despairing....

all_hours

hire purchase is for my motorcycle as its my only form of transport

One difficulty is that I can't actually ride my motorbike as I am too short for it


is this thread a wind up?

if you can't ride the bike why not sell it, if you can ride it why not use it to travel to a job?

lynzpower

Angela D your comments are both unwelcome and unhelpful. Please do not post if you have nothing positive or constructive to contribute. Its hard enough for OP to post here without your vicious comments.

INhell, most of my clients are housebound or very infirm and the bulk of the carework I organise is for people at home, such as cleaning, shopping, and personal care at home, sometimes laundry & ironing in the clients home, most of the carers i organise dont take laundry home to them, if anything they might take to a launderette, but only if there is one very local, ( its london so there is usually one close)

You havent said what your local town is, if you do, we might be able to help point you in other directions

Also have you spoken to the HR if you work in the council, chances are there may be other more opportunities that they havent got clearance through budgets to advertise, for example secondment cover. DO CHECK THIS OUT. as an example, there are 2 jobs going in my team which we havent got clearance to advertise and we are hoping that someone "internal" will be able to come on board, at the moment we are recruiting via HR only by the asking around route.

ollyk

InHell wrote:

Angela- the debts were due to uncontrollable circumstances- which you don't know about- anyone can fall on bad time sno matter what their profession. Why do I bother posting if all I am going to get is abuse?!!!

Yes but I think you are missing the point. Unless your wage was substantially higher (and I mean SUBSTANTIALLY) you both raised debts that you couldn't really afford even when you had a job!
I still think you are not being transparent enough with your monthly spends, especially where the pets are concerned, and as for the motorbike, what were you thinking when you bought the thing?

nadnad

all_hours wrote:

hire purchase is for my motorcycle as its my only form of transport

One difficulty is that I can't actually ride my motorbike as I am too short for it


is this thread a wind up?

if you can't ride the bike why not sell it, if you can ride it why not use it to travel to a job?

although this does seem extremely odd the OP did ask us not to ask about the bike. I have struggled with this and so can I ask how you ended up buying a bike you are too short for - how is that possible? Do you have a motorcycle license?

Inhell keep posting please ignore the less helpful comments.

Angela D why are you being so unhelpful? why are you on this board? its full of people who have gotten themselves into debt and they are looking for help - if you cant provide help or support then seriously go away, find yourself a board where everyone is as self-righteous as yourself, where no one makes mistakes and no one is in debt. You are making me so angry. :mad:

lynzpower

Ollyk
PLease dont start having a go at inhell, im sure its not helpful for them

I would say however, it might be time to sell the bike, and throw the proceeds at the loan for it. Yes you will be out of pocket, but the sooner you sell it the less likely it will be to depreciate further. Im guessing its barely been used? You might get more for it than you think, have you looked in exchange & mart or on ebay for what they sell for?

all_hours

nadnad wrote:

although this does seem extremely odd the OP did ask us not to ask about the bike. I have struggled with this and so can I ask how you ended up buying a bike you are too short for - how is that possible? Do you have a motorcycle license?

People can make massive mistakes impulse buying, that on its own would be understandable. But how can a bike that they can't ride be their only form of transport? This is a big contradiction.

Doomed_Economy

I agree in entirity with AngelaD. It's no good !!!!!footing around here.

All I can hear is "yes but, yes but..." It seems that the original poster doesn't want to help herself. Buying a motorbike that you are phsyically too short for is ridiculous, & would seem to support uncontrollable spending rather than uncontrollable circumstance.

The poster claims that she ran up the debts whilst unemployed, yet now only works 2 hours per day. It sounds, as cruel & heartless as some of you may think, like the original poster just wants an easy ride & isn't prepared work or to resolve her own problems. Husband cycles 16 miles one way to work every day, she doesn't want to have to travel to a suitable job.

"yes, I would apply for a job at the hospital, but it might shut down.... yes, I could work in an old peoples home, but I'm not qualified & they'll be moving to a warden service at some time in the future..." Utter nonsense. Old peoples homes are always crying out for people, you can find employment there without hatfuls of qualifications, & if you're only working 2 hours per day you have no excuse not to get off your backside & do the training.

You should go bankrupt, because as another poster stated, your husband has no right to advise others if he can't manage his own finances, but on the other hand people like yourself should be forced to pay the debts that they have irresponsibly accumulated.

For what its worth, it sounds like your husband has been the main source of income, & you have been the main source of spending. You need to get a job & sort the mess out, but somehoe I get the feeling that that won't be happening.

nadnad

i know and I'm wondering this myself - maybe the OP can clarify.

Please understand Inhell that we aren't getting at you but the more we understand about your situation the more we can help and the more relevant our suggestions will be.

roswell

You have assets to sell but wont, you have opertunities of employment but arent trying, £5 an hour for a few hours bar work is still more than your earning regardless.

just a tip about your bike your house etc, The entire value of everything you own is £0 while you own it.... when you sell it you will get the true value which is what ever someoen will pay for it, regardless of paying £3000 for a £1999 bike if you get £1000 thats still £1000 less than you owe at present.

noyk

all_hours wrote:

hire purchase is for my motorcycle as its my only form of transport

One difficulty is that I can't actually ride my motorbike as I am too short for it


is this thread a wind up?

if you can't ride the bike why not sell it, if you can ride it why not use it to travel to a job?

I think you might be right about the wind up with regards to the bike, it sounds abit monty python ish to me, however on a more constructive note i would say that you are quite young at 21, and although your OH is older, a bankruptcy is not at all a bad idea, it will allow you to get back on your feet; Sometimes you need to bite the bullet - there is no way you can sort out your debts in a reasonable amount of time with those outgoings.
What about selling the house, could you rent somewhere cheaper in your area, has it gone up in price at all since you bought it? If it has you may be able to pay off some of the debts perhaps?