Life after bankruptcy?

ani_26

Thanks guys.

I'm wasted today, so its over to my diary, and hoping tomorrow i'll feel better xx

No it was'nt the wine, i only had one glass because technically, i suppose, it was the end hmmmm

miss_spooky

Hi Nohope,

"A new beginning" is great. Very positive, you will feel better every time you see your new name.

I believe on the the mods can chage names. You could drop a PM to Fermi, he should be able to do it for you.

I wanted to reply here for you really just to say that I believe that the council will do everything they can to help you find a home. They have a duty of care at least to investigate your circumstances, so they may put you in temp accom whilst they do this.

If they put you in temp accom, it may not be very pleasent but it will be better than nothing. I say that as I was put into a hostel, in a, what 15ft x 15ft room with kitchenette, for myself, OH & two children both under 3 at the time. Shared bathroom & toilet. Shared laundry. I was there for 10 mths before we were rehoused. We had to go ont the choiced based lettings scheme, then wait until our date & priority came up before we were offered a place.

I had our beds, clothes hanging rail & bedside cabinets. TV. That was it. The rest went into storage.

I'm not sure what your finances are at the mo, but that could be an option for you to put yr stuff in storage. We used a removals co, who came with container, then when we moved they just got container out from storage & delivered it to house. This was our best option as we didn't have the means to move anything ourselves. I think we paid approx £15pw + vat.

As the other have said, hang in there.

X

ani_26

Thanks miss spooky xx thats of great help. I must try and pull myself together. I had a quote from a storage company, several months ago, but the nearest one is 20 miles away, and they quoted me £350 a month, or thereabouts. Thats a huge amount of money to find. I've still got some pay due to me, some from july. I've chased them for it, but they won't pay me before mid october, even though i received a letter yesterday, saying i'd be paid in 30 days time, ( now 3 weeks on from the date i should have been paid). I'm owed for the last job i did, too, i think thats due mid october, as well.I've really had to tighten my belt, but i should be okay, for now.No worse than anyone else here, i guess. I'm not going out, so i'm not spending any money, bar the basics, pint of milk etc. I filled up with petrol on tuesday, so i've got enough for any trips to the tip. My costs have reduced substantialy, now i'm not paying for transport to work. I suppose the utility bills will want settling here, too. If i ever get through all of this, i plan to return to work, second week of november, just have a few days off first, ' recuperating ' . But i suppose it depends how it affects any housing situation. But i don't want to stay on benefits any longer than i have to. God, i suppose theres some ' positive thoughts. Where did they come from? I've got to try and continue making plans.

I wish i'd found this website sooner. When i think of everything i've been through already, that others are going through, now, the telephone call from the OR and then the meeting with the OR. Reading all the posts, you know what its like.But its not as bad as this.

I did try to change my name on tuesday, but got a message from webmaster saying you could'nt change it. Thanks for the info re Fermi.


I'm thinking a bit more more coherently now, so maybe i'll enlist all your help for my new name, because maybe mine is now too negative, staring me in the face. It was the best i could do, from how i'm feeling. So i've had 3 suggestions already

1) alll the hope in the world
2) Newlife
3) A new beginning

I quite like Newlife. I have one of my own too, but its not related to any of all this, no, actually thats not true,but something closer to my heart, that no one understands.

No prizes for entering, unfortunately. I don't have much to give, except my thanks



Oh i forgot. Was it a national company you used, miss spooky ? Could i have the name of the company if possible, please? Thats the cheapest i've heard of, so far. Thanks xx

ani_26

Ugh - Just made myself feel calmer, with some useless words of wisdom...........

After my euphoria of yesterday, its back down to earth with a bump. Overslept this morning, well ,slept, for the first time in ages, Must have had around 9 hours sleep. So only just made appointment on time. What a waste of time. I'm sorry, i'm afraid we can't do anything to help you. We've got 1000's of people like you. Yes, i know that. Round and round in the same circles again, with information i've already got. What about the community housing? Oh, you did'nt get that, you were way down the list, i'm afraid. Try again. But i've been trying and trying.
Stupid idiots. They can't disguise their yawn, as they half cover their mouth with their hand. My cue, that my appointment is over. They are barely out of school, what do you know about any of all of this? Maybe its being too cruel to say about them, what do you care? Well, thanks for nothing. The only constructive thing i've learned today, is how much i would get in housing benefit. I'm visibily shocked. What the hell am i killing myself, going out to work for? Yes i know, they say. Its something only you can decide. I had no idea. See, i've never asked for anything, before. But then, you have to have a home to get housing benefit. Which brings me back to......................................

So theres another decision to be made. Do i take this opportunity to have an early retirement, although in real terms, i'll never retire as the government keeps shifting the goalposts. Sign on with jobseekers, and hope i never get another job. Have all my living costs paid for by the taxpayer, ( which i have been for nearly 40 years ), try and manage on £50 a week living expenses, ( i know my car will have to go for sure ), or do i FIGHT?????????? Its a very tempting thought.

But i'm an arian, and arians never give up without a fight. If you want something doing, then DO IT YOURSELF. Yes , i'm just a name on a computer screen to everybody, but i'm not just a name on your lists. I'M A PERSON, AND AN ARIAN ,AT THAT.


SO


Theres just a chance i may have found somewhere, ( which explains my euphoria yesterday ). Its not completely finalised yet, but tomorrow morning, fingers crossed. AND -- i've had some choice. It means moving out of the area ( but closer to work ), its only temporary, 6 months, for now. But at least its a roof over my head. So, go and stick social services, where the sun does'nt shine.

Which means i've only one option. Pick my self up, dust myself down, and get myself back to work. I've just had a phone call re work, now.They can still remember who i am, and my job is still there, at the moment. None of this is going to be easy, but then, who said life is easy?

So its back to the never ending task of throwing out the memories

now

Nohope wrote: »

Ugh - Just made myself feel calmer, with some useless words of wisdom...........

After my euphoria of yesterday, its back down to earth with a bump. Overslept this morning, well ,slept, for the first time in ages, Must have had around 9 hours sleep. So only just made appointment on time. What a waste of time. I'm sorry, i'm afraid we can't do anything to help you. We've got 1000's of people like you. Yes, i know that. Round and round in the same circles again, with information i've already got. What about the community housing? Oh, you did'nt get that, you were way down the list, i'm afraid. Try again. But i've been trying and trying.
Stupid idiots. They can't disguise their yawn, as they half cover their mouth with their hand. My cue, that my appointment is over. They are barely out of school, what do you know about any of all of this? Maybe its being too cruel to say about them, what do you care? Well, thanks for nothing. The only constructive thing i've learned today, is how much i would get in housing benefit. I'm visibily shocked. What the hell am i killing myself, going out to work for? Yes i know, they say. Its something only you can decide. I had no idea. See, i've never asked for anything, before. But then, you have to have a home to get housing benefit. Which brings me back to......................................

So theres another decision to be made. Do i take this opportunity to have an early retirement, although in real terms, i'll never retire as the government keeps shifting the goalposts. Sign on with jobseekers, and hope i never get another job. Have all my living costs paid for by the taxpayer, ( which i have been for nearly 40 years ), try and manage on £50 a week living expenses, ( i know my car will have to go for sure ), or do i FIGHT?????????? Its a very tempting thought.

But i'm an arian, and arians never give up without a fight. If you want something doing, then DO IT YOURSELF. Yes , i'm just a name on a computer screen to everybody, but i'm not just a name on your lists. I'M A PERSON, AND AN ARIAN ,AT THAT.


SO


Theres just a chance i may have found somewhere, ( which explains my euphoria yesterday ). Its not completely finalised yet, but tomorrow morning, fingers crossed. AND -- i've had some choice. It means moving out of the area ( but closer to work ), its only temporary, 6 months, for now. But at least its a roof over my head. So, go and stick social services, where the sun does'nt shine.

Which means i've only one option. Pick my self up, dust myself down, and get myself back to work. I've just had a phone call re work, now.They can still remember who i am, and my job is still there, at the moment. None of this is going to be easy, but then, who said life is easy?

So its back to the never ending task of throwing out the memories

See told you you could do it :beer: thats just it it is your life and boy you are the only person who can sort it out :T So what if you have to move and it is only for 6 months in that time you can go and live in another county, get a new job new life and everything I can hear the fight in your fingers, now just one more positive YOU NO LONGER HAVE TO WORRY ABOUT A HEAP OF BRICKS! You are free to live anyplace you want :rotfl:A little positivity goes a long way :A

miss_spooky

Hi Nohope,

That's great that you've found somewhere. So fingers crossed from us all for tomorrow.

The storage company I used was local to us, and only caters for the London area.

When you spoke to the council, did they mention anything about rent bonds? I ask as our council does a rent bond scheme, where they guarentee the deposit and any repairs at the end of tenancy to a landlord, which means the T has to find less money. I think ours is dep & 1st mths rent, so you've got time to get HB sorted if you need to apply.

Try having a look at their web site for more info. It's something you could look into whilst your in your new place.

ani_26

Thanks now and miss spooky.

Yup. I filled in the rent bond agreement form, today. As i understand it, in my befuddled brain, no money ever exchanges hands, i.e. its not a loan. You sign a form, they guarantee you will pay the deposit to the , aherm, cough, splutter, prospective landlord, and in the meantime, you have 6 months in which to save up £400 for the deposit, for your aherm, cough, splutter, new home.


Nohope xx

So_Sad_Angel

Nohope wrote: »

Thanks now and miss spooky.

Yup. I filled in the rent bond agreement form, today. As i understand it, in my befuddled brain, no money ever exchanges hands, i.e. its not a loan. You sign a form, they guarantee you will pay the deposit to the , aherm, cough, splutter, prospective landlord, and in the meantime, you have 6 months in which to save up £400 for the deposit, for your aherm, cough, splutter, new home.


Nohope xx

Whoohoo !! thats great news....be positive & look ahead...a shiny new start in a new home.

Now go get the other stuff sorted.;)......thats me being very uncharacteristically bossy....seriously health is far more important than money & we sometimes forget that.

Angiexx

ani_26

Sorry to disappoint you angie but the council, social services etc, have'nt found me any home. I'm afraid that was my frail attempt at sarcasm.

But i may have found somewhere myself, fingers crossed for tomorrow. Health, hmmm

Love Nohope xx

now

Nohope wrote: »

Sorry to disappoint you angie but the council, social services etc, have'nt found me any home. I'm afraid that was my frail attempt at sarcasm.

But i may have found somewhere myself, fingers crossed for tomorrow. Health, hmmm

Love Nohope xx

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See in less then a week and with the help of your new found friends BUT mainly you! you did it