“Rock bottom became the solid foundation on which I rebuilt my life.”

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  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
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    Happy Birthday!! xx
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
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    :bdaycake: Happy birthday, TOPM! :bdaycake:

    Advice r.e. the council. Go to see your MP and get them to write a letter to the council. Bring all your paperwork along to explain what is going on and ask them to help you. You can find out when your MP has his/her monthly surgery and you can pop along to ask them for their help.

    Keep a copy of every letter and all docs. that you send to the council, preferably sent recorded delivery so they can't say they haven't received them, even if costs you a bit. At the very least, get proof of postage, although that only proves you sent it, not that they received it.

    Best of luck and have a wonderful day! :D
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • joeyjimbles
    joeyjimbles Posts: 2,219 Forumite
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    Happy Birthday - hope you and the smalls enjoy your cake x

    :coffee: _party_ :dance:
    NF 05.24 £18.00/£00.00 £72.00/£72.00
    LD 11.24 £500.00/£465.00 (93%)    Fn £400                                                     
    Renewal 24 £400.00/£404.00      Renewal 25 £450.00/£085.00 (18%)    
    Avch 08.24 £100.00/£070.00       NPt 12.24 £250.00/£086.00
    FD £3600.00/£1200.00                 X24 £1500.00/£0750.00

  • Cherryfudge
    Cherryfudge Posts: 10,232 Forumite
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    Happy birthday! Here is something to have with all that cake:

    :coffee::coffee:

    Have a lovely day xxx
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration challenge, 2024: Trainers 5 coupons, dress 7 coupons = 12/68
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    Thank you for all the Birthday wishes, and thank you for all the cards too :D

    Smalls are all away to school, I've cleaned a little but now I'm sat having a coffee before going to my appointment.

    Have a lovely day all

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • sashybo
    sashybo Posts: 4,507 Forumite
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    Happy birthday dear W. :beer:
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £13,870, Car loan 2 £10,310 . Debt Free Diary to try & keep spending in check.
  • Former_MSE_Andrea
    Former_MSE_Andrea Posts: 9,612 Forumite
    Combo Breaker First Post I've helped Parliament Rampant Recycler
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    Bump bump bump
    Could you do with a Money Makeover?


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  • Cherryfudge
    Cherryfudge Posts: 10,232 Forumite
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    Is this IT??!!! The lost thread?

    Andrea are you a magician? Wow... thank you so much!
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration challenge, 2024: Trainers 5 coupons, dress 7 coupons = 12/68
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Cherryfudge
    Cherryfudge Posts: 10,232 Forumite
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    Wannabe, I think MSE has just given you a birthday present - the original form of this thread is back!
    :beer::j:beer::j:T:T:T
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration challenge, 2024: Trainers 5 coupons, dress 7 coupons = 12/68
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • EssexHebridean
    EssexHebridean Posts: 21,482 Forumite
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    Andrea AMAZING work - thank you SO much!!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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