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Panic! Sole trader in debt-advice please

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Comments

  • fabianne
    fabianne Posts: 210 Forumite
    Well,I sat here and typed a long list of problems being tackled at the mo as an update-and it went !!!!!!! as my broadband cut out(gggrrrr)
    testing to see if this posts before I re write it all
    Fabi x
  • fabianne
    fabianne Posts: 210 Forumite
    Okies-I have been a busy bunny-

    Just been to the Post Office and sent off my letters to creditors with token payments of £1 Postal Orders.Also sent one to my ex Landlord(after them finally giving me an address to post to) with the keys to the premises and a full account of the problems,plus a request that the fact of the sum of money I have thrown at the place plus all the problems that have caused me time and money-which were their problems to sort out not mine.I am happy to go to Court about it as I have a strong case for negligence on the part of the Landlord.
    Also posted Barclays rejection of offer letter the charges are now up to £2640 and they offered me £1K
    Posted the letter to the A & L about a new share certificate-these will be sold asap
    Found out that my ex*******husband has not paid his CSA payments since August-I was charged £35 as there was not enough £'s in my account to pay the rent last month and I thought it was odd.....I am going to request he pay this charge as why should I?(fume)
    Been listing like billyio on eBay all my stock and furniture and have bids.
    Moved money from Isa into new bank account and will have to switch payments and dd's etc into this before I can send bank a creditors letter/token payment.Is this right-can someone confirm please?

    I have decided to stick to working 3 days a week as although earning money to get myself out of this mess is important-so is my health.
    Fabi x
  • Pobby
    Pobby Posts: 5,438 Forumite
    furndire wrote:
    Just read through your story, I'm sure you are doing the right thing. At least you have a trade that you can always earn money with. OK maybe not as much as if you had your own salon, but you don't need anything like the amount of money for overheads.
    I gave up my business in March, and havn't got any trade to drop back on and so money is tight at the moment but at least I sleep at night. My landlords almost doubled my rent, when the lease was due, so decided to quit while I was ahead. Commercial landlords are *********** Everything is stitched up in their favour - down to having to redecorate when you vacate, we even had ours saying that there were flurescent tubes missing upstairs, and we should replace them. It is commercial rents that are killing off the high streets. Every one wants a bite of you pie, and you end up with the crumbs, after working ******
    hard for the crumbs.

    Can`t agree more.Landlords of commercial property live in ya ya land.I gave up my shop and because of the stupid,old landlords agent screwing up I got away with the full repairing lease bit.They had to sell their scuimmy property to a developer.I am seeing more and more small businesses in trouble.Hey ho,the world is in chaos and it`s gonna get a lot worse for the small business owner.Shouldn`t say it really,but I am so glad that I am in my last decade of working.God willing,in a few years time I will be able to move abroad and get out of this country.
  • fabianne
    fabianne Posts: 210 Forumite
    The latest bit of news-
    Got my form for my CSA appeal tribunal today-more paperwork to do and a hearing to prepare for.I have posted about it on the Family thread in the hope that someone else has been there,done that.
    I have had a Saturday off,which just never used to happen before! Week 2 went well,has been busy and plenty of bookings for next week too.
    I am dreading the post this next week as all the correspondence is sure to come back-eek! so you will probably be seeing more of me on here looking for advice!
    Fabi x
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fabianne wrote:
    The latest bit of news-
    I have had a Saturday off,which just never used to happen before! Week 2 went well,has been busy and plenty of bookings for next week too.
    QUOTE]

    Well done fabienne - you made some tough decisions, but the right ones. I am glad to see that life is beginning to improve already:beer:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • fabianne
    fabianne Posts: 210 Forumite
    Well...I enjoyed my Saturday off!
    .and I won £10 on the Lottery too on Sat (never usually do it,but thought if I don't buy a ticket,I have no chance instead of a very slim chance eh?)
    Fabi x
  • fabianne
    fabianne Posts: 210 Forumite
    So the pints of tap water are on me tonight,roll up,roll up!
    Fabi x
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fabianne wrote:
    So the pints of tap water are on me tonight,roll up,roll up!

    Could you let mine drip slowly through some fermenting hops please?:beer:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • fabianne
    fabianne Posts: 210 Forumite
    Ok that'll take a few weeks then rog!
    ....drip...drip
    Fabi x
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fabianne wrote:
    Ok that'll take a few weeks then rog!
    ....drip...drip

    I'll wait - or you could nip down the off-licence and get a few cans:rolleyes:
    Anyway - I'm off to bed, so next time. :beer:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
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