Anyway out of this for me?

southernscouser

Need_To_Sort_It wrote: »

Oh dont be nice to me and sending me hugs, I just cry again lol

Right orange can go then, that's a whopping £105 a month, even if I just keep the kids topped up it will be a fraction of that, I think orange are doing free texts now too or something, will have to get some sims

You might find some info on the telephones board!


And see here, and here for free Orange sim cards.

Scarlett.1974

I WILL be nice and I WILL send you hugs, so there

You're doing fantastically you really are. You're taking control now and it will feel good, I promise :T

southernscouser

Need_To_Sort_It wrote: »

Oh dont be nice to me and sending me hugs, I just cry again lol

We can be horrible to you and make you cry if you prefer?

Need_To_Sort_It

southernscouser wrote: »

If you stopped paying Orange then yes you would just end up having to pay the remainder of the contracts but they would almost certainly cancel your phone lines. So effectively you'd be paying for nothing. This is why it might be better to reduce the tarrifs, or maybe reduce them then ask them to cancel your contract as a gesture of goodwill. Explain to them that you suffer from depression and you believe you have a good case for these contracts to not be enforcable due to your illness.

It all depends on whether you want a reduced package or whether you want rid of them completely following the advice from In Search of Me.

Rightio, that sounds like a good idea, if they wont cancel out of goodwill then they may as well go unless they can really reduce my tarfiif to as much as I would have to put on PAYG - prob not even £10 a month, so I will call them tomorow and see whats what.

Ballifs won't turn up at your door unless they have a court order. The only way they can obtain a court order is if you refuse to pay your debts. This is why it's important to send them a token payment of £1. If they went in front of a judge to obtain a charging order (think thats what it's called) they wouldn't stand a chance. A judge would look at your finances and see you are making an attempt to pay them back.

Thats put my mind at rest, lots have threatened me with court action and never have but I have always paid my agreed amount, so will have to pay the £1. I haven't got a chequebook, can I do it by standing order as most of them are right now? But they wont wear just a £1 will they, mind you a judge cant tell them anything more than I can tell them I suppose, I can prove how poor I am and am not making it up. The big loan of £20000 will be the sticking point, they could go for a charging order, the next biggest is £3700

With doing Orange and the creditors that's already made up for £160 of the £250 I was down, my food bill will be slashed, the kids get free dinners.

If I have to not pay water for a while then I will do that too.

If I could meet my mortgage of £513 how long would a normal lender be willing to wait for the arrears. Like I said before, I can start earning in June, ok it wont be much being newly trained but I will be able to do permitted work and earn up to £80 without penalty and be supported at work by my team. But that's 6 months away.

I dont mind living like a pauper for 6 months at all, but would a lender wear waiting that long until I can start to repay - or the CSA getting sorted of course

Need_To_Sort_It

This place is wonderful, did anyone ever tell you that.

I can barely see through my piggy eyes anymore, I'm not very good when people are 'personally' nice to me.

3 FREE orange sims on the way!!! And the kids sorting out all their old playstaion games and CDs for eBay, I've told them I need the space lol

southernscouser

I feel it's it important to just remind you that none of us are qualified financial advisors. All our opinions are just based on what we have learnt from this site so definately speak to the CCCS for their free advice. Thats not to say what we are saying is wrong but you know what I mean.

Do you have internet banking as that would be the easiest way to send them £1 otherwise yeah just set up a standing order. But let them know, probably best in writing, that this is a temporary situation while you sort yourself out. You will let them know when your situation improves.

With regards to your water just remember that it's another bill you have to catch up on. So ideally it's best to try and stay in the black.

I'm not that clued up on mortgages but the most important thing is communication. Don't ignore it hoping they won't notice. They will!

Work out what you can afford to pay them back extra a month but do not over stretch yourself. They won't want you defaulting on your payments so hopefully they will be accomodating to your situation. Perhaps think about changing your payment date to be after you get your biggest payment paid in to your account if you think it will be easier that way! :think:

spud30

Need_To_Sort_It wrote: »

This place is wonderful, did anyone ever tell you that.

I can barely see through my piggy eyes anymore, I'm not very good when people are 'personally' nice to me.

3 FREE orange sims on the way!!! And the kids sorting out all their old playstaion games and CDs for eBay, I've told them I need the space lol

You're in the wrong place then hun - we're all (well, most of us are) nice around here

Glad you've sorted the sims, I always have some here, so let me know if you need any

southernscouser

Just a thought but are your benefits based on you receiving CSA payments? :think:

If so you could be entitled to more!

Check this site out for a guide.

Also, do some searching on Quidco. It's a cashback site that can help you earn free money.

Edit: See this thread about Quidco.

Burlesque_Babe

Yes, definitely sign up to Quidco.

There are loads of bits and bobs you can sign up to where you don't need to spend any money.......there's a list somewhere.....brb

Burlesque_Babe

back.............here we go..........

Pocado £3.00 free sign up
UKdating £2.50 free sign up
National Lottery £4.00 purchase ticket
SpeedDaterOnline £0.50 free sign up
DatingDirect £5.00 sign up
HLX £0.20 newsletter sign up
STA travel £0.15 newsletter sign up
Love and Friends £1.00 free membership
Game Village £0.50 registration
Cinema Paridiso £1.00 trial sign up
2minutedraw £0.42 completing a survey
Mills & Boon £1.00 free book offer
Audible £4.00 trial sign up
Planet49 £0.35 registration
MBNA £8.50 submitted application
Computeach £5.00 course enquiry
Getmeaquiz £0.65 registering
Get me a ticket £0.65 free sign up
Synovate £3.00 free registration
KLM £0.15 newsletter
Morgans Auctions £2.00 free sign up
Microsoft Office Live 5.00 free sign up
Brochures4me 0.35 brochure request
Etribes 0.40 free account
Instantwin4now £0.56 free sign up
Fair Exchange 1.00 free registration
MyMovieStream £5.00 free trial
QXL £0.50 free sign up
Consumer Lifestyles £1.00 for each survey completed
T-mobile sim £0.50 for requesting free simcard
!!!!!! £0.05 for free registration
Compare the market £1.20/£2 for free car or van quote
Emusic £4.00 Free trial
Experian Credit £6.00 for free credit report
My Offers £1.80 for registration
Test and Vote £1.15 for free sign up
Dennis Publishing £4.00 for trial sign up
Great UK Surveys £0.67 free registration Never tracked
Opinionistic £0.20 for sign up
Kinglotto £0.85 for free sign up
Lands End £0.25 for newsletter sign up
Prevloved £0.10 for each advert placed
Just Rewards £1.80 for survey
Baileys Millions £0.42 for registering details
02 free sim £0.35 for requesting free sim
WHsmith £4.00 free dvd trial
Alliance and Leicester £50.00 for current account
Whiskas campaign £1.45 for requesting free kitty pack
Tescos.com £4.00 taking up dvd rental trial
Mobyko £1.10 free sign up - Added 15/11
Hillarys Blinds £20.00 - Added 15/11
Photobox£1.00 - Added 17/1
Voice in a crowd - Added 19/11

Kelkoo £0.10 for search
Carsource £0.04 for each search session
Shopping.com £0.10 (x3) for each search
The High street web £0.08 for each search



If you don't like lots of junk mail, set up an account just for quidco and other cashback sites.

I joined One Poll a couple of weeks back and have £10 so far. I log in each day to pick up any new polls

http://www.onepoll.co.uk/index.php