£100,000 Debt "club"

Justindebt

Yes.....it was Mr. Debtomaniak who called them, or says he did.

Were you present when he called, Debtomaniak?

Debtomaniak

ZTD wrote:

It depends why you drink the wine. If it is for the taste, have you tried buying slightly more expensive wine, savoring it more so not drinking as much and hence spending less?

If you drink to get drunk - then it's Lambrini and vodka for you girl! :rotfl:

I have recently been drinking vodka and orange and once I realised I liked it, I decided better not get used to it, so stopped drinking that. We usually buy wine from Lidl, I would say 1-2 bottles a week. Is that a lot?

lynzpower

I find drinking a funny one. Personally, If Im not getting drunk as a lord Id rather not bother lol. So I save my drinking for parties, bbqs, social events, festivals etc.

Also Im aware that drinking is a depressant ( and its not just the money side of it, although that does depress me lol) and I feel I dont want to be putting added pressure on myself and paying for the privelidge. Right about now, my feeling is Id rather give myself a fighting chance of coping as best as I can without added depressants in my life. OH loves his beers though, but is cutting down for moneysaving. total it up. £3 a bottle, 2 a week 6 x 52 = 624 per year. But then as I said, I dont really bother with drinking I can take or leave it.

Entirely up to you, if you can work it into a budget, you are drinking for the right reasons, and you want to carry on doing it, and you can afford to, then there really is no problem

Debtomaniak

kickingkay wrote:

Hi, hun,
you sound really cheerful tonight so im sorry when i say this but, from what i have learnt this is what happens with an IVA,
if it is in joint names then it will cost about 9k to set up solo i should imagine its half, for about 90k then you need to garantee payments for 60 months of £600+ however if you have sufficient equity then they will take that into consideration too (not always) youcan miss only 3 payments in those 5 yrs if you miss more then they can proceed to take you to court etc, you need 70-75% of creditors to agree to it, when i enquired about it i was told that i would pay £600 pcm, which is fine in the future but not at the mo, eg just this week my washing machine is broke i have had to find £90 for tomorrow, it has ruined my kitchen floor so if the insurance company dont pay then it sgoing to cost me in the region of £500 to replace it, i dont have that sort of money, my boiler needs repairing but i dont have a spare £140 quid at the mo im saving (making most of hot weather)
think about this go back to the cccs as them for an appointment and they can also send you out an IVA pack which explains it in depth
i hope this hasnt spoilt it but i just want you to have all facts first before you jump at an IVA
if you are going to sell then i would pay minimum offers to the crediotrs market the house then pay off and start again you could offer a reduced settlement figure when the house is sold
hope this helps
klare xx

So sorry to hear about your troubles, feel like I am being pathetic now. I want to put house on the market ASAP, but mu H is finding it difficult to let go, to make that first step and keeps saying to me -"do not push me". He keeps going on about getting a job. It will actually be better if he is out of job, when we are making an offer to his creditors.

Debtomaniak

Justindebt wrote:

Hang about.

What's this nonsense about they don't have an office ner you, Debtomaniak?

The CCCS interview one over the phone.

So, who exactly did you phone and what exactly did they say?

Or did you not phone at all?

I was under wrong impression, I thoght we could go and meet someone, who would sit down with us and our paperwork and help us sort it out. Dream on girl. He is going to call them again today and ask for an IVA info pack. Hopefully soon I can make him put our house on the market and we will take it from there.

Debtomaniak

Justindebt wrote:

Yes.....it was Mr. Debtomaniak who called them, or says he did.

Were you present when he called, Debtomaniak?

No, but he'd better be telling me truth or he is in trouble.

Debtomaniak

lynzpower wrote:

I find drinking a funny one. Personally, If Im not getting drunk as a lord Id rather not bother lol. So I save my drinking for parties, bbqs, social events, festivals etc.

Also Im aware that drinking is a depressant ( and its not just the money side of it, although that does depress me lol) and I feel I dont want to be putting added pressure on myself and paying for the privelidge. Right about now, my feeling is Id rather give myself a fighting chance of coping as best as I can without added depressants in my life. OH loves his beers though, but is cutting down for moneysaving. total it up. £3 a bottle, 2 a week 6 x 52 = 624 per year. But then as I said, I dont really bother with drinking I can take or leave it.

Entirely up to you, if you can work it into a budget, you are drinking for the right reasons, and you want to carry on doing it, and you can afford to, then there really is no problem

Think I ought to start an alchoholics club as well. No, the glass on wine with dinner twice a week just helps me sleep really, I do not get myself drunk. Will see if we can cut back.

ZTD

Debtomaniak wrote:

I have recently been drinking vodka and orange and once I realised I liked it, I decided better not get used to it, so stopped drinking that. We usually buy wine from Lidl, I would say 1-2 bottles a week. Is that a lot?

Provided that "1-2 bottles a week" isn't for each hand (:rotfl: ), then no.

kickingkay

Debtomaniak wrote:

So sorry to hear about your troubles, feel like I am being pathetic now. I want to put house on the market ASAP, but mu H is finding it difficult to let go, to make that first step and keeps saying to me -"do not push me". He keeps going on about getting a job. It will actually be better if he is out of job, when we are making an offer to his creditors.

update im my crap week!
it just got better, ithe insurance guy called today yes it is water damage yes they will send the information out to the insurance company hopefully i will receive a credit note to get it replaced, also hotpoint just rang to offer me insurance cover £14.per month for 10 months this wioll cover me a year for call out and repair and replace if need be instead of paying £89.98 today for call out plus repairs,
so im happy oh and my neighbours have sold their house!!!!!!!! yipee (anyone that remembers i have a dog that they state barks all day long everydy! and have complained to the council about him)
so im having a greta day and im going to make the most of it xx
as for the 2 bottels one for each hand well sounds like the whole idea to me, Lynz i rarely drink unless entertaining weddings parties or going out but when i do im always the fritefull pi s s head in the corner who is far to loud and dancing on the :rotfl: tables!

Debtomaniak

ZTD wrote:

Provided that "1-2 bottles a week" isn't for each hand (:rotfl: ), then no.

Cheeky! The way it is at the moment I should get 2 bottles a day, I think. Not really, just kidding. Although I do not remember a week whe I had no wine at all, amy be I am an addict???