Life after bankruptcy?

beanielou

Yah for speaking to the nice young man :j :j

recoverydust

ani_26 wrote: »

Another stressful day in paradise, and i'm exhausted again. I can't cope with those little everyday ordeals, or tasks, which other people can deal with. Every molehill becomes mount everest. It's true. If i can't cope with everyday functions, how the bh do you cope with life?

Ani, you like climbing mountains, you said you did and you can sail stormy seas


I have eventually had to talk to the insolvency team at the bank, as they are the only people now dealing with my banking affairs, apparently. Insolvency team. It's just dawned. I am insolvent again. Who cares. Actually. I don't. You still don't care too much about anything, when you reach this point. There is little i can do to increase money flow into my life. Not in this state. Actually, not even when i'm working. Bumped into someone from work and when they told me how much they were being paid, i thought, never again. Find some other mug. They've had enough, too. Everyone in the industry has had enough. Especially when you learn how much contracts are worth. Someone is making money along the line, and it's definitely not me.

Bank has now finally agreed to block all my accounts now they have notification of the dro, so at least i no longer have to worry about the fact i've no access to monitor the " happenings " on accounts. I also don't have to contact 100+ companies to make sure they don't have my bank details on file. Thats a shame. It took me 3 years to build a good relationship with the bank. All for nothing. I've lost my isa too, including my £1.01 i had in savings. You're not allowed savings when you are insolvent. Back to the drawing board. Another year for the dro to run its course, and another 6 years for it to fall off the records. I have done everything i possibly can to assist recovery of the money, and as far as i'm concerned, they have to do the hard work from now on. They have to write a letter to the bank saying it was an error, and i also want several copies of said letter, and also a letter stating they won't " chase " me for any money not recovered. The ball is in their court, and i can't make them do things. Not unless i put a gun to their head?

Financial ombudsman route I declare... Copy and paste this to the main board and get it going.

Ditto whoever can ombudsman the inland revenue.


For the first time in 7 months, i got to speak to a real human being at the benefits dept at the council. I wonder how much of that had to do with mp involvement? That's a first. I've always been told previously, you are not able to speak to a real live human being. Surprisingly for a young man, they were the most helpful person i've met, ( bit prejudiced that, isn't it?) who now tells me i can apply for a discretionary housing payment, funded by the local council, as there is currently some money in the proverbial pot. Bit late now that isn't it? Could have done with this months ago. Still, i'll fill the form in regardless. At least the change seems to have increased my entitlement to hb and ctb. Who knows, before long, i may even receive full hb and ctb? Pigs might fly? I only have estimated figures at the moment, but young man said not to pay rent this week. Which is precisely what i thought. I've waaay overpaid the legal limit of rent and council tax. Someone who understands what i'm saying in plain english. How come no one has any brains? Just bog standard replies. He thinks the threats of repossession from the ha in idle conversation, are out of order. Makes you think, doesn't it. They have boundaries and are crossing the boundaries. I've never thought about it before, because i'm used to them threatening me. Certain staff, that is.


Excellent news... Keep plugging and ensure you have details of nasty staff.

In all honesty, there isn't anything anyone can say to me anymore. Even threat of eviction. So what? I've been homeless before. It's no odds to me if i'm homeless again. If it's such a struggle to keep a roof over your head, then so be it. I don't fear being homeless anymore. I've never feared death. Most people live in fear of these things, don't they? We have to have this. We have to have that. Why? Because today's soceity says so. We have to be controlled by money. Or lack of it, in my case.

You will never be homeless while we have a spare room and parking space. Promise xxx

As an aside, my contents insurance arrived today. The policy has more than doubled. It's a poor mans policy and there is no point in changing it. It's risen from £4.86 to £!0 + . Is it really worth insuring what contents i have? £10 a month is alot of extra money. I used to know someone who didn't believe in insurance, despite the fact they owned their own home, stables, horses, the whole wack. None of it was insured. I never quite understood how they slept at night. What price a few bits of furniture? I'll just have to stop swinging from the lampshades.

Go for a requote, your ha may offer it ours do, shop around.

Don't just sit and wait for trouble. Cut it off at the pass.
You know how to do all this, and the bits you don't you can find out on here.... Darkest night is just before dawn....
Xxxx:T

recoverydust

Made a bit of a mess of the above
I have answered within your text but forgot to keep it purple xx
Xxx

miggy

I had never thought of the Ombudsman for this :doh: but I think you are probably right recoverydust. The next difficulty is getting things simple enough so there is a realistic amount to be got through - and getting Ani enough physical strength to do all this.

I can't believe (well I can, but only because I see it before me) that being off sick can be so complicated. I mean, how is someone supposed to rest when they have to be at meetings all week, or chasing other people's incompetencies from town to town?

I will go off on a rant if you let me so I'll shut up for now.

I love the thought that you have a spare room AND and a parking space. 'Nuff said.

ani_26

recoverydust wrote: »

Darkest night is just before dawn....
Xxxx:T

The dawn which never arrives?

recoverydust

the spare room has been transformed into my crafting/sewing workshop, but still has a lush wooden double bed and opens onto a "roof garden"

its by the sea in Edinburgh and we host "couch surfers".

https://www.couchsurfing.com

pm me if you want our user name.....

ani_26

miggy wrote: »

I can't believe (well I can, but only because I see it before me) that being off sick can be so complicated. I mean, how is someone supposed to rest when they have to be at meetings all week, or chasing other people's incompetencies from town to town?

It is, believe me, it is. And if i'm not proactive, realistically, who else can i rely on?

I love the thought that you have a spare room AND and a parking space. 'Nuff said.

Ah well, can't say no to the big E, can i?

I still haven't had my fish and chips..................:rotfl:

ani_26

recoverydust wrote: »

the spare room has been transformed into my crafting/sewing workshop, but still has a lush wooden double bed and opens onto a "roof garden"

its by the sea in Edinburgh and we host "couch surfers".

www.couchsurfing.com

pm me if you want our user name.....

I tell you what - i feel a holiday coming on. You shouldn't have mentioned the word SEA. Holiday? HOLIDAY? :rotfl::rotfl:

I wonder how much the train fare is?

miggy

ani_26 wrote: »

Ah well, can't say no to Edinburgh, can i?

And you know where you can stop for tea and ginger biscuits between your place and Edinburgh, don't you?

ani_26

miggy wrote: »

And you know where you can stop for tea and ginger biscuits between your place and Edinburgh, don't you?

It's on the wrong train route. :rotfl::rotfl: