Life after bankruptcy?

beanielou

Is there anyone you can speak to Ani?
Money is not the only thing people care about but sadly as you say without money life is very difficult.

Hovel_lady

ani_26 wrote: »

I can no longer cope.

What is the point in writing thoughts, telling people how it is.

At the end of the day people may read or listen, but nobody actually cares.


My head is bursting, its going to explode I'm distraught, but WHO actually cares?




All anyone cares about is money, and without money, you can't live

We do care.
xx

chevalier

HI Ani
I have been reading your diary on and off, posting a bit I think, but I have to say that we DO care.

Ref the rent and council tax. I know it is bone wrenchingly tiring, but you need to fight this. Talk to a human not a computer today. Print off the page off the internet that showed the calculation where it said you would only pay 1p rent. Get a human to check. I bet it is a !!!! up.

Can I suggest that you contact Christians Against Poverty (you don't have to be religious to use their services). They will fight your corner for you and I think you need someone to help you through this.

I know the job situation is the pits, but is there any way of getting a paye job, and maybe do the self employed stuff as a hobby for now in the evenings?

Ani today is a very emotional day for me so I am sorry if I speak out of turn, but I think you need to see your GP and get yourself some help. No one can fight alone for ever...
chev

ani_26

I'd just come on my diary one last time, as i can't sleep. Its been a day when i've let the emotions out, for a change, and i spent the day crying. Now i can't settle.


I made some large entries in my diary early this morning, and in the state i was in, deleted them. I was trying to get the council to defer payments etc.I rang the council re rent, council tax, and it was them i was refering to with regard to people not caring.As far as they are concerned, i'm in their property and they want their rent, ( understandably)

The decision is set in stone, and i owe them the rent they have asked for, the same for council tax. The council won't accept part payment for ct as it is the end of the ct year. It has to be paid in full. I COULD pay it, but it would leave me with nothing, by the time i've paid my other bills, and there's certainly no money left for rent. I won't receive any pay until after the rent is due, and even then, i don't know exactly how much i will be paid, but it will clean me out again, and still leave a shortfall on the rent. I don't know what happens when i can't pay the rent. I guess i get evicted. To be fair, they have waited until the decision was made by the benefits people, but it doesn't change the amount of income i've had, during that time.


I have the right to appeal, within one month, which i have. I took my letter to the council, late this afternoon, but i don't hold out much hope. my income is so irregular, they won't accept the frequency or amounts which are paid. I'm banging my head against a brick wall. As i've said, i've applied for many jobs, but as yet, i haven't been offered one.


I no longer feel safe in my diary now. My personal thoughts must be kept to myself. Already, in the real world, rumours are circulating, bit by bit, to the point someone asked if i'd been on tv, a few weeks ago. Those people on tv didn't care either. All they cared about was self exposure at someone else's expense. Such is life.

There's been various threads on mse, discussing how nothing is ever worth taking option b for. Like that old guy, or couple, or whoever they were. But you would have to be in that situation, to know. Like my mate. Had he spent a long time contemplating, planning? I don't think its ever something you would choose on a whim. You spend a long time contemplating divoirce, well, i did anyway. Its no different, considering your options.

For me, this was the last chance saloon, and i knew i couldn't make it without help from the welfare state, social, whatever you like to call it. I was convinced i'd get it, but like someone said to me. there are people who were born into the state system, they don't know anything else, and maybe they just know how to work it better than i do.


I tried christians against poverty way back when, when you first suggested it to me. I don't live in the catchment area, I'm surrounded by catchment areas they support, but i'm bang in the middle, and they weren't able to help. Every suggestion ever made to me, has been tried and tested. The only thing which is going to help me now, is by way of the government, but that help has been denied.

My neighbour asked if i'd unpacked, today. They know i haven't, and i'm not going to, now.


Life after bankruptcy, eh?

The price of life, is too high

So_Sad_Angel

ani_26 wrote: »

I have the right to appeal, within one month, which i have. I took my letter to the council, late this afternoon, but i don't hold out much hope. my income is so irregular, they won't accept the frequency or amounts which are paid. I'm banging my head against a brick wall. As i've said, i've applied for many jobs, but as yet, i haven't been offered one.

Hi ani

Sorry to be a bit awol lately...long boring story...but I couldn`t just read & run.

Anyway I would like you to start to look ahead...you have a home thats real bricks & mortar. Thats something that you have a chance to fight for, to find a way to keep & cherish it so that you can build a secure & safe environment from which to start enjoying your life again.

If the council won`t listen then see CAB again, get the council to refer you to welfare rights...also (& I reckon the best option) is to talk to Shelter - they fight for the right to keep people in their homes & I`m sure they will be happy to negotiate on benefits/housing/support wherever necessary. Get your GP to assess you too...this is very important & may give you other options & benefits actually.

Now I apologise if I sound all upbeat & like I`m telling you what you should do...I just care about you so if you do nothing else then please look ahead & don`t be beaten before you`ve exhausted every option.

What I do know is the you & I are fighters...we have been to the edge & back both financially & emotionally..we both know that bankruptcy is far more than a financial issue. That has left us with scars & our `self worth` is understandably on the floor but I know you`re tougher than you think & if you need someone to talk stuff through then just shout.

http://england.shelter.org.uk/home

Life after bankruptcy?....is what YOU make it:A

Angiexx

ani_26

It never rains it pours, don't they say?


Ani said enough is enough today, too. Divine retribution huh, or maybe divine intervention.


I've been so wrapped up in all things concerned with rent and property, i hadn't paid attention to ani's symptoms. Just a cars equivalent of a case of man flu? I should have been using my brains. Driving around in a freezing cold car, when the heater has stopped working, the " missing " of the engine on sunday, and the loss of power. I instinctively knew something was wrong. Couldn't miss it today. The engine overheating, the gauge, one second hot, the next cold. Parked up outside some guys house. No parking restrictions. You can't park there. Tough. I've broken down. You'll have to wait until i'm towed away.


Diagnosis

Head Gasket caput


Prognosis

£600 for head gasket + labour and vat

I know he wouldn't rip me off. Can't help looking at big sign in garage. Payment must be made before car is driven away. Yeah, yeah, yeah.




Can't find any hg's on internet, but did find a classic car club not too far away from here.A local garage did me for a cat, but at a fraction of a price everyone else was quoting. Will have to find the number and give them a ring.



In the meantime i no longer have a car. Well, i DO have a car. Just one i can't drive. NOW what do i do? You have to keep it taxed, insured and mot'd to park it on the road, don't you? I've nowhere else to put it. Sorn it? But i've heard of people having problems when they try to put them back on the road. Its late, and i didn't sleep last night. This now limits the work i can do, and its hit me, this isn't an ideal place to live without a car, if you were going to live here. Everyone has a car round here. No bloody wonder. You can't even get to the local supermarket. What a stupid place to live.


Option A



FOR SALE


One helluva beaut of a car, no longer required by owner


Guaranteed to bring some sunshine into your life, ( along with the rain ), ( and snow ) ( for that matter, ice ) Yes. Windscreen ALWAYS freezes on the inside.


Rubber with 1000's of miles of tread left. Cat been replaced. Ditto cambelt. Ditto battery.

Now how shall i word this?

A car, prime for investment, but guaranteed to give you years of satisfaction, ( and maybe a return on your investment )


Maybe i should add - Ongoing investments

Hmmm - Also needs ermm, a bucket inserted carefully in prime postion behind passenger seat.


Worth - Nowt



All serious offers over 1p considered




OPTION B



Theres still enough petrol for a one way trip to the seaside. Make sure you've a plentiful supply of water, and off you go

ani_26

The icing on today's cake

Letter from councli, ( there's a letter almost every day)


RENT ARREARS

Who?

Me?


NNNOO


REALLY?



You don't say


I've been here before, haven't i? All those years before i went bankrupt, ( except it was a mortgage, then).


Crumbs. Now what do i do? For sure, i can't pay what i haven't got :rotfl::rotfl::rotfl::rotfl:



You already have my bank details, from which you should have taken the direct debit, ( ooops, maybe it bounced ). Now. With the dd you say you are taking, plus the amount you state i'm in arrears,this comes to a total of almost £900. I've lived here for 3 weeks. Is it? Tomorrow, maybe. Thats £300 per week for social housing? ( no, i'm NOT renting Buckingham Palace). Oh i forgot. The reason why you were in such a hurry to get me to sign was so i could pay an extra weeks rent for the property which had been standing empty for WAAAAAY too long.



But like you have said ssa, they have sent a long list of helplines, and the welfare rights number, was the one that jumped out at me. I've no work after tomorrow, which isn't helped by the fact i've now no car, but i just don't know if i can be bothered, anymore.


I've now got 7 days to pay the rent, and the fact of the matter is, i just don't have it. As ever, i've barely touched my bank account, knowing the rent had to be paid, but there's still a shortfall.



Life is pretty much going back to how it was before bankruptcy, .
Right now, i'm beyond the point of crying anymore. I just feel numb with it all, and i desperately need someone to talk to.

Aesop

I feel for you ani. Hope you find someone to talk to today.

Can only offer good luck fairy wishes, though you will think they are worth nothing, as it is not real. I can only wish something would go right for you for a change.

Hovel_lady

What Aesop said ^^^
xx

lisawaters

Have you been to the CAB?

Did you contact the Christians against debt people?

Do you have friends or family?

Have you rung the Samaritans to bounce it off them?

Have you made an appointment to see your GP?

Probably feel like big steps right now but you need to do something concrete. They MAY be able to help you...