***Fortuitous Friday 13th November Daily Chat

(Land_of)_Maz

http://uk.tv.yahoo.com/blog/article/345059/

i so would do bradders......

maybe i am developing a thing for men in argyle sweaters.....! GM has a couple but i told him not to wear them in my presence! or i said i'd have to insist he removed it immediately... along with his other clothes!

sallyx

Yes Bun, download the turbo lister then you can sit and do the listings and then upload the whole lot to ebay on Sunday night with a click and all done Much quicker and means you can spread the monotony out over the next 2 days rather than 1 evening!
You know where I am, so shout if you need help.

Oh and its easier said than done when you are feeling low...that vicious downward spiral is hard to get out of, I know hun xx

sallyx

(Land_of)_Maz wrote: »

http://uk.tv.yahoo.com/blog/article/345059/

i so would do bradders......

maybe i am developing a thing for men in argyle sweaters.....! GM has a couple but i told him not to wear them in my presence! or i said i'd have to insist he removed it immediately... along with his other clothes!

:rotfl::rotfl::rotfl:
You make me laugh...
I so wouldn't bradders.....

sammy115

I know if someone had told me to pull myself together I would have been tempted to head butt!!!

sammy115

I so would Tim Roth!! now should I drive to KFC?

Quirkylass

Hello Bookie (from an old poster and long time lurker )

I hope you don't mind me posting this message but I was quite concerned about you after reading yesterdays Chat Thread.

I have kept up to date with your problems and worries and understand the difficulty you have been through and are still going through and I know it's none of my business, so please forgive me for posting if you think I am out of order.

Somebody mentioned Bankruptcy yesterday and I understand (please correct me if I am wrong) that you have a large secured loan on your home (and mortgage), you didn't seem to like the idea of going BK (quite understandably) but I felt I had to post, maybe just to warn you, though hopefully not frighten you.

I understand you are getting some HB to help with the mortgage? but with regards the secured loan, if no arrangements are made and firmly in place, the loan company have the right to demand your home is sold, this would mean that firstly your mortgage is paid off and then the loan. But the problem is that if your home doesn't sell for its full market value (and this could happen, especially if it went to auction) then that will leave an amount owing for which you would still be liable, with no home etc

If you made yourself BK (and I honestly do understand why you would not want to) then all outstanding debts, mortgage, secured loan etc etc would be wiped out and as you have little income you would not be expected to pay an Income Payments Order if there was any debt left after the sale and payment to the mortgage company and secured loan company. You woould, as they say, have a clean slate and most BK's are discharged after 1 year.

I know its a lot to take on board and very upsetting, and I apologise if I have upset you but I am just trying to help. Please, if you can find the courage, post on the BK board and the lovely people on there will be of a great help and support.

BK used to have some stigma attached to it but I think nowadays its becoming the norm, you have NOTHING to be ashamed for and there are people that just run up debts knowing they can make themselves BK, totaly unlike yourself and posters on the BK board, now they have something to be ashamed of and give BK a bad name. It's not a BAD thing to do and does not make you any less of a decent, warm, lovely person, just sometime needs must and I would hate to see you lose everything. Keep your dignaty intact and do something before it is taken out of your hands. You deserve more. It's not easy, I am not going to say that but please, seek some advice before it's too late.

I am so sorry if you think I am sticking my nose in where its not wanted, I just wanted to try and help, if only a little bit and reassure you that you have nothing to be ashamed for, nothing at all and I would be so proud to call you my Mum, your DD's and Grandson must be so proud of you as you are of them.

take care xxxx

Snaggles

Thank you Quirkylass, that is lovely x

sallyx

sammy115 wrote: »

I know if someone had told me to pull myself together I would have been tempted to head butt!!!

And that can be quite painful

(Land_of)_Maz

sallyx wrote: »

:rotfl::rotfl::rotfl:
You make me laugh...
I so wouldn't bradders.....

Good, cause i don't want to have to beat you up over it, would spoil a beautiful friendship!

sallyx

(Land_of)_Maz wrote: »

Good, cause i don't want to have to beat you up over it, would spoil a beautiful friendship!

lol Im sure there is someone else we can do battle over.....Michael Buble, or are you handing him to me