can someone please help-i am desperately worried

dancingfairy

Don't worry. You've done your SOA which is a great start. As stated by other people - best to get in touch with CCCS/Payplan/CAB etc today and get the ball rolling to see what help you can get. Our CAB has an open morning where you turn up and queue and you get seen there and then (well you need to get there about 9.30 ish) for it to open at 10 otherwise you have to queue for a while but why not see if yours does something like this?

Also I think you really need to go and see your doctor. You are obviously struggling - like me although I don't have kids to worry about. Maybe some counselling would help - it sounds like there is something else going on besides money issues that needs tackling first.

ANyway you are on the right road now.
Good Luck

mumjules

Hi Guys

Just to let you know that i bit the bullet and phoned my mortgage company. I spoke to a lovely lady (why i haven't done this before?) and she went through everything with me. We came to an agreement - i will most definately have to tighten the purse strings - but she advised at court on Monday they will asked for a suspended order and not full repossession. I know it isn't the end of my problems, but at least i might sleep tonight knowing i am being given a chance. I want to thank you all so much for your support last night and today, without i wouldn't have done this today.

Jules xx

MrsTinks

Have you called CCCS or CAb yet?

mumjules

I have called CAB and they have made an appt with me. I just need to get everything together for them. I am also going to act on dancingfairys advise and get an appt with my doctor. I have waited to long to sort myself out - and now i have been given a chance thats exactly what i plan to do

dancingfairy

Glad to hear things are starting to go in the right direction.

I would phone National Debtline though as I am not sure about a suspended repossession order. I think it means that as soon as you don't stick to the repayment plan you house could be at risk. Please check with National Debtline as you may need to get representation and if you can avoid a suspended repossession this would help.

MrsTinks

Yep the minute you miss a payment that's more than likely it... I don't think there is much you can do unless you can cover the outstanding arrears though...

mumjules

I know i am not out of the woods but i have a short stay of execution untill i have got the right advice. I am still waiting on a call from CLS (which is also the CLA?) i will know a bit more legally and if i can get representation. I think MrsTine is right...its all the arrears to stop any sort of action, which isn't going to happen at the moment...i will still work on it

mumjules

Just to let you know...i have been browsing this site...how fantastic is it?? I have been to the old style board and picked up some brilliant stuff. Even when i thought i was being frugal before, i so wasn't. Have printed off some vouchers (only for stuff i need or use!!). Tomorrow i am going to plough through a load of stuff and get back to my ebaying. Really fancied a glass of wine earlier and would have normally popped to the shop, but told myself that is the 1st thing to go!! Thanks again guys xx

MrsTinks

Told you You'll be cackling over £2 coins, getting paranoid over 2p discrepancies in your budget and telling anyone not fast enough to run away about the joys of spreadsheets. Ach lassie there is no hope for you now... you've become... A DFW!!!!

MrsTinks

OH and if you get bored (HA!) the celebrations board have some cool ideas for home made presents for christmas

Normally I start in January but I'm behind this year due to getting hitched so have some MAJOR catching up to do!