Life after bankruptcy?

Amnesty

Hi,
when I left my house I left everything in it apart from what I really needed,clothes etc.I left furniture,beds,kitchen equipment,belongings.Best thing I ever did.I know they charged for clearance etc but it was included in the same bill as the shortfall etc on my BR.I cannot see why yours should be any different.They may even try to sell it furnished but that`s up to them.Everything SHOULD be included in your BR.
You`re sounding a bit better anyway which is good.
We`re all rooting for ya.

now

I have to ask, have you got nobody you can share your troubles with?

ani_26

Thankyou to you all for for your support, and especially to, now, for the poem xx

I was already thinking about changing my name, when it was suggested to me, but i can't quite rise to the challenge of calling myself all the hope in the world, because theres still a long way to go yet. So i've chosen an intermidiary name, one of special significance to me, and one i hope, will remind me of the one thing i have remaining in my life, at the moment, which is supposed to give me pleasure, although it may mystyfy you.Hmmmm, i don't think you are allowed to change it. Never mind.


Here goes. A new beginnig. I did consider calling myself that. 100% debt free at the taxpayers expense. I'm not proud of it. I still hate myself. It has'nt sunk in yet. Its going to take some time, after all, i've had this seriously hanging over me for what? two years? Its become my life, but no way to live. I've got to stop crying now, and move on. After today. Tomorrow is the first day of the rest of my life.I'm treating myself tonight. May be a glass of wine or two. Thats all. Because theres still a long way to go. There is a price to pay. I am officially homeless now. Even that does'nt really sink in, after all this talking about it.

So arrived at court early and stood outside for ages.Watching people go in. I've never been to court before, first time in my life. First and last, hopefully. Watched this young woman go in.I thought, i hope shes not the opposing ' side '. She looks like she'll chew me apart. Followed a guy in, all the time thinking, is this them? Go into the waiting room. The guy is over, in a flash. Can, i just have a word? The woman is over in a flash too, with a colleague. We need to speak first. Ushered into a room. Guy trying to get to me, he wants my telephone number. Have'nt you harrassed me enough. You've got what you want. No more phone calls. Have you been drinking coffee, you're shaking. No, i don't drink coffee. I'm just shaking. I was stood outside, shaking, literally.

It was'nt easy. It was far worse than going bankrupt, if i ever dare say that. But thankyou so, so much ***, for all the help you've given me. I'm so grateful. Without these two women, god knows how i'd have got through it. I did'nt have to say anything. I could'nt have anyway. I never expected this help. As we are leaving the courtroom, the guy, is still talking, but i wanted to apply for some ? order? But i was wisked away.

So the she got me the maximum time available. 42 days. I've not quite worked it out yet, but i have a date in my mind. 1st november. I want to be out of here by the 1st november. Away from all this negative energy in the house. So even if it means paying for a house clearance myself, if thats what takes, i want out of here. To me,thats an enormous degree of positivity. A target to aim for. I've got yet another appointment with the council on friday, regarding housing., they wasted no time making phone calls as soon as we were out of court. I've got someone who is homeless, god thats me.

I'm still tearing myself to bits, because i know i've been stuoid and irresponsible, and lost everything i've worked hard for all my life. I'm so ashamed. but all of it has been for nothing, if i have'nt learnt from all this, and i've got to try and move on now. But thats for tomorrow, and at least i'm saying there is a tomorrow, at the moment. Don't ask me what sort of repossesion it was, because i have'nt a clue. But theres a letter in the post.

So its back to chucking out the old life, and try and focus on the new life. 42 days. I don't know yet if i actually have to hand the keys over to the baliffs, i never thought to ask, but i don't want to do that. i don't want to put myself through that too. I'd rather say goodbye to my home, with dignity.

Try and convince myself, the suns stopped shining now, but its been a beautiful day..................................

So_Sad_Angel

Nohope wrote: »

Try and convince myself, the suns stopped shining now, but its been a beautiful day..................................

Hi NH

Well done on getting through today ((hugs))....& for the 42 days before you have to move. Its worth putting into context that most folks in rented would only get 30 days if their tenancy ended & would be in same boat as you are now.

Make sure that council are aware that WRO are involved in your case & I would touch base with your local CAB & Shelter too. Meanwhile of course keep looking for private lettings that may come up...you never know as you need a place quickly then a private landlord may be glad to let out a property for immediate occupancy.

Concentrate on the positives now....I have a feeling that you are really starting to focus on whats ahead rather than what is past...thats excellent. After all you have this opportunity of a fresh start now.... you are 100% debt free & can take your life in the direction that you want rather than where the debt was dragging you down to.

Also don`t forget that the house was part of the problem & was adding to the debt figure daily ultimately it was that that was giving you less & less stability. A house is just bricks & mortar after all....& trust me you will move on from the feelings you have now.

So enjoy your glass of wine this evening....don`t beat yourself up about the past....plan for the future. Tomorrow is going to be another beautiful day & your future is out there waiting for you....

Angiexx

Tut tut ....gosh I do rattle on sometimes....:o:D

ani_26

Thanks Angie xx.

I feel really drained today, so thanks for your really positive post. Everyone who could possibly be involved in my case, now, is involved. I've even been told to contact my local mp. But my fighting spirit deserts me today. I've got yet another appointment with housing, on friday.


Amnesty. I've already been thinking along those lines.Just take what i need, and get someone in, to clear the rest. In fact it might be an idea to ask about it on friday, which will relieve some of the next pressures i'm going through.

hugs to all xx

Angiepange

Hi Nohope

I just wanted to tell you I have been following your journey and diary and admire you're strength to keep fighting. I have some understanding of the problems you are going through with repossession and becoming homeless as I have spent the last year myself battling through the mortgage rescue scheme and have still not completed on this.

But just wanted you to know I am willing you on and hope the authorities pull their fingers out and help you get housed. I hope you find the strength to contact your MP too, you wont know how quick they deal with individual cases so im guessing the sooner you approach them the better. So good luck and keep fighting, dont take no for an answer from anyone, you can do it.

Love and best wishes to you

Angie x

ani_26

Thanks Angie xx

I'm sorry. I've pretty much no words right now. I keep willing myself. Get off the internet, go and have a shower, pretend your a human being, and go and do what needs to be done.

Love to you xx

Angiepange

Nohope wrote: »

Thanks Angie xx

I'm sorry. I've pretty much no words right now. I keep willing myself. Get off the internet, go and have a shower, pretend your a human being, and go and do what needs to be done.

Love to you xx

I understand that hun really I do. I have had many days over the last year where I thought I just can't do this anymore. I thought going BR was the hardest thing I've ever done until my battle with keeping a roof over our head began. The stress and worry of repossession and being put out on the streets has really pushed me to the limit, but for me i've got a husband and 2 children depending on me to be strong and I suppose deep down theres a fighting spirit that just won't give up .

All im saying is its ok to feel like you do, its normal really, and although you might not think you can do this, you will, I strongly believe that. You have come this far already so just hang in there and come here for the support to get through it. I did.

Angie xx

now

Keep smiling and get your little butt to the council office and get your new home sorted, you can move your stuff into your new flat and rebuild your life.

now

Angiepange wrote: »

I understand that hun really I do. I have had many days over the last year where I thought I just can't do this anymore. I thought going BR was the hardest thing I've ever done until my battle with keeping a roof over our head began. The stress and worry of repossession and being put out on the streets has really pushed me to the limit, but for me i've got a husband and 2 children depending on me to be strong and I suppose deep down theres a fighting spirit that just won't give up .

All im saying is its ok to feel like you do, its normal really, and although you might not think you can do this, you will, I strongly believe that. You have come this far already so just hang in there and come here for the support to get through it. I did.

Angie xx

Keep fighting, never give up look at Edison and so many others who tried so many things before getting the break they needed xx