help again

alwaysskintsarah

hi its me again received a letter and a phone call from vodafone i owe them 527.00 in the letter it says i have 7 days 2 bring the account up to date or they are going to bring further action on the phone they told me that from the 26th they r sending the blaiffs around they said they will hold itoff for 2weeks 2 see what i can do i told the if i could afford 500 i would go to court and sort everyone of my creaditors out!they sayin the letter about taking me 2 court if they do this will then make br with every1 else? im worriedif the baliffs come as this is my parents house and i dont have anything they can take.
Also ive just found out how much problems my parents r in and they can no longer afford to live pay the mortage where we are so they are having to sell the house this means that i have to go and rent somewhere just looking for any help with that, as i might move with my boyfriend if we claim 2gether will it affect my br when i go through with it as i cant find the money to do it yet and problerly be better if i get a place to live before i do it he also has a car but has also got debts like the hpi on the car will this work out better or not as the household bills will be more as advice is greatfull sorry to babble on lol thanks again sarah

sausageface

Hi Sarah,

Vodafone can't send bailiffs in. They would have had to have issued Court proceedings and obtained a CCJ against you. Waaaaaay after this (after you make offer of payment, albeit £1 whatever you can afford) they would have to obtain a Warrant of Execution and then instruct Court bailiffs. Just ignore their empty threats. If anyone does turn up at your door, don't let them in and ignore them, they have no power to do anything or take any of your property.

Re. your personal living circumstances; I'm sorry your parents are also having troubles. If you are not ready to live with your boyfriend yet could you see if your parents could rent somewhere where you could live with them? But, also, dont hold off living with your boyfriend because of bankrupty, if he makes you happy then go for it, if your joint contributions mean you get an IPA then what does it matter if your doing what you want and living with your man? But, in any event, if he has his own debt obligations to consider then his household contribution will not be all of his salary.

Sit down with him and/or your parents and work out what you want to do. Bankruptcy is a fresh start after life has s*****d on you. How do you want your fresh start to be. Figure that out, then work from there...


xx

lisamummytoarchieplusbump

yep i second what sausageface has said

lisa