Deficit Income and Bankruptcy

dalip

I just can not get over the change in you form sat/sun to now. It is great to see and should be such an inspirtation to others, that it is never the end of the road,no matter what we might think. There is always hope and this forum:D . Long may it last:T

AnnesWitterings

Morning Dalip

Thanks..I kinda have changed, I used to be a feisty go get `em type, I lost myself amongst the worry of debt, horrible workplace and my marriage breaking down...the final and most awful thing that tipped me over the edge was my sister commiting suicide in Sept 2005 through debt.
I have an awful loathing of DCA and bailiffs and just the unsympathetic way that companies ignore the fact that due to circumstances someones life can change almost overnight. But!!! I am also more realistic that most things with time are doable and sortable.

I had a comfy lifestyle 3 years ago, no money probs, 2 wages coming in,my daughter had her own horse and my son had all the latest techno gadgets and he had new car on the drive every couple years, holidays, god knows I must have been a a right sanctimonious self rightous prat in my rose tinted comfy world

Fast forward 3 years..I have a one bedroomed council flat, overdrawn bank balance, no job, diagnosed with borderline Bi Polar and am in debt and guess what Im at the happiest point of my life right now, sure debt has worried me and I hate the sound of the letterbox rattling, and all the hassle Ive had but out of it has come a realisation that money cannot buy peace of mind and the simple things like folks compassion for others and friendship built on nothing but mutual respect.
My friends disapeared along with the money when I gave up the keeping up with the Joneses game.. I have nothing to prove to anyone other than to myself that I am at heart a basic lovley lady with a bit of a soft heart .
I only need a secure place to live I have that, food in my belly, I have that, clothes to cover my body I have those, I only need one seat to sit on, one bed to lie on,posessions I have a few, goodness when I look back at the person I was 3 years ago I shudder,I must have been awful.
Im grateful for what little I have, my richness comes in the form of friendship given to me by people who have nothing to gain other than a pleasure in knowing me and I knowing them...
I know this all sounds simplistic and twee...but I really am at the most contented point of my life..the one thing I miss above all else is the fact I will never be able to hold my sister and say lets make it ok for you, we can make anything happen...but I can help others the way you all have helped me on here...and long may this forum continue.... now Ive had my mornings moment of wisdom I had better go and do the brekkie dishes...who needs dishwashers I have my two hands and bottle of Lidl washing up liquid and my Stardrops :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

Anne

AnnesWitterings

Another day gone...have a sore toe cause I dropped a full bottle of milk on it before it smashed to bits on the floor, more annoyed at the waste..so am nursing a sore big toe :rolleyes: :rolleyes: :rolleyes:

:rolleyes: Im getting obsessed with checking Bankruptcy petition lol ..have all my answers in my head...just raring to go ...this time next week it will all be over:T

Dear ex boss has ranted down my answerphone again, Im a vindictive cow and am not having my job back???? seems hes sought legal advice re his situation and was told it was not good, the girl in the personnel office told me he took my file out and was muttering that there was nothing he could say bad about me lol:j :j :j and who wants the horrible job back anyway certainly not moi:rotfl:

The mechanics and handyman he sacked have at same time as me have all signed along with me re constructive/unfair dismissal...Im not letting this lie he owes me notice and holiday money which will come in useful if I ever ever get it. probably have to give it to OR

Hope youve all had a nice day will post tommorow bye for now
Anne

twinklesparkle

Anne,

You make sure that you get what you deserve and maybe that nasty ex boss of yours will finally learn that he has to treat his employees with respect and that he has legal obligations that he must fulfil otherwise he will not only be in trouble but will end up with a very big hole in his pocket.
I'm glad you are feeling positive about your BR, I did it and it was the best thing i could ever have done. I was not sleeping properly and was really worrying about how I was going to pay everyone. When eventually decided like yourself looked at the forms and couldn't wait to get started. Now been discharged for over 3 months after having to do a full year which actually went quite quickly. the only thing i would suggest is that if you have an account which you won't be able to have as a BR, you try and get yourself a suitable account so benefits can be paid in. Co-op have a very easy to get one and i find the internet banking very helpful, you can always see what is in there. You also have electron debit facilities which make paying bills much easier. I'm sure there is more info on it elsewhere in another forum.

take care and ireally hope it goes well

AnnesWitterings

thanks twinklesparkle

ive had some lovley advice and help in here and am very positive about my future...

anne.