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Merry - Ramblings of an undischarged bankrupt!
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DITTOThe triumph of hope over experience
mea culpa mea culpa mea maxima culpa0 -
I'm really sorry to hear that Merry
I have nothing to add to what others have posted but make sure you take care of yourself through this tough time and keep your chin up. You can and will get through this.
Take care
DecemberBSC support number 158
weight loss - 52lbs0 -
*blows away cobwebs
Hi guys, will try to post a bit more regularly. Have been a busy bee on the phone - finding out about all the benefits, etc that I am not entitled to cos of H's salary but may well be once we have separated house-wise. Wish there was just one central form I could fill in and they say, yep you can have this, this, this and this - would make doing all those sums much easier :rolleyes:
Been a long long week, but coming to an end fortunately. Hope everyone is doing ok :grouphug:Get free advice before embarking on bankruptcy: CCCS 0800 138 1111 National Debtline 0808 808 4000
Business Debt Line 0800 197 6026 CAB Insolvency Service- 0845 602 9848"He who laughs last didn't get it!" :rotfl:BSC 134
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(((hugs))) Merry.
Sorry to hear about your split but I hope that life will start improving once you move.
Why not pop your details as they will be when you move into https://www.entitledto.com and it should tell you which things you should be claiming then. Then all you have to do is get in touch with those places and get the forms.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
You fabulous person you - thank you!!!!Get free advice before embarking on bankruptcy: CCCS 0800 138 1111 National Debtline 0808 808 4000
Business Debt Line 0800 197 6026 CAB Insolvency Service- 0845 602 9848"He who laughs last didn't get it!" :rotfl:BSC 134
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Glad you found it usefulBSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0
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Scarlett.1974 wrote: »The letter we sent to NR to try and do voluntary surrender (note the dates :rolleyes: )
31st January 2008
Names
Address
Dear Sir/Madam,
Re: Account No. xxxxxxxxx. Address as above.
With reference to the above and your letter dated 14th January 2008 within which you enclosed a Voluntary Surrender statement for us to complete and return. We will not be signing the aforementioned statement and would request that you take this letter as our formal request for the voluntary surrender of the property.
We voluntarily surrender possession of the above mentioned property to Northern Rock and agree to the sale of the property.
We understand that the proceeds of the sale will be applied to the account to pay off in whole or in part the balance outstanding.
We note that Northern Rock are at liberty to remove and/or sell any items of a personal or household nature remaining in the property after the date of our giving possession.
We confirm that the property will be vacant from today's date, Thursday 31st January 2008.
For your information, we can now be contacted at the following address and would request that all correspondence be in writing only to this address:
New address.
Yours faithfully,
Names.
Nicked this cos something we can definitely use!!All good in Merry's house - kids have been told about us separating and are reacting well, so fingers crossed eh!
Get free advice before embarking on bankruptcy: CCCS 0800 138 1111 National Debtline 0808 808 4000
Business Debt Line 0800 197 6026 CAB Insolvency Service- 0845 602 9848"He who laughs last didn't get it!" :rotfl:BSC 134
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So how long do you reckon it will take for the OR to go through our SOA's and decide if there is surplus income? I sent mine back last week - not sure if H has sent his back or not
We managed to work it out so we were within our means, but with little surplus - easily done with the way prices are going up all over the place :roll: but just in case they disallow anything I am ready to have to pay something.
Spent a lovely day with my ladies - window shopping, yoga, watching DVDs, but back to work tomorrow - sigh. I love long weekends, but it makes Tuesday feel like Monday!Get free advice before embarking on bankruptcy: CCCS 0800 138 1111 National Debtline 0808 808 4000
Business Debt Line 0800 197 6026 CAB Insolvency Service- 0845 602 9848"He who laughs last didn't get it!" :rotfl:BSC 134
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Hi Merry,
Thanks for posting the vol repo copy letter....I`ve been awake all night worrying about the `old` house & trying to build up the courage to deal with it once & for all. That letter will really help.
Good to hear all sounds calmer in `Merry - world` ...I know its tough sweetie but you are doing great! Enjoy work tomorrow...ooops today!
Angiexx0 -
Hi Merry
You are doing everything sooo right. You are one very very brave lady. I am sorry i wont get the opportunity to meet you and shake your hand girl. You just keep doing what your doing and you and your girls will be fine.DFree impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0
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