** Tuesday 11th August Daily Chat**

pepe2008

bank_of_slate wrote: »

Maybe I'm just suspicious but there seems to be a lot of newbies starting threads on the DFW board today and then they just immediately go offline after just 1 post. :think:
Hmmmmmmmm.
... Linda xx

There were a lot last week too...

One claimed to be 17 (!) in debt by £50k to CCs, living with his disabled Mother etc etc etc ..talk about a ringer!

bookseller1980

pepe2008 wrote: »

....non existent Bank:D:p
You,ve just saved me reading through weeks of missed posts! Thought you'd done that...would it be wrong to say Well Done? I know how good it felt to sell off my Business two years ago...

Brief synopsis. Shop closed last month. Spent 2 weeks in USA staying with a friend. Returned to sort out the mess!
Feel really so much better for havong made the decision but still have all the debts to sort out and no job in sight. Biggie is the 50k secured on house. Wonderful great aunt had offered to 'lend' me 25k and am trying to work out how to best use it.

pepe2008

bookseller1980 wrote: »

Brief synopsis. Shop closed last month. Spent 2 weeks in USA staying with a friend. Returned to sort out the mess!
Feel really so much better for havong made the decision but still have all the debts to sort out and no job in sight. Biggie is the 50k secured on house. Wonderful great aunt had offered to 'lend' me 25k and am trying to work out how to best use it.

It may depend on what equity you have in your house Booky but Lloyd TSB are in much the same position as Northern Rock were/are. They would have to pay out a load to realise their Security and they need to get cash in........a settlement would be considered I'm sure....and £25 may be enough, maybe even a little less

bookseller1980

pepe2008 wrote: »

It may depend on what equity you have in your house Booky but Lloyd TSB are in much the same position as Northern Rock were/are. They would have to pay out a load to realise their Security and they need to get cash in........a settlement would be considered I'm sure....and £25 may be enough, maybe even a little less

There is enough equity in the house - I would be homeless of course.
I have 10k due to suppliers and OD. Obviously credit cards but they can wait.

Gemmzie

Credit cards are way down the list of priority Bookie, they can't have what you ain't got. Pay them each £1 by SO and they can lump it.

bookseller1980

Gemmzie wrote: »

Credit cards are way down the list of priority Bookie, they can't have what you ain't got. Pay them each £1 by SO and they can lump it.

I'm doing that and ignoring them!

How did MRI go?

pepe2008

bookseller1980 wrote: »

There is enough equity in the house - I would be homeless of course.
I have 10k due to suppliers and OD. Obviously credit cards but they can wait.

No expert Booky, but it is prob best to sort out all your Business stuff and draw a line under that and then concentrate on the rest once you know that Tax, VAT etc etc are all completely done and dusted on that front.

Its hard to adress any Personal debt until you know your Personal Circumstances. As Gemmzie said, send em £1 a month.....they cant have what you aint got...and they know it. Just keep everyone informed.

Burlesque_Babe

Toto wrote: »

But it was a thank you card from Amy, saying she really appreciated his work and a cheque for £1000.

Get that caravan re-booked woman


Off back to catch up..........

redsquirrel80

Helloooo... working late... well, messing about on t'internet in peace and quiet late anyway

bookseller1980

pepe2008 wrote: »

No expert Booky, but it is prob best to sort out all your Business stuff and draw a line under that and then concentrate on the rest once you know that Tax, VAT etc etc are all completely done and dusted on that front.
No tax liabilities and only maybe a tiddly bit of VAt. No VAt on books.
Tempted to try to negotiate with Lloyds.

Its hard to adress any Personal debt until you know your Personal Circumstances. As Gemmzie said, send em £1 a month.....they cant have what you aint got...and they know it. Just keep everyone informed.

Been doing £1 a month since June. CCCS. Least of my worries!

Sorry to think out loud on here but it helps.

Burlesque_Babe wrote: »

Get that caravan re-booked woman


Off back to catch up..........

Another Weymouth meet when I can come. Good thinking BB. :T