Frightened about my future

elsie52

pixiechick wrote: »

Oooops fermi seems to have put a spanner in the works while I was feeding my dog

pixiechick wrote: »

Perhaps we're not 'allowed' to yet because we haven't got enough medals

Press multiquote.....it should change colour, then press multiquote on another message. then press the blue Reply button and it should bring up the messages you wanted to quote.

never-in-doubt

pixiechick wrote: »

Perhaps we're not 'allowed' to yet because we haven't got enough medals

Click multi quote then the actual quote button on the last quote....

so if you wanted to quote post 1, 2 & 3 you'd click multi on posts 1 & 2 then click the quote/reply button on the 3rd post and all 3 will be embedded into your reply.

fermi

mouseann wrote: »

I can't multi-quote either, Pixie.

I click on the icon for it then nothing happens!

You click the button on each posts you want to quote, but nothing will then happen until you click the main button.

When you do that, each post you clicked on will show up quoted in the reply box.

mouseann

pixiechick wrote: »

Oooops fermi seems to have put a spanner in the works while I was feeding my dog

I know! A bit scary!

Especially all those comments about judges and the fact that the amounts on my cards are high, which would make a court case worthwhile to the banks!

Am not going to worry about that happening - yet!

pixiechick_2

Thanks for that Elsie.

I was trying to multiquote from one message.

pixiechick_2

and thanks Fermi...even if you've got my head spinning again!!!

mouseann

Thanks for all the advice re multi-quoting.

Still not sure how it works if you just want to quote bits and pieces from just one original post, though.

Probably me being dense - it is past my bedtime!!!

GeorgeUK

What if we can take the risk or deception part out of the equation?
I know it's not as final as unenforcability, but if Pixie is on JSA, could she be eligible for a Debt Relief Order (DRO)?

The accounts that are older and possibly unenforcable, we could look through and check if they were properly executed. If they were, how much debt would this leave?

For a DRO there are certain requirements for you to qualify:

Is a DRO likely to be suitable for me?

To apply for a DRO, you must meet certain conditions:

You must be unable to pay your debts.

You must owe less than £15,000.

You can own a car to the value of £1000 but the total value of other assets must not exceed £300.

After taking away tax, national insurance contributions and normal household expenses, your disposable income must be no more than £50 a month.

You must be domiciled (living) in England or Wales, or at some time in the last 3 years have been living or carrying on business in England or Wales.

You must not have been subject to another DRO within the last 6 years.

You must not be involved in another formal insolvency procedure at the time you apply.

elsie52

Ha ha.....have you got that girls.:rotfl::rotfl::rotfl:

never-in-doubt

mouseann wrote: »

I know! A bit scary!

Especially all those comments about judges and the fact that the amounts on my cards are high, which would make a court case worthwhile to the banks!

Am not going to worry about that happening - yet!

No - Ann - don't be worrying. Please, don't start thinking negatively - you'll be fine! Yours was spent long before you utilised s.78, no case to answer if they tried to lump you with any deception charges :rotfl::rotfl: