Elantan's enjoying her excellent adventure

Karmacat

Absolutely - cheerleading is all very well, but real plans need a bit of private time.... hope it goes well.

elantan

well i'm reading ehallerts challenge ...that woman is amazing i think i fancy this one ...hubby has got an appointment for his back to see a specialist finally ...

boredofbeingathome

Hi El, am back after hols, thanks for the texts..sounds like you have been a busy bee..hope you have made a decision on the course! Congrats to your son and what is this i hear about a plan???

peb

Hiya checked in to see how your son had got on.

Now am intrigued by the plan.....

jpca

Hello
I am new to this and wondered if anyone could give any advice. I have a small business loan, personal loan and credit card with HSBC. I also had another loan and credit card with other creditors. All was well until my small business failed and I am left with not enough income to cover my current monthly payments. I owe HSBC £35,000 and they have offered me a managed loan. My current payments to HSBC are £400 for pers loan and £420 for business loan plus £180 to ccard (although only minimum payment) so total montly payment (before running into problems) was £1100. If I had managed to keep up these payments, my personal loan would be finished in under 2 years and my business loan in 3. Instead, HSBC have now offered me a managed loan, at a much higher interest rate (nearly 19%) and I will have to pay £650 per month for the next 12 years!
I have the paperwork here in front of me and am despairing. Surely this can't be right? I am thinking of going bankrupt but am so worried as supposed to be emigrating to Australia with my whole extended family early next year and think bankruptcy will mean I won't be able to go as planned. Any help or advice greatly appreciated.

Many thanks.

itsarichmansworld

JPCA

You would be best posting your own thread Hun you'll get a lot more answers...

I'm not sure what the best advice for you is but I can say if you are emigrating OZ wont let you with a bankruptcy still active.

Hey El !

Thanks for your texts back today £500 ! I couldnt believe it I have the Home insurance lawyers getting in touch I naively thought I could do this without them but with all the stress I dont think I can felt myself going down the other day and feeling the tears loading last night talking to my friends about it.

Might have to go back and see the Good Doctor.

Hows the plan!

elantan

rich deff get the lawyer involved now you really dont need any more stress you have had enough to deal with ...when you sent the text with the amount i nearly choked on my chocolate milk shake and spat it over a kid lol ....

peb son hasnt heard anything back from uni yet i have told him to give them till wed then to phone them i hope he listened but wont be surprised if he didnt

bob your back ...i got the post card it got me totally excited to tell you the truth ..i have it pinned up on my fridge and showing everyone that comes in this is where i will be in a few years time after walking there from john o groats ...it makes it more real doesnt it ...how tempted were you to go hire a back pak and get your photo taken i know i wouldve been

well the plan is going well i have gotten in touch with some one who can really help me (thanks to hypno) i have a meeting on thursday so after then i hope to reveal all ...it honestly isnt that exciting well it is for me but i'm sure not for anyone else

boredofbeingathome

I have a back pack and am waiting..i very nearly had my piccie taken, but refused extortionate fees until we are there for real..must be the MSE in me..we can all chip in and pay the £6 together, although reckon it will be about £10 by then:rotfl: :rotfl:

Had a bit of an epiphane as well..have you thought about the odd pair of crocs? sounds daft but i did a lot of walking in them on hols and reckon they will be good for flat roads and blisters..like walking on air ..v. comfortable:T

elantan

i am wearing them at the moment lol ...rarely are they off my feet... when i started with the hillwalking club they said to bing a pair of comfortable shoes for when we are done so i took my crocs ...when it came time to change i noticed everyone (with no exception) had put on crocs so i reckoned i mustve been in with a good crowd..your not seriously telling me they charge to get your photo taken at that post ...!!!!!! is that all about ...

boredofbeingathome

Aye they put a piccie up and change the sign post to where you come from if you want..it used to be free but not since it was taken over. Noone was there doing the walk when i went down by the way..and the fireworks were off due to bad weather..spoilsports..
Crocs are brill i am sat in mine too.