Help urgent advice needed

Richard_S

:beer:

terrifiedhelpme wrote: »

Ok sorry another quick question,

This SD how do I actually tell if it fromthe court or the solicitor? It reads like its come from solicitor but have just had my BR information pack come through from National Debtline and it says it can only be issued by the courts. It will have a Court name, address and Court Stamp; if it has then ring the Court and ask them to confirm that it's genuine, it'll have a reference number on it somewhere.

Hubby spoke to CCCS last night who have said it dosen't look like he has much alternative to going BR but that I should defend my SD as they don't think it is worth us both declaring but, that an SD stays on your record anyway for 6 yrs as does BR so either way my credit is screwed, so devil and the deep blue sea really. Are you both named on the Statutory Demand and how much is it for?
Is it harder to regain control if both of us are BR? It does make things easier if one of you doesn't declare bankruptcy, but you have to balance that with defending the S.D and then having to stick to the repayments that you've agreed in Court.

Now just need to wade through all this paperwork

Also know what you mean about the blame game Richard we had our first row about the whole thing last week and I didn't actually say it but implied it was his fault, minute I said it I regretted it as it's not true. We are in it together no matter whose names the debts are in we've both made mistake through trying to make our lives better and it's backfired, now we are both paying the penalties as a couple and I think if we can get through this together it will make us stronger. God it's so bloody scary and hard though.I would never say it's easy, it's a terrible strain on your health, peace of mind and relationships. There's nothing wrong with having the odd blazing row, it helps you both let of steam; wow, have we ever let off steam over the last few months :eek: :eek:
Thanks to all of you though for pointing me in the right direction and just being there to talk to as I can't talk to any family or friends about this as feel like such a failure.

Hey thm,

You're not a failure because if you are that makes me an even bigger one and I'd never admit that; even to myself :rolleyes:

terrifiedhelpme

Ok first thought's were right I'm now 99% certain it's from the solicitor as no official stamps anywhere and no reference numbers apart from one for the solicitor.

We both have seperate statutory demands for the same amount of £8,614.40, however it has got the bit about a bankruptcy petition being made in court all crossed out. So now my rational head is on does that mean they are not going to petition it in court, and they are just using scare tactics for full payment? Still can't get any legal help on this.

We had CCCS say that currently while I'm not earning very much (£70 per week at the mo) we are £1,300 a month short of all our outgoings which looking at it like that is no surprise we're up to our necks in it. So major job hunting is on now to try and supplement our shortfall.

I'm hoping we can avoid major rowing as still only in 1st year of marriage.
How do you stay strong through it all?

Richard_S

terrifiedhelpme wrote: »

Ok first thought's were right I'm now 99% certain it's from the solicitor as no official stamps anywhere and no reference numbers apart from one for the solicitor.

We both have seperate statutory demands for the same amount of £8,614.40, however it has got the bit about a bankruptcy petition being made in court all crossed out. So now my rational head is on does that mean they are not going to petition it in court, and they are just using scare tactics for full payment? Still can't get any legal help on this.

We had CCCS say that currently while I'm not earning very much (£70 per week at the mo) we are £1,300 a month short of all our outgoings which looking at it like that is no surprise we're up to our necks in it. So major job hunting is on now to try and supplement our shortfall.

I'm hoping we can avoid major rowing as still only in 1st year of marriage.
How do you stay strong through it all?

Hi thm,

They can't even think about a petition until the S.D has gone to Court; it hasn't even been issued by a Court so if you run out of loo roll in the next few days don't look far for a replacement :eek: .

You can't stay strong all the time throughout anything like this, you've got to accept that you're going to have good days and bad days; it's as inevitable as night follows day. Force your mind to think about the good things in your life when the demons start to invade; it's the same as any muscle, the more you train it the more responsive it becomes.

Above all, keep your objectives clear in your mind; write them down and refer to them when you start to weaken. Set yourself a list of tasks to do the next day, start with easy ones and then move on to the more demanding ones; if you keep yourself busy there's less chance of being susceptible to negative and destructive thoughts.

Best regards

Richard

debbiejd

Well Thm. .
I have read from beginning to end all the posts on here and feel that only in a matter of days you are getting the advice and support you need both from Richard (primarily) and fermi, it looks like that there is the glimmer of a plan to sort yourself out without losing your precious horses.
I hope it continues in the same vein, and altho i have no personal experience or advice I can give you, be sure that there are plenty of people who are supporting you.
keep us all informed of how you get on

be strong
debbie