Putting My Life Into Order

catandy

PPI money used to clear rent arrears so no rent arrears (again) but no money left for spends or paying off a chunk of something else and will still be doing Christmas out of normal living money so its like time has stood still really:D


oh well at least I'm no worse off than I was before!


lcc made £83 in 3 hours of being live yesterday (the user is not the best converter) but it all adds up - we are on track to do $16K worth of business on the biggest software plus the smaller sales on mini version so all going good.

catandy

payment from LCC for the 600 hasn't come thru and I cant get an answer from ex and business partner other than its needed by the company. I think I'm being taken for a ride again - I came back to the company and bought the contract on I had been working on, we agree a payment schedule to me monthly and its honoured for one month! totally sick of this now


DS1 is back to normal if still walking a bit tentatively, think its made him think about being so gung ho about what he does. DS2 has been told he is not entitled to any JSA for 3 months as he made himself intentionally workless (the company who had him as an apprentice didn't keep him on so I don't know how they work that one out) - anyway we're appealing the decision but I don't hold out much hope of it being successful.


work for me just plods on - should be putting revised offers thru to all creditors but im going to wait on my payslip till I know proper figures to work with.


other news is im going to the doctors - I don't think im far off being depressed with all the turmoil of the last year and find myself in tears on and off which is really not like me. going to go and see what the quack says.

triple_choc_chip

Call me a cynic but I expect his daughter needs it to buy xmas pressies.

dawnybabes

What an a***hole .... Does he really not realise you need it too.

Hope doctors help

catandy

don't think he cares tbh..


I've resigned from the company again and this time it's for good. I need to get me and my kids lives back on track and I cant do that with him still having control of what money I have coming in (or rather not). written off what ive put in moneywise and time / effort wise for my own sanity. I need to feel like I'm in control and with him overseeing it all I don't


........................................................................................


anyway news from my side - I've been put on some tablets from Doc to make me sleep/ calm me down a bit plus he's arranging some sessions of therapy. I've pulled a few days sick off work, I'm still ultra fragile with all that's going on and I don't think I could take abuse from people on the telephone at the moment. Plan to go back tomorrow so I'm giving myself some TLC - early nights, wholesome cooked meals and not berating myself for the stuff that doesn't get finished.


I'm also looking into bankruptcy for the first time in any seriousness. with no income from LCC and just working with my basic wage and up to the bit of commission ive earnt so far I'm looking at between 8 and 12 years to get clear. ive already been plugging away for 18 months and have got virtually nowhere - so I'm reaching the end of the road with this.


going to give myself till Jan to make a decision - that's plenty of time not to jump into things.

Mara_uk7

Catandy, Ive followed your journey thru all your ups and downs. Its been quite a journey, and so many times Ive felt you need to get away from the ex, first geographically when he was staying at yours, then professionally when you were involved in business with him. He really appears to be a toxic person for you now. He was no support at all.

Whatever you do financially is your decision, It will be the right decision for you. Wont it be lovely to live "normally" again, not scrimping and scratching and wondering if you can afford basic things .... I hope you dont mind me dropping my sixpence worth in. I admire how youve coped so far and I truly wish you all the best for whatever you choose to do,

AndyBSG

catandy wrote: »

I've resigned from the company again and this time it's for good.

While I think this is a good move, it does seem quite poor that you're being forced to walk away from something you've put time and effort into.

Are you an actual registered partner in the company? Are you legally entitled to any of the assets in the company?

I understand there might not be any actual monetary assets in the company at present but surely you have some sort of share of ownership of the software itself?

As for Bankruptcy, I'd certainly recommend it in your situation and if you speak to a stepchange advisor i'm sure they'll give you good advice regarding your current situation.

catandy

Andy yes im a registered partner and apart from the short hiatus when ex moved out and I stepped down I always have been. I've also devoted nearly 3 years of my life and copious amounts of money getting it off the ground - that said I can't do this anymore. Ex is using the company bank account as his own personal bank account which means its in the lap of the gods if/ when I get paid at all.


I could ask to be paid off but that would strip what few assets there are in the company making it unworkable - it would also destroy what hope there is for it making an income for ex's kids who are still company directors. my kids are resigning as directors - DS1 had a run in with ex last night when he phoned my home saying if he ever shows his face he would get a kicking from both DS1 and DS2 for payback - not what I want to happen and not the way I want me or my kids to live.


I haven't got any fight left - its that simple. I am supposed to be back at work but I haven't made it there so the way I'm going that's going to explode in my face and I'm going to lose the job as well. My kids are disappointed in me, I'm angry at myself and I feel such a bloody idiot ending up in this sorry mess that I cant seem to make a decision and stick to it and move forward and make things better.


I had a DCA on yesterday for one of the debts despite them being on a payment plan which they have agreed to insisting that I need to up my payments from January. Ended up in me yelling at them to not call again as per my written instructions and slamming the fone down in floods of tears - not good.


I'm going to take a step back from all of this including on here, I appreciate the advice and concern from people but it just makes me wobbly reading it. I need to get myself together and toughen up a bit so I can face what I need to do.


TTFN

Mara_uk7

Take care of you & yours, and do pop back to let us know how well youre doing in the future x I, for one, will miss your posts.

triple_choc_chip

Good luck, merry Xmas, happy new year.......

I'm going to stay subscribed so that I know when you're back in the fight, I hope you feel stronger soon. And I hope that all those peops you've been supporting emotionally and financially will now carry you for a while x