Please help

[Never-In-Doubt]

Re: Please help

Anyway thank you very much everyone but please no one else waste your time replying to me again as I wont see it.
I wont be back, theres a huge difference between realistic & rude.

grow up!

[jen_br]

Re: Please help

I am sorry you feel that way, and I do hope you have noted the numbers of the charity... you seem to be stuck on the fee of 600 but really there is so much more to BR then that. I would suggest you call one of the FREE charities and seek some advice... there may even be help for the fee Im not sure.

But now is the time to squirrel and maybe you need to look at the whole paying a mortgage on a house your not in.. I knwo you don't want to go back as hes an arse for sleeping around but right now the best thing may be to sell or to get back in that house and kick HIM out or charge him a rent.

lots of options for you -- talk to CAB or CCCS first. then come on back

[vicxzy]

Re: Please help

Thank you Gerry.
Niddy I am not making 'Childish digs' you said 'Im sorry if you think thats harsh' & I replied that I do think it was harsh, that's my opinion.
Anyway thank you very much everyone but please no one else waste your time replying to me again as I wont see it.
I wont be back, theres a huge difference between realistic & rude.

[vicxzy]

Re: Please help

No I have no assets apart from my house. I'm on statutory sick pay as my pregnancy has been extremely complicated, & its likely that in a few weeks ill be made redundant for the 2nd time in 2 years.
OH is on minimum wage & can only just cover our rent, council tax & utility bills, my income pays for our food & fuel for him to get to work, barely & thats it. We are not entitles to benefits as I was working last tax year.
We would never be able to find £600.

[Gerry]

Re: Please help

Thanks Niddy, All I have felt strong enough to do so far is look on the CCCS websote & fill in their debt remedy tool, I was so scared of posting on a forum too.
Could u point me in the direction of insolvency info on here by any chance? Also if im bankrupt does my house get taken away & does it mean I cant keep my bank account?

Thanks x

Hope your feeling better Vicky. I know its easier to say than do but try and slow down a wee bit, you’ve got so much to deal with your head must be spinning.

Take your time to read the advice you’ve been giving and decide what the best options are for yourself. One step at a time honey is the only way you’ll get through this mess with your sanity still intact.

Gerry x x

[Never-In-Doubt]

Re: Please help

Niddy TBH I do find this rather harsh, being pregnant its hard not to cry at extremely minor things like TV adverts never mind the thought that when your baby gets here she may not have a roof over her head!

Ok sorry you feel that way, its the truth though and horrible as it sounds you need to deal with this, not hide from it. So yea, if being harsh makes you sit up and smell the coffee then great - if you'd rather act childish and have a dig at me about sensitivity then sorry, wrong place for you.

You forget, i've seen and dealt with cases 100 times worse than what I have read here and sorry to say, pregnancy is not an excuse - from a father of two! Yes it makes you emotive, as does being in debt but you still need to try! We're all wasting our time trying to help you if you think my saying stop whining and dry your eyes and fight this, is harsh!

I am a no nonsense type of guy, you need to help yourself before we can help. Please read what i'm saying in context, I am not having a pop at you, I am trying to get you to understand how serious this is and trying to get you to listen to me when I say you need to speak to someone about this, these forums will not be best placed to help you.

The baby won't have a roof, no - you're right! UNLESS you start to sort things now so that it will have a roof over its head! Pregnancy = responsibility.

[Never-In-Doubt]

Re: Please help

also I cant find the £600 fees, my baby is due soon & I only get £124 per week which we have to live on x

Your partner, does he work? Can you sell something?

Also, read this: ---> http://www.insolvencyhelpline.co.uk/...-faqs.php#faq2

Its not that dear! If you're on IS they may waive a fee......

[vicxzy]

Re: Please help

Hi, I know what you're saying but you need to pick yourself up, unfortunately crying isn't the actions of a responsible adult and before long you'll find them taking things from you and forcing options upon you with statutory demands - basically stop feeling sorry for yourself and start to fight this.

Cry for what? Just sit there, say it as it is and deal with it. It's nothing to cry over and certainly nothing to make you hide your head in the sand all the time. Sorry if I sound a tad harsh, i'm not - far from it, but it frustrates me when people use crying as an excuse not to do things - you can do it, so go and deal with this and stop hiding from it, it will not go away.

Please, take our advice on board and sit back, de-stress and then fill in on-line help form or ring them, crying is not going to make things better.

Niddy TBH I do find this rather harsh, being pregnant its hard not to cry at extremely minor things like TV adverts never mind the thought that when your baby gets here she may not have a roof over her head!

[vicxzy]

Re: Please help

also I cant find the £600 fees, my baby is due soon & I only get £124 per week which we have to live on x

[Never-In-Doubt]

Re: Please help

I have read them, Thank you. I only ask about the bank account as it is a basic one, no overdraft facility etc so techinically is it still credit?
Im sorry for all the questions but at the minute with everything thats going on & my pregnancy hormones I know theres no point even picking up the phone as I would just sob down it & not get anywhere.
x

Hi, I know what you're saying but you need to pick yourself up, unfortunately crying isn't the actions of a responsible adult and before long you'll find them taking things from you and forcing options upon you with statutory demands - basically stop feeling sorry for yourself and start to fight this.

Cry for what? Just sit there, say it as it is and deal with it. It's nothing to cry over and certainly nothing to make you hide your head in the sand all the time. Sorry if I sound a tad harsh, i'm not - far from it, but it frustrates me when people use crying as an excuse not to do things - you can do it, so go and deal with this and stop hiding from it, it will not go away.

Please, take our advice on board and sit back, de-stress and then fill in on-line help form or ring them, crying is not going to make things better.

[jen_br]

Re: Please help

You would have to give up the CC with Natwest, chances ar you will need to open an account that has no frills and is not associated to any of the debts you own.

[vicxzy]

Re: Please help

I have read them, Thank you. I only ask about the bank account as it is a basic one, no overdraft facility etc so techinically is it still credit?
Im sorry for all the questions but at the minute with everything thats going on & my pregnancy hormones I know theres no point even picking up the phone as I would just sob down it & not get anywhere.
x

[Never-In-Doubt]

Re: Please help

Does the house get reposessed? I have opened a bank account with Natwest, but I have a credit card with them in my married name, only owe 300 on it but they dont seem to have made the link & have accepted token repayments. Could i keep the new Nat West one bank account? x

Hiya

You're not listening, sorry but you need to speak to professionals here (those two links I posted, read them then come and ask questions). No you cannot have ANY credit throughout the bankruptcy, you would need to close everything and add all debts to the B/R petition - that means EVERYTHING and then you open a basic account. You cannot have any credit whilst B/R. B/R usually last upto a year so it's not that long....

[vicxzy]

Re: Please help

Does the house get reposessed? I have opened a bank account with Natwest, but I have a credit card with them in my married name, only owe 300 on it but they dont seem to have made the link & have accepted token repayments. Could i keep the new Nat West one bank account? x

[Never-In-Doubt]

Re: Please help

Thanks Niddy, All I have felt strong enough to do so far is look on the CCCS websote & fill in their debt remedy tool, I was so scared of posting on a forum too.
Could u point me in the direction of insolvency info on here by any chance? Also if im bankrupt does my house get taken away & does it mean I cant keep my bank account?

Thanks x

Yes you lose your house (the same one you don't go into and won't ever go into again, right?). You also lose your bank account but then you simply open a basic account at a bank not within your creditors, Barclays & CoOp are the best two for bankrupts - you also get a debit card with them so it's not that bad! DD's/SO's etc all come as standard.