MOOLOO'S continuing saga Part 4

t_obermory

Hi Mooloo long time lurker here, I was reading about your DS's debt and thought I may be able to offer some advice. I volunteer at the CAB and they are really good at helping with debt, if you can get your son to go along taking all the details of who he owes money to they'll write to the companies on his behalf explaining his circumstances and offer £1 token payments per month. Most companies respond well to the CAB, much better than if you just rang up yourself, and accept the token payments. Obviously its only a temporary measure but it will help take the pressure off him until he's got a job and can afford the repayments again.

HTH's.

Savvy_sewing

t_obermory wrote: »

Hi Mooloo long time lurker here, I was reading about your DS's debt and thought I may be able to offer some advice. I volunteer at the CAB and they are really good at helping with debt, if you can get your son to go along taking all the details of who he owes money to they'll write to the companies on his behalf explaining his circumstances and offer £1 token payments per month. Most companies respond well to the CAB, much better than if you just rang up yourself, and accept the token payments. Obviously its only a temporary measure but it will help take the pressure off him until he's got a job and can afford the repayments again.

HTH's.

Thanks, one company said that we had to go to one or other, CAB or the Debt lines, and I pointed out that we were trying to sort it out and that we are offering the £5 a month, and that if they want to wait etc, then they would be offered even less, and they all changed thier tune. Unfortunately I have had to deal with debt, from my bankruptcy when the Pub failed, and when TWin2 ran up huge debts before she had her son. I think that if there is anyting else that crops up, we may have to have a visit, but at the moment, fingers crossed we are able to deal with it, and avoid using up valuable CAB time.

We have found a resolution with all of the creditors that will fit into he budget. IF he sticks to it.
The problem with them is the junk food that they waste thier money on. If only they would sort out a proper menu etc, but I think that that is expecting rather too much of them at the moment.
Little steps!! and continue those little steps.
The councillor that I spoke to yesterday was a big help, he had worked with children/young adults with special needs, and could understand and also describe well the situation that i am in.
Talking to him has helped me enormously. Even though the original reason that I was going to see him, hasnt been the main thing that we talk about.

Errata

Has the DVLA agreed to accept token payments for his fine? Can he do anything to sort out the ownership of the moped?

Savvy_sewing

Errata wrote: »

Has the DVLA agreed to accept token payments for his fine? Can he do anything to sort out the ownership of the moped?

We are not allowed to discuss it on the telephone, we have had to put his requests etc into writing on the back of the fine page that they sent him.
We have given the address of the woman who he used to live with, who kept his paperwork etc and said that she had it all to sell. etc.
That we had SORN it the year before. etc That we didnt know that it had not been re-registered until we had our post forwarded, etc. We will see what they come back with. We may get a smaller fine, as the tax due on the vichicle was only £2.57 by the time of the letter.
But who knows.
If the has to pau it then he will have to pay it in installments as I do not have any spare money at the moment.
I am at a stage where I will need to get the car serviced this next week or two and that will wipe out my savings. So No can do to help the offspring anymore. I am not touching DGD's savings that I have put aside.

Savvy_sewing

Evening, well the weekend has flown by. BF has helped me fix the loo seat and put the felt roofing back on to the shed. So hopefully it will be waterproof enough now.
I am very sore, since seeing the doctors at the hospital. He didnt want me to use the collar anymore, and I am feeling the strain in my neck even more than I would like to admit. The arm is also quite bad. Infact typing this is difficult and I have only just started.
Havent managed to do any more sewing this week. Next week is jam packed and its going to be a hard one to deal with.
We saw the Boys on Friday.
It was a rather heartbreaking day for Twin2. It is becoming far too emotional, and I am wondering if its now time to "let go". She broke down infront of the children when DGS2 wouldnt leave his foster carer, and go to her. He really is quite clingy to the carer at the moment, so it was not his Mum that was the issue. He took his time to come to me, and I think that that was only as he had bumped his head, and I had picked him up, cuddled him and side tracked him. But Mum took it too heart. I really feel that its just torture continuing to see them for just one hour in a month, and knowing that its coming to an end soon anyway. I think that it is better that Mum decides when to call it a day, rather then someone else telling her that she cannot see them anymore. I dont think that a "goodbye" meeting is a good idea. Too emotional. I am really feeling it for twin2. She is struggling. But at least she is going to see the councillor on Wednesdays now. Fingers crossed that she can find a way to cope. She will need a good coping stratergy. I struggle too, but I am only Granny and not Mum.
I am going to stop now. I cannot take the pain today. Night all.

Savvy_sewing

Well I hope that I will be OK to drive today. Taking DS to the bank to sort that out. To confirm his arrangements that we made on the phone, and pay off his first installment to them!. I had hoped to sew, but the arm is already not brilliant so we will see.
DGD has nursery this morning, and so I better get her ready.
We have the Fostering panel this week. Its not going to be much fun.
Seem to have a packed week already, so much for resting.
Breakfast here we come. I am hungry this morning, which is unusual.

Savvy_sewing

Well I took DS to the bank etc in town and started his first payments on some of the things he needed to do.While I was in one of the banks, I managed to start an account/swap from my Co-op to a Santander account. I am rather thrilled that I have finally got a good enough credit rating and the bankruptcy finally looks as if it is behind me more now. I was able to set up a current account, with a cheque book, and an overdraft facility. I was also able to get an account that will Pay me 5% interest on my credit balance. not only that but I was also able to get a cashback credit card. This is a real step forward for me. Not that I intend to have to spend anything more then I am already doing. Just use it in a different way. Clear the bills completely and earn the benefits. (It will be a relief to have a buffer if I do get a large unexpected expense, say with the car or something though.).
Anyway I am pleased that its a step in the right direction for me, and in 14 weeks I will also get a £100 paid into my account. Bonus.

I talked with the social worker that attends the boys meetings, and discussed the issues that came up on Friday. She is in a complete agreement and understanding on our decisions. She also told me that it wouldnt be a major bother, as she was already going to have to stop the father of DGS1 from contact as he was abusive, threatening, and threw toys etc in front of his son, so much so that my grandson had to be removed from the situation by the workers, and they were on the point of having to call for the police. That was not a good situation for a small boy to be in and therefore they will not allow him contact anymore.
At least it will mean that they do not have to see that again, and that the foster family will not have to travel etc and hang around waiting for any of us. It does mean that I will not be able to say good bye to a lovely foster family, but I will wish them well through the social workers.
We are still going to be allowed to meet the adoptive family, if the adoptive family are in agreement. So I will know who they are with and it will be easier for me to put a face to them in my mind and wish them and the boys the best.
Difficult things to face still ahead of us in 2012. But I will be strong, and have to be strong for Twin2.

Savvy_sewing

Well I had a very strange collection of dreams last night. Feel quite tired this morning. Woke to go to the loo 3 times, which is not so bad in the grand scheme of things, but it took me an age to get back to sleep as my mind was either processing the last few days, or trying to make sense of the dreams. Even when i didnt want too!. Today, is going to be another day where i have to drive further then the nursery. Got to collect Twin1 for her contact with DGD. But thats not until this afternoon. Hopefully Molly is coming over for a cuppa. We didnt manage a meet last week I dont think. (Or if we did it seems so long ago!).
I sat for about an hour and a half last night, going through my junk jewellry, and my odd bits and bobs of no sentimental value, and have gathered them together, so that we can maybe raise a bit of funds towards the Wedding Fund for Biggest of Mooloo's. We are setting silly targets to try and hit, to challenge me to clear out my junk, and for her to raise the savings bar each month. Our aim is £100 this coming Month, but we have a head start as its part way through January. (So in my own mind I want to try and raise a bit more). Havent a clue on the value of things though, so thats the risk we will have to take. Not sure that there is much gold, only a few items that are small necklaces so they wont be much value, and most of my bits are silver, so again not a lot of value, but maybe added all together it will add up. Nothing ventured nothing gained, and all my jewellry of value is not going anywhere!.
Today, I also want to start to dig out a few books that I have lurking, especially sewing books that i no longer use. I bought a good lot of them via Amazon last year, so will see if I can sell them back.
I am on a double headed mission. Clear the clutter and Wedding Funds. Although I have said that any money I make from selling my craft work, is going back into the budget for DGD and I. I want the car serviced and then a holiday this year.

Do you think I may be a bit ambitious here?Especially when everyone is selling. Who is buying??????

minimoneysaver

http://www.hattongardenmetals.com/
This is where I sold all of my gold from exes. They valued it at significantly more than I had when I weighed it. Cash was in my bank account that very day and ready for me to draw out. I was also very surprised that much of the silver I'd purchased at pocket money prices made over 10times that. Fair enough, I did buy it all in the late 1980's when I was in senior school, but I still didn't expect it to make that much money. Even a few old tarnished silver chains raised over £100!
Go for it Mooloo!

Savvy_sewing

minimoneysaver wrote: »

http://www.hattongardenmetals.com/
This is where I sold all of my gold from exes. They valued it at significantly more than I had when I weighed it. Cash was in my bank account that very day and ready for me to draw out. I was also very surprised that much of the silver I'd purchased at pocket money prices made over 10times that. Fair enough, I did buy it all in the late 1980's when I was in senior school, but I still didn't expect it to make that much money. Even a few old tarnished silver chains raised over £100!
Go for it Mooloo!

I think I may just do that. None of the bits are of any significance to me. Mind you I have kept my silver bracelets back, well 3 of them. Seem to have lost the rest over the years. Which is a pity as I used to have 103 of them!! mm. What ever happened to them all???? Such is life.!