It's ALL going wrong...

Gimpsdad

Forgive me for not remembering the specifics of your car, but unless it is of disproportionately high value then you have little to fear.

As for IVA and CCCS, well, the fact that you qualify doesn't mean that they will recommend one to you, they won't. The creditors who pay CCCS wages will have to write off debt, and CCCS will not make as much commission. Never mind eh? It will all be ok, as the advice you have had is free, therefore it is right.

Except that that is rubbish . Tomorrow, you will face 18 years of paying debts, with an agency that takes a commission to collect your debts, when you could be facing 5 years in IVA, or less in BR.

You need to make a final choice, and don't put creditor interests and CCCS first. Or, don't. Your choice. But don't then come back on here and tell everyone how hard it is whilst singing the praises of those that leave you with nothing to live on if you decide to stay on a ridiculous DMP.

Rochdale_Guy

Just when you thought it was safe to go back in the water.......

Today we were told our posts were being "deleted" and we are now being made REDUNDANT.

This is all over now, what is the point? There is NO light at the end of the tunnel.

The Council are in a 30 day consultation period that ends on the 27th July, then we'll get our terms etc.

Great, just great :wall: _pale_

sickasachip13

B@lls. That's awful RochdaleGuy, I'm really sorry to hear that. I guess your creditors are going to have to take a running jump.

SAAC

sistafromanothermista

:wave: and :kisses3:
I am going to tell you to look on the bright side you have your health and you have options. Go back to the advice place to see what ideas they have. Maybe look a bit more into an IVA?
Keep your chin up. Redundancy is NOT the end of the world. My DH was made redundant last year and said to me 'it's an opportunity to do something else with my life' so look at it that way. Get back on the horse and think of the positives.
Debt gets you down there's no doubt about it but we're a long time dead as my nan used to say

Pennywise2012

You have my sympathies - it must be awful to think you have everything sorted and then it all get derailed again.

I think that properly understanding the worst case scenario is a massive help in facing uncertainty - only thing to fear is fear itself and all that....sooooo this is my experience of what happens when your life goes down the toilet. If the worst comes to the worst, and it may not - you might have to declare bankruptcy (at least your redundancy pay will help with fees though), and claim benefits. This is my situation ATM. There's 3 ways of looking at it. You can look at what you had, what you've got, or what you can get in the future.

What you had
You could well lose your car, as even if OR lets you keep it, you'll struggle to run it on benefits. So you'll miss your car.
You've not got a job anymore, you're on benefits. You have to tell new people you don't work, and it's a horrible feeling.
You can't really go out like you used to, stuff that seemed really basic before is suddenly unaffordable luxury.
But looking back at what you don't have any more is just pointless, it's not gonna bring it back, and it's just going to make you miserable! So I suggest.....

What you've got
You'll have a roof over your head and food in your belly. There's no worrying about creditors, demands, late payment fees. Being on a tight budget means you know exactly what you're spending your money on - there's very few decisions to be made money-wise. You'll sleep at night! You won't fear the phone ringing or the postman. You'll learn who your friends are - not in a bitter way, just that the more drinking-buddy ones and the ones that you just know through work will drift off, whereas the good 'uns will come and sit in your house eating your home-made curry and watching freeview with you It's not drinking champagne in the Ritz, but it's not sleeping under the arches in a cardboard box either.

And the best bit.......

What you can get in the future
First of all, you WILL get another job. You're capable of stringing a sentence together, and you can run up Rochdale town steps two at a time, so mentally and physically you're doing well However now, the world is your oyster. I imagine that, as a small boy, you didn't dream of one day working for the council. Most people just kind of fall into their career path, and once you're on it, it's nigh on impossible to just jack it all in to do something else. Being made redundant from a council job is a pretty good excuse for an employment gap in the eyes of potential employers - it's not like you got sacked or just left or anything that could be deemed to be your own fault. So you can use this time to think about what you really, really want to do, and find out about training, courses, work experience, job shadowing.
Because you'll be used to living on knack all, when you get your new dream job, you'll feel sooo rich. You'll appreciate all the little things.

I hope this helps, and I hope it doesn't come across as patronising or anything - like I say, this IS my life. I dreaded all this happening, but when it did, it turns out that it's not as bad as I thought. I hope everything turns out OK for you.

Rochdale_Guy

Thank you so much sickasachip13, sistafromanothermista and Pennywise2012 for those lovely kind words.

I'm sorry I haven't replied sooner, was on holiday for 2 weeks (probably my last one for a long time....), then decided to keep my head down and bury my head in the sand so to speak....

Things have been very topsy turvy at work, we were originally told we would get 90 days notice, which is a big help, then we were told we were only getting 30 days notice (you have no idea of the panic that instils knowing you could be out of work in a month from the day they issue your letter), and now... we have found out by digging into the Council's redundancy policy that you are entitled to one weeks notice for every full year you have worked there, so as I have just done 10 years on 1st July.... I should hopefully get 10 weeks notice. Whether that will happen is a different matter as there are only 3 of us left in the team now and we all have different "times".

There is a consultation meeting on August 17th, then we are meant to receive a redundancy letter on the 20th....

3 weeks and counting, I am scared to tell CCCS, and of what the future holds

Thank you to everyone who has ever replied to my posts and helped me :beer:

I have a long way to go yet...

mellymoo74

wecandothis wrote: »

I agree about the payroll, i've worked in wages for years and there is no reason something thats not going to be credited till next Wednesday cant be altered.


I do our payroll on a wednesday for crediting into accounts on a friday, so i doubt yours has even been done yet.

This :money: they mean that you have missed the cut off for easy changes as this is their error I would call them and tell them that they wont be sending the money until Monday 2pm to have it credited by Wednesday and as such unless they are prepared to reimburse you ALL bank fees they need to get it changed to the new account

Rochdale_Guy

Er, thanks. That was months ago, but it's all sorted now.

Angry_Bear

Hopefully you will get a good redundancy settlement. Have you given any thought about what you will do with it?

You will want to keep some for living costs until you find another job (which you will!) but you might want to consider making some F&F offers. Don't forget to check how this might affect any entitlement to benefits you will have.

And try not to be too down on yourself, look at your 10 weeks notice as an opportunity to get looking for another job while still being paid by this one

bankscausepain

As Pennywise2012 said, you have to see this an opportunity. An opportunity to find a new job, hopefully a more exciting job, and one that pays more money. Which will eventually speed up your debt repayment.

Did you really want to work at the council for the rest of your career? Take the redundancy package and move upwards in the world.

I trust at this stage you are researching the local and regional job market.