The long haul supporters thread...

In_Search_Of_Me

Evening all!
Stevie B would you like a number? People on the bankrupcy (? sp) very helpful. Have you ring one of the free debt agencies for some advice? I used to be very anxious about going bank but the more time goes on the more i realise that its just money - if I havent got it they just cant have it..
Keep up the good work pepys...I think its those little bits that make such a difference but are the hardest to break!
Just been to stay a couple of nights with best mate and famkily who are moving to Italy in couple of weeks...managed not to have too emotional goodbye and I will see them soon in their new house with pool! This week is one of goodbyes as another good mate going back to NZ..another place I can visit...if I ever have the dosh!

Happytogetdebtfree

Hi isom, I'm shattered in this heat i'm off to sleep the world woes off :-) x

scoobylicious

Hey nicca good to have you back :j my wagon's been a bit of a 3 wheeler too this month ah well, onwards & upwards
Sorry happy........but I'M LOVING THE SUN instantly puts me in such a good mood! Had a lovely day out with my mum yesterday, went to a salvage fair @ knebworth house & she paid for the entry fees too. Only spent £10 & got a top & a new pair of secateurs, so pretty good!
My mum said I must be the only person to go to a salvage fair & still manage to buy clothes :rotfl:

scoobylicious

Forgot to say I've taken over a year off my original df day :j:j:j still bl@@dy ages away but fab nonetheless

Happytogetdebtfree

Morning scoobs, sun lovely in day time just a night it's hot hot hot :-) yay on reducing the dfd:-) xxx

stevieb1

In_Search_Of_Me wrote: »

Evening all!
Stevie B would you like a number? People on the bankrupcy (? sp) very helpful. Have you ring one of the free debt agencies for some advice? I used to be very anxious about going bank but the more time goes on the more i realise that its just money - if I havent got it they just cant have it..

In all honesty bankruptcy doesnt worry me too much in one aspect, losing the house does.
the way im looking at things (probably a silly way but ho hum)

scenarios.

bankruptcy.
i lose pretty much _everything_ house/car/debts/arrears etc etc.
with this in mind i wont have to work 60+ hours a week, plus working where i am currently would be almost impossible due to location, cost of rent etc, so therefore would look to move back to a city and find another job, less hours so i can at least regain my life back.

non bankruptcy.
get to keep everything, but will still end up working 60+ hours a week, and not have a life, struggle through the quagmire of debts and hopefully come out the otherside relatively unscathed (just thinner lol)

there are other factors, ie access to my son which is waying heavy on this decision.

yes i spoke to the cccs when i was off sick, they recommended i go bankrupt, as did the CAB.
my stubborness/pride ive worked through and my priority debts / bills are at least getting paid.
its the unsecured ones that are causing me grief, without the "family" debts they are too substantial, but would like to get them all sorted anyway.

having only slept for about 4 hours from friday morning through last night hasnt helped a great deal, plus not eating from saturday morning till this morning ( had an infection in my mouth, net result 2 teeth out yesterday morning during work )

i have a call back from cccs again on the 5th July, but I dont think their advice will be any different in all honesty.
ive been reading the unenforcebility thread trying to make sense of whats what there? but im at a loss.

plus im waiting on info back re the LTD company, bits.

my goal would be to be at least back on an even keel by the beginning of next year when im out of the fixed rate mortgage (high rate at the moment).
im also still waiting on a final decision on my wage negotiations, if not i now have a fall back plan so to speak, i can do minimum hours @ work and take a second job on, in between but at a higher rate. i would work the same amount of hours but earn more.

Happytogetdebtfree

Email never in doubt she helped mouse ann sort her debts and 13 or more of her debt is unenforcable. Are all your debts with a dca?

Happytogetdebtfree

A house isn't a home it's brick family make it home I know it's alot to loose but for sake of dignity i'd be tempted to rid of it post An soa again and maybe we can see again where stuff can be cut. What's the issue re your son, x

stevieb1

Happytogetdebtfree wrote: »

Email never in doubt she helped mouse ann sort her debts and 13 or more of her debt is unenforcable. Are all your debts with a dca?

yeah they are all with DCA's now.

Happytogetdebtfree

Hi stevie B ok i dont have any idea about unenforcability but maybe email never in doubt maybe he can help repost an soa up here again for meeeee, ps got the pm lets hope we can make a change that will help x