A sorry state of affairs....

beanielou

You are really doing so well :j

LivvyLoo_2

Aw we have both had to say goodbye to something we love this week, its so sad but all the bad stuff has happened now...its going to be good from now on. FNL is waiting in the wings.

Your figures look brilliant, I am sure you can be controlled enough to consolidate. Just think of how far you have come and how you don't want to be there again and if that doesn't work think of your car driving off down the road.

xxx

ani*fan

Hi Mrs NotaPenny :wave:

Thought I'd just duck in and say well done on all these changes and plans you're making. Excellent progress altogether. :T
Though I nearly died with my feet in the air when you pondered turning down the 0% credit card! I'm glad you've decided to go for it. I did the same thing recently and it's made the world of difference to my debt repayments. To me, it didn't feel like consolidation. For one, I couldn't move all my debts, just enough to make a difference. Second, it's still a credit card and will be there enticing you to pay it off faster whenever you can. It's good all round, I think.

Anyway, I hope you manage to find a good nursery, get your training updated and get back into work, and that it all that happens easily and quickly for you. Best of luck.

MrsNotAPenny

Still here!

Kids been loaded with the cold all week, I can't move for them!! Haven't counted January's spends yet, in fact, I haven't done anything for days!

Still waiting on on my new credit card, actually glad it hasn't arrived yet because I've had some last minute weekend plans and I know if the new card and pin had been here, I would have been at the shops 'just getting a new top' (which I don't need!) Or maybe not, the thought of dragging up two into town, on the bus, with their snotty faces might have been enough to deter me!

So, can't really afford to go out tomorrow, but i have some money stashed away and feel like this would do me good. Won't spend much, I promise!! Train fare, 1 or 2 drinks, shared taxi from station home, that's all I will spend on Honest. I feel anxious about spending my 'savings'

Tired tonight, so an early one for me!

Happy weekend.xx

LivvyLoo_2

When kids are ill it does help with the savings doesn't it? My petrol lasted 32 days this month, thats 10 days more than normal because we didn't go anywhere ha ha.
Hope they are feeling better soon.

Have a fab night out, you deserve it...but you don't need a new top!

x

MrsNotAPenny

Morning!!

Waiting on kids coming back (yeah for not having to go and collect them) Spent about £30 last night, including a chippy, not bad for a night in the Edinburgh. Feel fab this morning for it too, no hangover and no dreaded 'purse check'

Barclay card came yesterday, couldn't transfer the overdraft (I assumed I could but it wasn't part of the offer) That's ok though, I moved the CC balance over (£3,491.odd-p) I'll just keep to the agreed plan with N/W to repay the overdraft, still feels like I'm paying for my financial mistakes, not taking the easy way, so that's good!

Yeah, so that's me I'll probably be back on later when the kids go away again!

Happy Sunday!xx

MrsNotAPenny

After about 10days of feeling like I was getting somewhere, a bill for amost £630 dropped through my door this morning

Apparently, the car had more than 'reasonable' wear and tear upon return. Sigh. The paperowork implies that it had two deep scratches (Hmm, what car doesn't have scratches??) and scratches on the bumper (am I wrong in thinking that bumpers are there to take accidental 'bumps'??) The bloody thing had less than 12k on the clock, no rips or tears in the interior, never been in a crash and was well loved. I had a scrape in the multi storey and the guy says it was neglect and caused my wreckless driving!! :mad:

I'm so mad. I feel absolutely defeated. I'm taking one step forward and another three back. I'm trying to contest it, but I don't know what I'm doing and honestly don't think I stand a chance. Spoke to their solicitors, who sent me the invoice today, told them I don't have the money to pay them or any more spare each month - which I don't really, ok, maybe like £30 or something.

If I'd been aware of that it was unreasonable when the guy came to take it away, I could have got it fixed myself or kept the car and sold it privately or done something. Apparently scratches over 25cm long are 'unreasonable' Sigh.

Tried to chase up my divorce lawyer today, ex only had 14 days to respond and that was on 23/12/2011. He should be helping me out this bloody mess, he should want to help me/us. No, he's galavanting around, a free man, spending money on whatever the hell he wants and I'm in tears on the phone to strangers because I can't make ends meet.

I've gave up my car, sky, my slimming club, magazines, I'm going to bed early so I don't have to put the heating on, we eat pasta with pasatta and frozen vegetables at least 3 times a week, takeaways are on their way out, entertainment is cut, I just don't know what else I can do. How can I live like this without feeling so damn sorry for myself?

So fed up.x

Eager_Elephant

(((MrsNAP)

I'm sorry you are feeling down about your situation.

I know it was horrible to receive the bill but it's not like you have deliberately run up a credit card on nothing - so redo the figures and instead of saying you are £630 more in debt you are actually £4000+ less in debt as you sent the car back in the first place.

They can't have what you haven't got so offer them a token payment of £5 pm until HMRC is paid off in June.

Go and read post 239 again - it was such a lovely positive post from you.

Are you able to make a more formal debt solution similar to a DMP or something which might help? Of course anything like that would affect your credit rating if you needed to move.

I think the best thing is to have a mope for a day ot two and then pick yourself up again.

What paperwork did the ex have to return? If he has not returned it does that mean that he is not bothered by it and is happy for it to go ahead?

LivvyLoo_2

:grouphug: (nearest thing I could find to a hug...its a group one lol, not sure if it looks a bit rude tho).

Right, we need to think of something. Can you ring citizens advice, surely the people should have looked at the car before they took it and advised how much it was going to cost.

Do you think ex has forgotten to sign the papers or is just being an @rse?

If it makes you feel any better, I am waiting for my ex to sort the finances in his name out (he has done 2), I took the dog for re-homing (cos he was away, not that he offered), I am doing all the house viewings and cleaning out the garage, whilst he sits around being looked after by his DM and doing what he wants and when.

Woe is us...hope you get it sorted out xx

MrsNotAPenny

Aww guys, thanks for the support and hugs

So I took the weekend to collect myself, I spent a fortune on clothes (and promptly returned them) I had a cry to my parents (how lame am I? Lol)

It was DS2's birthday this weekend, bless my Mum, she paid for paint and painted my living room for me (it was beige and a mess with sticky hand prints and getting me down a bit - note buy washable paint) she bought baby a birthday cake and we had a wee party in the house for him. My bestest bought wine and had a few drinks with me, helped wrap presents for pass the parcel (a couple of sticker albums from Poundland and some pens) made up some 'goodie' bags for the kids, each one only had a noverty pen, a small sticker book, a balloon (left over from DS1's birthday :money:) bit cake and a few mini creme eggs. One of his wee friends said it was 'the best party ever!' :rotfl:I think I spent less than £15. I bought him a present, but I'm taking it back, he didn't need anything with it being so close to Christmas. I only bought him something for the sake of buying. I'm going to wait until the summer and buy him a trike for the garden. He has some money to, which I've given to my Mum and I'll use it later in the year for clothes or shoes.

I spoke to the solicitor dealing with the car debt, she was lovely and sent me income/expenditure forms to fill out and return with copies of my benefit awards. Got some free time tomorrow, so I'll get that sent tomorrow. I think I might propose £5 pm, realistically, it's all I can afford.

Also spoke with the divorce solicitor (after a row with ex who says he's not paying anything towards our debt - which he then apologised for and said of course he was going to cotribute, hmm, we'll see) she's sending a reminder to him. Surely I shouldn't have to be reminiding them to send reminders??!! *rolls eyes*

I had a look (again) at CCCS debt solution, I just feel like I've got this far since my LBM in 2010, a few more months and I'll be better off. On the other hand, I could stuggle for another few months and something else might come up. I just don't know. I feel like I'm doing better well, I have arrangements for the overdraft, the CC is on 0%, the sofa will be finished May 2013, HMRC June 2012, some of the utility bills will be covered by the Warm Home Scheme payment I applied for (£120 off my electricity bill for being in IS and having small children) I can see the light again!

Thinking about it, there's not much else than could crop up is there? It's not like I'm at risk of losing a job (ex is pretty secure in his employment) I don't own the house, so no unexpected household bills, I've no car bills to worry about, or insurance, or the price of petrol. Maybe I can just sit it out? Do the course I've applied for, part time over two years, then DS2 will be good for free nursery funding and it won't be long before DS1 starts school either (and there'll only be 1 school year between them if DS2 is ready to go at 4 1/2) I should embrace this time at home, although I'm desperate to get back to work it's not looking possible.

Yeah, so there's my massive ramblings from the weekend. I live MSE, the support is immense. xx