Life after bankruptcy?

ani_26 · 22 July 2012 at 7:45PM

It's not very often you're proud to be british, is it?

So_Sad_Angel · 22 July 2012 at 8:44PM

ani_26 wrote: »

Hey ssa, it's party time _party_ :dance:

What a fantastic day in history for team gb in TDF. I even had tears in my eyes, too.

A huge congratulations to Bradley Wiggins, Chris Froome and Mark Cavendish.

Guess what i've been doing? :rotfl:( did some gardening as well.)

A totally underrated sport, ( in my view.) That takes some doing........ BH:cool:

Miggy - Are you in training?

Hi Ani

Yes I agree it was a cracking race and nice to see the british do well especially in France :j

Paris looked amazing on the TV...I do love the place (much nicer than London) but haven`t been for a few years. Next year I may take a week off around TdF time and go out there and watch the final stage. Reminds me I really must start a holiday fund this year!!

Anyway its been welldressing weekend here so lots of visitors to the village...however I get so annoyed about cars constantly parking in front of my gates! Oh well its done for another year.

Hope you managed to get some of this sunshine..it really does lift the spirits so much.

miggy · 23 July 2012 at 8:05AM

ani_26 wrote: »

Miggy - Are you in training?

Absolutely. The slugs still outpace me though.

ani_26 · 23 July 2012 at 8:17AM

miggy wrote: »

Absolutely. The slugs still outpace me though.

:D:D:D

Morning. Trust you have survived your work challenge? Zzzzzzzzzzzzzzzzz

NorthernLas · 23 July 2012 at 8:40AM

Ani - Just had to post and say how much better you are sounding :j

I missed the final sprint of the TDF so I shall look for it on iPlayer. I do know 'Cav' did his bit and stuffed the opposition on the Champs Eleyses (sp?).

I haven't posted for months but still lurk and read on occasion (well actually this is the first time in about 6 weeks, since I was on here far too much and decided to go cold-turkey).

Thanks also due to Miggy and SSA for looking after you so well

:D:D

Take care

NL x

ani_26 · 23 July 2012 at 8:59AM

Oh well. It's the beginning of a new week. A new chapter? Does it really make any difference to me, these days? Most of the time i lose track of the day and the date.

I have received that all important letter, this morning. The one from the IS. My dro has been approved. Two and a half years after going bankrupt. One less worry? I've still been advised i should make arrangements to pay the rent arrears, and this is going to take a VERY long time, at the rate of £3.50 a week. I've still no idea exactly how much my rent arrears are, since sp still haven't settled their part of my account. Still. 52 x £3.50 = £182, so this time next year, i would have at least paid off some of the rent arrears. I should speak to the ha, to clarify the need to pay the arrears. It's all relative, isn't it. The amount of debt versus income. A relatively small amount of debt on little income versus £100's of thousands of debt with a larger income. Depends if you can service the debt?

I hold my hands up, and admit it was all my fault, the situation prior to bankruptcy. However, i do feel " robbed " this time round. I changed my ways, i've lived so frugally for so long, now, and i firmly blame the company who never reimbirsed me for all that work i did, on both my financial and physical situation. Along with hmrc's tax policies. I've given up on all that now. It isn't worth the stress, anymore? I've given up on my claim for my outstanding pay, now a year overdue, on my tax rebate, ( i wonder what hmrc do with all my money?) and on thoughts of claiming my expenses. I have decided not to return to my job, although hmrc won't accept this decision, for now. This will have to be dealt with later this year. In the meantime, i will try and bin it. At least i didn't lose £90 on the dro. Can you imagine how crucial £90 becomes to someone, and the thought of wasting it? That's two weeks rent. Or one months council tax. I've never been so worried at the thought of losing the money to make these payments.

I will find out if i didn't dream those phone calls last week, if i actually receive the esa i was told i would receive, this week. I'm now worried that i'll lose the increase in esa anyway? I now have to inform everyone? of my increase in income? so they can take it away from me again? More stress. Well, it is to me anyway. 30 quid a week. Not even a days pay. Not even a night out, to some. 30 quid a week, increase. Potentially makes such a difference to my life, when you are so poor, you can't even afford food, or a food budget. Almost 6 months off work, and it's only now when the finances are starting to settle? Such as they are.

I don't aspire to anything, these days. I don't aspire to anything financial. I don't aspire to own my own home. I don't aspire to have credit cards. I can't aspire to save, sadly. I've gone back to the " olden days ", and in fact, i think we all should, to some extent. If you don't have the money, you don't have it. Isn't the consumeristic soceity we live in today indicative of what is happening to so many people?

ani_26 · 23 July 2012 at 9:12AM

NorthernLas wrote: »

Ani - Just had to post and say how much better you are sounding :j

Not sure about that? It's a week of " dealing " with health issues, and i'm not sure if i'm ambivalent or terrified?

I missed the final sprint of the TDF so I shall look for it on iPlayer. I do know 'Cav' did his bit and stuffed the opposition on the Champs Eleyses (sp?).

They all did their bit, didn't they? In some respects i feel for Chris Froome who played his part in BW's victory. Slightly overshadowed? I'm sure he will win TDF, one day.

Good to see you. xx

Trust your experiencing some of the same weather? :rotfl::rotfl:

ani_26 · 23 July 2012 at 9:30AM

I read a post yesterday, where the poster seemed to infer that of all claims for esa, 68% were deemed fit for work, 23% were placed in the WRAG group, and 9% are placed in the support group? ( or figures something like that?) If so, it's a b*y miracle i've been placed in the support group? I still don't understand too much about it, until i receive confirmation? Still time for them to say it was a mistake? Or i was dreaming it? Bottom line, i'm so far past the assessment stage, all i wanted was my benefit assessing, whatever the outcome.

If i don't have to worry so much about the financial stuff, thoughts turn to the health stuff. Isn't that what it's all about, and where all this financial stuff has left me? My health, i know, has now taken a diiferent turn. I don't think i can deal with it, think about it, talk about it, although, of course, it's never far from your mind, right now. My thoughts have turned to what i'd blanked, and the things i'd forgotten and how potentially bad it was last time round. I shall try not to talk about health.