I could lose my new house what can I do please help

mouseclick

amani wrote: »

Again I agree with pania sounds like SLG has not yet has his full lightbublb moment. As mouseclick says he thinks this new job is the solution. I hope he sorts it out and keeps his house, but I think he will be back. Even with the new job he will still find it a struggle.

Amani xxx

SLG still has his house, and he seems to have fallen in s**t and come up smelling of roses. His job is going really well, he has a van, gets company diesel etc. 1st Paycheque due Monday 17th September.

Met him on Saturday as he came back to his home town to renew a mobile phone contract. I spent 2 hours in a mobile phone shop with him learning how South London Phone dealers operate. Amazed. I used to be a Trading Standards Officer, and about 20 years ago I joined a company on the other side, defending car dealers from Trading Standards, and I learned how East End car dealers operate. Same old story today with mobile phones, dodgy paperwork, photocopies and phone calls.

Anyway he is happy with his new job, and so am I with my Tesco rose! It tastes lovely! Cheers all. SLG, you know what you have to do. Pay your bloody TV licence and sort your life out.

amani_2

Thanks for the update mouseclick.

Whats the Tesco rose? did I miss something?

mouseclick

amani wrote: »

Thanks for the update mouseclick.

Whats the Tesco rose? did I miss something?

Tesco Rosé wine. 2 small cases with 1000 clubcard points :beer:. Hehe!

Order Summary:
===================================================
2 x Jp Chenet Rose 25cl 6 25 CL
£16.54 (2 @ £8.27 each)
===================================================
Subtotal of all items: £16.54
Delivery Charge: £5.00

Subtotal before discounts & vouchers: £21.54

---

1,000 Extra Clubcard Points: -£0.01

(and Quidco)

rayday2

Why has he renewed a mobile phone contract before he even has a pay packet from my memory he did not know how much tax etc he would have to pay or how it would effect his tax credits, seems a bit foolhardy commiting 12 months to anything with the level of his debt.

Debt_Free_Chick

My concern is that he has only "fixed" one out of three elements of his total problem

He's fixed the "income" (well, kind of)

But he still has no budget for his essential spending (or at least, he hasn't posted one)

And he has no idea of what he spends his money on.

Temptation will be that he feels "rich" now and will simply spend, spend, spend.

Very sad - very foolish.

mouseclick

rayday2 wrote: »

Why has he renewed a mobile phone contract before he even has a pay packet from my memory he did not know how much tax etc he would have to pay or how it would effect his tax credits, seems a bit foolhardy commiting 12 months to anything with the level of his debt.

There is no real point in asking me, my opinions may be wrong. But my guess is probably because he hasn't given any thought to it. A mobile phone is a status symbol. He probably wants to reward himself for all the gas pipes he has dug up on the streets of London.

The gory details:
SLG has a business relationship with the phone shop. He did them a favour, now they owe him a favour. As an ex trading standards officer, I was absolutely gobsmacked to know how they operate. But that's the way it is.

mouseclick

Debt_Free_Chick wrote: »

My concern is that he has only "fixed" one out of three elements of his total problem

He's fixed the "income" (well, kind of)

But he still has no budget for his essential spending (or at least, he hasn't posted one)

And he has no idea of what he spends his money on.

Temptation will be that he feels "rich" now and will simply spend, spend, spend.

Very sad - very foolish.

I just hope he listens to you lot. He says he will do an SOA after his first pay

PasturesNew

Rule 1: I should have read all the pages ... and not posted after I'd read p1.

Doh me!

rayday2

mouseclick wrote: »

There is no real point in asking me, my opinions may be wrong. But my guess is probably because he hasn't given any thought to it. A mobile phone is a status symbol. He probably wants to reward himself for all the gas pipes he has dug up on the streets of London.

The gory details:
SLG has a business relationship with the phone shop. He did them a favour, now they owe him a favour. As an ex trading standards officer, I was absolutely gobsmacked to know how they operate. But that's the way it is.

A better reward would be paying off some debt and getting out of negative equity rather than adding to it.

For someone who moved for there child to give them a better life they are forgetting what is important - status symbols to not keep you warm at night.

mouseclick

rayday2 wrote: »

status symbols to not keep you warm at night.

For once I agree. But I am 52 now, and SLG is a lot younger than me and is making lots of mistakes (I am sure Carol Vorderman will be pleased). I made mistakes when I was younger, eg 30K credit card debt in the 80s when interest was over 20%.

By the way he has had his pay, but no wage slip, and he won't get one for a couple of weeks! He has sent me a draft SOA based upon a template that someone here sent him, but there are lots of estimated figures that he wants to correct. Looks as if he is getting £90 a day before tax, but he may be on an emergency tax code.

He seems to have a couple of hundred spare per month, on his estimated figures. He thinks he will post his SOA in 2-3 weeks now, he is in contact with the tax office about his non receipt of a wage slip from his employers. He is aware that this forum will help him, so he will post it, I am sure. But he wants to get his facts right before he posts.

And he is reading the posts.