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Life after bankruptcy?

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  • miggy
    miggy Posts: 4,328 Forumite
    Phew to the DRO :) virtual ginger biscuits all round then.

    Health... you know we're all sending 'be better' thoughts in whatever way each does.

    Have just caught up from 21 hours work with 4.5 hours' sleep in between, followed by sleeping all day so am incapable of coherent thought (thought I'd point that out in case it didn't show) but I'll probably be back later and more chatty.

    How did the weeding go?

    And NL, nice to see you again! Good that the cold turkey didn't keep you away permanently. :D
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • ani_26
    ani_26 Posts: 3,700 Forumite
    miggy wrote: »

    How did the weeding go?

    My empty bin is now full of my neighbours garden, ( i should have filled their bin.) Actually, i did precisely that with my neighbour on the other side, last week. I wish they would b*y garden. I'm not going to go round and do all their gardening, too, but their sc's travel to my garden for their holidays. Suffice it to say, their sc's went for a walk, too.

    On the plus side, with the dry weather, and the removal of their little buga's, my garden has been relatively free of sc's today, apart from a colony behind the trellis. It's tough luck. I've got their hiding places sussed, now. [ maybe i shouldn't count my chickens?)



    No, i'm not thinking of getting chickens
    . :p

    And NL, nice to see you again! Good that the cold turkey didn't keep you away permanently. :D
    Turkey? :eek:


    You thinking about xmas again? :eek:
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • miggy
    miggy Posts: 4,328 Forumite
    ani_26 wrote: »
    Turkey? :eek:


    You thinking about xmas again? :eek:

    Now do I ever ?:D

    Neighbours nicking your bins space? There seems to be a lot of that about. Twice someone has wandered off with our recycling bin - when DH went to the council to get another one, he was told it a few people had had the same thing - apparently on that occasion it was the (ahem) 'festive season' :whistle: and people couldn't be bothered storing their empties till the next collection. More recently, a friend has started to find empties of Baileys etc. in her bin that don't come from her house!
    No, i'm not thinking of getting chickens.

    And why not, may I ask? :D
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • ani_26
    ani_26 Posts: 3,700 Forumite
    Just when you are starting to get things sorted, you always get kicked by something else? If there were a god, why would they send one person so many trials?


    Today has been the health check, the letting people know about the dro. It only just occurred to me, at least they didn't question ani's value, such as it is. What else do i have. A bit of b* y furniture. The council of course, in their wisdom, are currently saying they won't accept the rent as being part of the dro, as it only states the debt to the council, and not specifically the rent arrears. Barstewards. They have you by the short and curlies, whichever way you turn. Unbelievable. I'll say it again. BARSTEWARDS.

    On the plus side, i've received my letter confiming the esa, and also the back payment, today. On the down side, i also received said gas and electric bill, and the back payment doesn't quite cover the utility bill. Sigh. Still, i receive some more esa, this week. On the down side, they say i'm due to receive it until next july, however the letter states the payment is until november. They say it's because they start reassessing you in advance, because it can take 18 months to process your next claim, ( or something like that.) No sitting back and recovering, huh? I suppose that's four months of calm on the esa front? You never know how things will be, come november. That's light years away, too. Live, or not, for the moment, huh?

    The medical has raised cause for concern, and i don't know how to deal with it. I honestly don't. More tests / examinations, tomorrow, with my doctor making a guest appearance. Urggh. It doesn't matter what anyone says or how you feel about life. That, dominates your thoughts, too. It's such a big one. The big one. Isn't it what i want? It's such a dirty word.


    Life after bankruptcy. Life into a dro. Life going round in never ending circles. What is life?


    Oh, i forgot. I'm supposed to be getting my new b * y kitchen, in september.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Hey Ani, I'm sorry I can't stop by for long as I'm on business atm but I hope you get positive news with the health issues - anything else i'm trying to put into words seem to trivilaise the situation so I'll just say that I'll be thinking of you xx
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes your way hun.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • recoverydust
    recoverydust Posts: 525 Forumite
    Pleased that you got the ESA back payment. It is a good idea to ring the DWP and ask for a copy of form ESA 85a which is the one that will tell you how the decision to put you in the support group was made, that is, what descriptors you fitted. This is likely to be useful when you have to reapply.
    I cant remember if you have a DLA application in, or where it's at, but given that you are in the Support Group you should stand a reasonable chance.

    Sorry that your health is of concern and i hope the tests come back good for you
    Can you get back on to the MP about the rent arrears?
    Xx
  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Echoing recoverydust excellent post.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ani_26
    ani_26 Posts: 3,700 Forumite
    Pleased that you got the ESA back payment. It is a good idea to ring the DWP and ask for a copy of form ESA 85a which is the one that will tell you how the decision to put you in the support group was made, that is, what descriptors you fitted. This is likely to be useful when you have to reapply.

    Thanks for that. I haven't got a clue.
    I cant remember if you have a DLA application in, or where it's at, but given that you are in the Support Group you should stand a reasonable chance.
    Yes i've appealed for dla, but they said it will take up to 11 weeks. I mentioned this to mp, but they said the esa has no bearing on the decision for dla. They are however, pressing for early resolution. Does it really matter?


    Can you get back on to the MP about the rent arrears?
    Xx
    Mentioned that to mp, too, but they just said, can't you pay it back say £5 a week? and that they are unlikely to evict me. Doesn't stop them sending letters or the attitude of the staff yesterday, though.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • ani_26
    ani_26 Posts: 3,700 Forumite
    I can't settle tonight. It's worse when you have no one to talk to, not that it would make any difference, as common sense tells me, all anyone would say is, try not to worry. It's never going to stop you worrying though, is it. The pain is bad tonight, and i couldn't sleep last night. You get to the point where all you should be considering is well being, isn't it. But then, what if no one really cares? Then why should you? I have so much going through my mind, tonight. How will i ever sleep. I can't face this alone, again, God, i feel sorry for myself.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
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