Sick of everything, any advice?

Jacks_xxx

garysumpter wrote: »

So are you saying I need to go through my debts a third time with them?

I did it with the first person, then the interviewer today, SURELY not again?

I know its a process but I hoped for a little hope to come from the phone call, not just 'we will send you an info pack'.

HOPEFULLY it will contain some useful info though.

Gary

Ooh. I'm a bit confused then.

You've given them specific details such as APR's and minimums, start and finish dates and proof of income etc already?

Ok.. well I guess all you can do is what they told you to.

Ooh also...You can fill out the info online to give you a good idea of what their recomendations will be.

The recommendations are only as good as your info theough. the more detailed and exact your info the better fit the recommendations will be.

https://www.cccs.co.uk/debtremedy/(atx3ie55wbpto1mjtk5duan1)/Start.aspx?hp=1

Chin up hon,

Love Jacks xxx

rustybucket

What marketing experience do you have?

How do you generate business? How many clients do you have?

Is it just you and your partner (I take it girlfriend, not busiiness partner)?

You working all hours to get this up and running is expected, is there constant growth each month in your business to suggest that you will have enough clients spending a good proportion each month? How much of your turnover are you putting back into the business each month? How many clients realistically do you think you will need to ensure you will have a good standard of living each month? In a % how far away are you now from achieving that goal?

Do you run this from home? Is it run from a premises?

garysumpter

I have been doing this for around 9 years so I am confident in my ability.

I have a steady stream of work coming in and as I said, partnerships are being formed so I will, in essence' have a sales team working on my behalf.

rustybucket

I was asking those questions to see if I could help give you some ideas etc.

I hope this goes well for you, I have to admit while I don't know you, your business, I think there are a few alarm bells going off in relation to your business. I really think you need to consider all your options.

Best of luck

LandyAndy

I do hope you have registered your business with the good old Revenue and Customs.

garysumpter

LandyAndy wrote: »

I do hope you have registered your business with the good old Revenue and Customs.

Of course!

Fully registered Ltd company, with a business advisor / accountant that takes care of all my paperwork.

garysumpter

Well it looks like the car is being collected today / tomorrow.

Feeling really low right now.

However I am glad the car is going in a way as its a few grand off my total owing.

Just trying to keep my chin up as much as possible and work at the debts.

Hope to have the CCCS information through tomorrow.

Gary

In_Search_Of_Me

I know this is a really hard time for you but have to say that you really need to have a think about the way you are responding to posts....People are trying to help you and more often than not you seem to throw it bak at them. That is your choice obviously but at the end of the day people are taking the time to post, it is not their fault that you are in this situation and we also understnd how it feels. It does take time for CCCS to sort stuff so you need to give them time. Meanwhile use the time to try & find more work to boost your income. You can do this but please try to be nice to people who are trying to help you!

Bestthingsinlifearefree

garysumpter wrote: »

I work every hour under the sun.

.

If you work every hour under the sun but earn about £500 - £1000 pcm. Does that not tell you something about the business?

You are either not charging your customers enough or not working effectively or the business is not viable etc etc.

Why not get a permanent job and keep your business as a side line?

Basically it is not paying it's way and you need to be realistic about this.

Many self employed people are in denial. If it has not made you any money over the last 12 months time to get a permanent job / regular wage.

Clear the debt, get reestablished,then look at the self employed route again.

I wish you well. Stay as positive as you can.

Best,

garysumpter

Thanks Guys.

Well the business IS good, just that I have to pay so much out and I have reinvested so much back onto the business, that it has taken time.

I am sure that I am at the top of the hill I have been climbing and things will look up very soon

Thanks again.

Gary