In Need of Some Support

dancingfairy

Hi,I think the first, most immediate problem is food. You can't think straight when you haven't had any food. Is there really no-one you can borrow £10 off for food? Even if you could buy a bag of porridge, a loaf of bread and some beans it would help.
Apart from that I would suggest in no particular order:
a church/mosque/temple or other religious group.
A soup kitchen
A food bank

With regard to the mediators have you explained that you can't afford to pay? I think you should probably write to them and explain that you would like mediation but you just can't afford it. You may be entitled to it free or greatly reduced charge.
Don't feel bad about accepting help, sometimes everyone needs help. You wouldn't think badly of helping someone else out if they obviously needed it I guess? When you are feeling better you can pay it forward, by volunteering, by donating some items to a charity shop, by doing some fundraising, making a donation, or just by being a listening ear to someonelse going through a tough time.
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alastairq

Hi..I agree with dancing fairy....the first thing when dealing with a debt situation....regardless of how you feel it originated, is to focus on the nuts and bolts of merely living.

If needs be, go back to the British Legion, ad say you've had a change of heart regarding their offers of help?

You are in a dark place at present, but it seems you have seen some flickers of light?

I'm afraid 'pride' must take a back seat for now.

Don't pay for meditation....go and speak to one of the [debt] charities...CAB can do this for you?

What is the attachment of earnings in regard to? [without too much detail, please?]

Do you have any property assets at present?

Bankruptcy itself is actually a far less stressful affair than Divorce.

Mainly because Divorces can contain an unduly high proportion of emotional angst.

What really gets on the way of BAnkruptcy is morality and pride.

And concern over what others may think?

All of which have no place when dealing with debts.

The only real issue regarding BAnkruptcy is...initially, finding the £700's worth of fees!!

As a mere suggestion, could you not sell the car/vehicle, and purchase one a lot cheaper?

Or are we talking of a time factor here?

Chin up, that light at the end of the tunnel isn't a train after all!

michael1983l

alastairq wrote: »

What is the attachment of earnings in regard to? [without too much detail, please?]

Do you have any property assets at present?



As a mere suggestion, could you not sell the car/vehicle, and purchase one a lot cheaper?

Hi thanks for the support, in answer to your above questions

The attachment of earnings relates to a payday loan, I have spoken to both the loan company and the courts and they are unwilling to change the amount unless I submit a form, which costs £80 to process and 4 months to get through the courts. So in esscense it is not worth while doing.

I have absolutely nothing of any value

The car is a company car.

Borrowing is not an option because I find it very difficult to even find somebody who will borrow me even £10 now, not because I have never paid back but because I have asked too much. Also realistically I cannot afford to pay them back any longer.

I have managed to borrow 2 tins of beans and half a loaf of bread which should get me through the next 3 days or so at least.

Thank you for those who have offered support.

dancingfairy

The actual bankruptcy process is fairly straightforward. You fill in the forms, turn up at the court and pay your money. The judge may then want to see you for a quick chat (or they may not) and then you are sent on your way with a stamped form. Your biggest problem is going to be getting the money together. As you have contacted the Royal British Legion you may find that they are able to pay your bankruptcy fees for you. It's definitely worth asking them.
I think you need to focus on getting to payday and then focus on after that.
What do you need between now and payday - in terms of food/money for food/petrol etc? That should be your first priority.
You also need to consider whether you have any DD's or standing orders or any continuous payment authorities on your bank account that may cause you issues. You need to try and make sure that you get hold of your money when you get paid and it doesn't get taken for debts.
Are you able to apply for a Co-op or Barclays basic bank account? this requires no credit check an should allow you to take back control of your money and get your salary paid into there. This means you can control who gets paid and when rather than having the money taken for an overdraft or charges or payday loans.
df

michael1983l

I can't apply at Co-op or Barclays as I have debts with them. I am applying for credit union account as soon as I have £5 to open one with.

egrescrimp

michael1983l wrote: »

I can't apply at Co-op or Barclays as I have debts with them. I am applying for credit union account as soon as I have £5 to open one with.

Have you considered https://www.ffrees.co.uk/ ?

michael1983l

egrescrimp wrote: »

Have you considered https://www.ffrees.co.uk/ ?

I have used similar before Think Money and they are a real pain in the butt. Manchester Credit Union do bank accounts by proxy with the Co-operative so I am keen to go with them.

WickedWitch123

Do you live in Manchester Michael, or thereabouts?

longtermplanner

hi Michael,

I normally suggest that people just postpone bankruptcy until they feel more up to dealing with it. But the attachment of earnings isn't going to go away, so unless that will end soon, bankruptcy may indeed be your best choice.

michael1983l

WickedWitch123 wrote: »

Do you live in Manchester Michael, or thereabouts?

Yes on the outskirts