I've quit everything. Now what ?

another_casualty

Payplan just got back to me . They will be contacting me again obviously . Probably today . Sounds like they've gone to the creditors with my offer of £13,000. That of course is split up to the vsrious creditors . I was asked how I was going to live for the rest of the year. I did say that I had a few grand put aside . Not lying .
I will have to go through an I d check . There is a slim chance they may accept . What would be nice is if they came back with an offer that is good and not keep me hanging on and making this long and drawn out .
We'll see.

lessonlearned

Sounds good so far.....just hang on.

another_casualty

Hello LL

Just received a call from the same lady at payplan . They asked me one other question . It was about my new home and if I had done any modernising in it because of my illness .
I obviously told the truth and said that I used to always live in upstairs maisonettes , but as my health is not as good as it was I decided to go for a ground floor flat . I told her I did not need to do any modernisation to it .

The information has now been passed to the settlements team .
I'll wait and see what gives .
Looking on how much I offered , I worked out I offered about 56%
If that is rejected , then I was looking at two other prercentages to offer. I think that if I offer 65% it would be £14,950
If I offered 75% it would be £17,250 and if I get away with either of those figures then I would consider it all worth while .

lessonlearned

AC. - you've missed a trick here.

Actually you have modified it........you improved the head height Of the shower, making it easier and safer.

You could also argue that you rejigged the kitchen the better to meet your changing needs.

They are hardly likely to send someone round to inspect the works, and in any case you won't be telling lies.

I think you would be perfectly justified in claiming that some of the changes you have made will ensure that your property is still suitable for your needs should your health deteriorate. You could quite truthfully argue that you were trying to anticipate your changing needs.

You could then present your case saying that the money spent on improvements was a need rather than a want.

I would ring her up and tell her.....otherwise they might question the amount that has "disappeared" and make you pay more.

Just a thought.

lessonlearned

Further thoughts.......you could argue that you needed a riser/recliner chair because of mobility issues.

Take a good look at your purchases and see what could truthfully described as improvements to make your life safer/easier. It might just strengthen your case and enable them to accept a nice low offer from you.

Now....I have no wish to pry but you mention you have a deficit of £743 a month, which presumably you will be funding from your savings.

Are you now claiming any benefits that you might be entitled to. (I know you were a bit loathe to claim but seriously if ARE entitled to some help then don't be too proud to accept it). It's your right. You have paid into the system long enough.

Also have you been able to work out a budget or is that figure a bit of a guess. Given that you are mortgage free it does sound a bit high. Can you tweak it a bit.

Sorry if I'm stepping over a line here but if you don't get some income in - either work or benefits....then you are in danger of depleting your savings, especially as investment interest earned is likely to be very poor.

I appreciate you have manintenance and service charges but as you know I have decided to buy my sons house so have worked out my budget.

I haven't got the figures to hand to show you a breakdown but my total monthly spend, including all household bills, food, running a car, gym membership, PHI, and discretionary spending comes to less than that.

And you haven't got a car gobbling up cash. :rotfl:

another_casualty

Thanks LL
TBH , I don't know if I could've gotten anybody as slow as this lady.
If I asked her again , she might adjust the info buy Sunday lunchtime
There was absolutely no bounce to this woman . Having said that k I am a special case and totally confused her from the beginning
I'll leave it and hopefully everybody's happy . We'll see

lessonlearned

Fair enough......let them make an offer.

Then, if you are not happy, you can tell them about your home improvements.

It might be extra leverage for you to get a better offer.

lessonlearned

Ps. Don't be in such a hurry to wrap this up........another few days won't kill you.

Talk about "bull at a gate" :rotfl:

Don't rush them, let them weigh everything up so that they can be fair.

another_casualty

lessonlearned wrote: »

Further thoughts.......you could argue that you needed a riser/recliner chair because of mobility issues.

Take a good look at your purchases and see what could truthfully described as improvements to make your life safer/easier. It might just strengthen your case and enable them to accept a nice low offer from you.

Now....I have no wish to pry but you mention you have a deficit of £743 a month, which presumably you will be funding from your savings.

Are you now claiming any benefits that you might be entitled to. (I know you were a bit loathe to claim but seriously if ARE entitled to some help then don't be too proud to accept it). It's your right. You have paid into the system long enough.

Also have you been able to work out a budget or is that figure a bit of a guess. Given that you are mortgage free it does sound a bit high. Can you tweak it a bit.

Sorry if I'm stepping over a line here but if you don't get some income in - either work or benefits....then you are in danger of depleting your savings, especially as investment interest earned is likely to be very poor.

I appreciate you have manintenance and service charges but as you know I have decided to buy my sons house so have worked out my budget.

I haven't got the figures to hand to show you a breakdown but my total monthly spend, including all household bills, food, running a car, gym membership, PHI, and discretionary spending comes to less than that.

And you haven't got a car gobbling up cash. :rotfl:

Great wisdom again LL . To be perfectly frank and honest ( as always:)), I have decided to more or less stick with my original intentions . One thing I will own up to now which is really bad, is that my head has been in the sand somewhat. I'm not proud of that obviously, however I know I haven't frittered away loads as my home is purchased well under budget. However , my plan is/ was as soon as I paid off the dmp to split how much I have left into another account or two ..and budget properly for the first time in my life.
I will be monitoring everything and will be ontop of things once and for all .

Regards signing on : no I haven't done anything . I don't intend to.
I remember the bad treatment you were getting when your other half was in a bad way. That's just one example . I'm getting a little apprehensive as to what situation I'll be in a year from now .
However I am not gonna be treated like crap if I can avoid it
My aim is to treat this as my year ..a year off from everything .
I could've went to the gym 6 months or so ago but I was not ready.
I am now and start on Monday . How much will I have lost by not signing on? About £6,000 . £3,000 if you ignore the first six months as I left on my own accord etc.
When I was means tested , I daid dentist £60 p m
All in all it's cost me about £3-35000 but when the case officer is very slow and pedantic the figure sounds worse than it is .
I'm treating the dole cost as being part of the process of my big move
What could happen is I get tax relief / rebate when I do start work
May or may not , that's another story
Seems mad, but I'm gonna keep my aims and avoid depression

anna_1977

ooh AC I was about to ask if you've started the gym - i look forward to Monday's update on how it went!
I did pilates for the first time yesterday and boy can I feel it today!:rotfl::rotfl: