect anything !

Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 26 May 2014 :  22:38:33  Show Profile  Reply with Quote
If they are statute barred and you have not acknowledged them then they cannot contact you.

If you speak to an expert they will give you free advice.

If you declare BR then all debts will be included but do pick up the phone to check.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page

Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 26 May 2014 :  23:03:48  Show Profile  Reply with Quote
With your level or debt and your situation, it does sound like bankruptcy could be your best option. As well as your visit to the CAB,I suggest you also have a chat to an expert.

Have you got an appointment with a money advisor at the CAB tomorrow?



Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 26 May 2014 :  23:11:14  Show Profile  Reply with Quote
Please don't feel useless - we've all been there and you will come out the other side.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page

Nonnon
Starting Member



6 Posts

Posted - 27 May 2014 :  00:46:41  Show Profile  Visit Nonnon's Homepage  Reply with Quote
No there was no one there or answering phone so am going in morning as soon as they open I was going to ask to talk to money advisor though or get appointment the one debt that is the majority is credit card from near six years ago will be six years end of June will that make difference to bankruptcy also what income will be taken into account for payments with bankruptcy as all I have is benefits and daughters dla and Cben that's what I don't understand !

Go to Top of Page

Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 27 May 2014 :  04:34:10  Show Profile  Reply with Quote
If you haven't an income from a job then you won't have to pay anything back as all you are getting is benefits which are for you to live on and care for your child.



Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 27 May 2014 :  07:54:12  Show Profile  Reply with Quote
Let us know how you are getting on Nonnon - ask away with any questions or concerns you may have and we will do our best to help you.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page

Nonnon
Starting Member



6 Posts

Posted - 27 May 2014 :  20:51:41  Show Profile  Visit Nonnon's Homepage  Reply with Quote
Hi thanks guys were looking into checking whole of credit file they said something about my largest debt poss being statute barred I looked on file and know that due to being in a mess and having lots of problems no acknowledgement of debt or payment been made by me for over six years at least how do I get them to sto chasing stat barred debt how will I find if any ccjs on me that are over Six years old they never answered me that as I'd like to know !

Go to Top of Page

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 27 May 2014 :  22:38:50  Show Profile  Reply with Quote
Hi,

Check your credit record with all three agencies to see what they have recorded against you. Experian, Call Credit and Equifax.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


Go to Top of Page
  Previous Topic Topic Next Topic  

 New Topic  Reply to Topic
 Printer Friendly
Jump To:
bankruptcyhelp.org.uk Forum © bankruptcyhelp Go To Top Of Page
Powered By: Snitz Forums 2000 Version 3.4.06