Wot a life's thread.

blind-as-a-bat_2

All i can say is that if you where wanting to buy time then that advise would be fine But unless as Rich said something happens to increase your income drastically it will be a pointless exercise so the only question is can you see that happening in a reasonable time frame, if not then its back to plan B

Richard_S

wot_a_life wrote: »

Well,

I have spoken to the cccs who have advised me to pay my OH's ccj's and make them a priority, they told me to continue with my mortgage, get 4 forms N245, fill them out and offer them £1 a month.Did that include offering your O.H's CCJ's £1 pcm?

In the meantime, I am to offer my creditors £1 a month also, if they do not agree to my offers, then I am to wait for them to issue a ccj and follow the above process. (in the meantime sending them token payments)

I can't say I'm happy about the outcome as at the moment I have NO ccj's against me, they belong to OH and while he is merrily spending away on another cc, that will be more debt for me to sort out!!!

It's like banging my head against a brick wall, screaming and not being heared, It's bl00dy awful to say the least!

Hi Wot a life,

If what CCCS have told you is to offer all your creditors £1 pcm including your mortgage and your O.H's CCJ's then I think they're suggesting the same approach as me. You've only got limited income, and it's got to be prioritised accordingly. You'll need the cash for bankruptcy fees if that's the way you decide to go, and you've got to get that money from somewhere. Don't miss Council tax and utility payments but anything else you might as well ignore.

Unsecured creditors are not really a problem and there's no Court in the country that's going to let your house be repossessed by a bank or building society when you've got less than six months arrears, nor will any creditor holding a charging order get much sympathy in Court.

You need to keep your nerve, open that bank account in your own name, and then petition for your bankruptcy. If your O.H won't work with you, then do it yourself; and set him an example to follow.

Hopefully debt doctor will show up in the near future, and I'd be amazed if his analysis was much different to mine.

Best regards

Richard

RAS

Hi

Surely WAL could book an appointment for couple of weeks time and go Bk without all this bother?

There are twenty odd creditors, most of which are OH's and it seems unfair to put her through all that work just for a few weeks.

I recall CT going BK within days of her apointment with Christian against Poverty.

Not getting at you RS, just at the bureauocracy of it all. Oh can't spell and can't be bothered at this time. I am off.

Wot a life - big, big hugs. it will come out in the wash.

And if OH goes BK, he will not get his mitts on another CC, so that will sort things.

Richard_S

RAS wrote: »

Hi

Surely WAL could book an appointment for couple of weeks time and go Bk without all this bother?

There are twenty odd creditors, most of which are OH's and it seems unfair to put her through all that work just for a few weeks.

I recall CT going BK within days of her apointment with Christian against Poverty.

Not getting at you RS, just at the bureauocracy of it all. Oh can't spell and can't be bothered at this time. I am off.

Wot a life - big, big hugs. it will come out in the wash.

And if OH goes BK, he will not get his mitts on another CC, so that will sort things.

Hi RAS,

I agree whole heartedly, but it's never that simple when you're the one caught in the middle of something like this.

Wot a life and her O.H have got children; they've obviously worked hard as a couple to buy a place that means a lot to them; he's got health problems associated with his work, and you'd struggle really to put any more pressure on a couple's relationship.


All I'm trying to do is outline a plan that worked for us; one that I've seen work for others, and then hope that Wot a life can adapt it to suit her circumstances.

Regards

Richard

wot_a_life

Thanks all,

I'm going to get in touch with National Debtline for a 2nd opinion I think, if the advice is the same, then I will have to go with it won't I?

Yes OH was self employed and still is, which means he's not entitled to incapacity benefit because he's behind with his stamps due to being ill with suspected emphesemia for almost 5 months last year. Which in turn meant, he doesn't get any sick pay or government help if he doesn't work.

Thanks for sending that PM for me betterlatethannever

Yes Richard, the £1 a month does include OH's ccj's, I am to offer this on a form from the courts N254 and make them my priority (or his)

DelhiBelly_2

Are you sure this was CCCS's long term advice - normally you speak to the Helpline who will give you some general advice and then book an appointment for a full 1 hour counselling appointment to offer you full advice. They do sometimes offer to send a self help pack so maybe that is what's happened with you. If they haven't booked a counselling appointment then I would suggest you call them back and arrange this

betterlatethannever

Good point Delhibelly (loving that name:D )

Thats how it happened to me and the first person i spoke to gave me just basic advice, whereas at the one hour long appointment i recieved some great advice.

blind-as-a-bat_2

betterlatethannever wrote: »

Good point Delhibelly (loving that name:D )

Thats how it happened to me and the first person i spoke to gave me just basic advice, whereas at the one hour long appointment i recieved some great advice.

That did cross my mind last night but as its so long since mine i thought they might have changed things a bit....maybe not by the sounds of it.

Do i remember someone posting that the CCCS had a dedicated BR section who you can ask to speak to if you thinking of BR, if so that may be a better idea

DelhiBelly_2

There is a CCCS bankruptcy support team but they only deal with people who are already CCCS clients so WAL would still need to go through the counselling appointment first to confirm that bankruptcy is the best option

DelhiBelly_2

betterlatethannever wrote: »

Good point Delhibelly (loving that name:D )

Thats how it happened to me and the first person i spoke to gave me just basic advice, whereas at the one hour long appointment i recieved some great advice.

My uncle gave me that nickname when I was just a nipper. Unfortunately, he died very unexpectedly just after midnight on Millenium Day so it's my little way of remembering him