going bankrupt .

luckymum_3

hi,did sell stuff that wasnt used but that just got me over xmas as it paid for the food.my mom is on benefits so cant try her.and i do agree with you ,its the constant phone calls that you get and i have just had enough.

Bakeybadoo

I obviously don't know your situation but I can say that I've sold everything that wasn't nailed down basically to get my money up together.

I currently have 36 items on there now to pay for us to eat next week b/c it's that bad right now after spending out for him to go BR.

Look, look and look again for stuff to sell, I swear I don't know how but many times I've said 'we've nothing left to flog' but we always find something or another.

As I said, the only other option would be to try the DWP. Bit sneaky but needs must. Say you need a new cooker or a fridge, something that you HAVE to have to live basically. It might take you a few days for them to process it and come through but worth a shot?

Let us see your SoA, maybe you can stop paying everything but the very basic for a month or two. So just your rent and utilities. Let the Virgin one slide and anything else. They won't cut you off straight away anyway, I've been up to 2 payments late before they've restricted our services.

luckymum_3

whats the dwp.
my soa is
weekly... £10 water
... £5 tv licence
... £30 provident
... £20 electric
... £25 food
... £16 phone ,internet,tv
... £ 7 scotcall debt recovery
then ndr £15 month
great universal £10 month
kays £5 month
npower £10 month
visa £20 month

Bakeybadoo

DWP = Department of Work & Pensions. What the DSS/Social is now called.

Bakeybadoo

luckymum wrote: »

weekly... £10 water
... £5 tv licence
... £30 provident Stop paying. Is that weekly? Blimmey, I borrowed £250 off them and only paid £15 per week back
... £20 electric
... £25 food
... £16 phone ,internet,tv Stop paying
... £ 7 scotcall debt recovery Stop paying

Will save you £212 per month.

then ndr £15 month
great universal £10 month
kays £5 month
npower £10 month
visa £20 month

Stop paying them ALL.

Will save you £60 per month.


= £272 per month saved

You only need do it for a couple of months to afford the fees.

luckymum_3

dont no if they let me..i currently am paying them £16 a week for a loan i had and i am now up to my loan limit.. i had thought of it.

Bakeybadoo

Who is that you are talking about?

luckymum_3

hi,provident loan i borrowed was £1500 ,i still owe £1400 an i have just paid of the interest and still about a year to go .what happens if i stop ndr etc as the £ 15 a month i agreed to as with all of them .and scotcall are the worst ones ,they are so rude that i agreed to the payments and got off the phone in tears...if i stop paying wont they just take me to court.

luckymum_3

hi,bakeybadoo,was for you about the dwp, i didnt see the other part of your reply about stopping payments

Bakeybadoo

They won't take you to court, it's more money for them to shell out, it's easier for them to simply berate and harass you into paying them money.

Honestly, *if* they were to take you to court, it would take more than a month or so anyway and you could simply tell the court you were applying for BR. It won't happen anyway, it's never happened to me and I've had debts I've not been paying for many, many months.

Who are ndr exactly?

It's only going to be for a couple of months though so I wouldn't worry too much. If the calls are too much, ignore them. If you are with the likes of BT, change your number or maybe get caller ID?

Yes, Provident are rip off artists. I regret ever getting involved but needed the cash to pay our rent one month.