Severe Financial Diffs

Re: Severe Financial Diffs

Saskia Quinn — Tue, 27 Jan 2009 18:18:34 GMT

Thank you Carolyn, you are absolutely right. Also, received a very pleasant phone call this evening so all being well, things could be on the up so to speak

Re: Severe Financial Diffs

Caro Laithwaite VN — Tue, 27 Jan 2009 15:34:16 GMT

Memories can never be lost, no matter what else is but it still hurts like hell.

Re: Severe Financial Diffs

Saskia Quinn — Tue, 27 Jan 2009 15:09:27 GMT

Fi, thank you, your last sentence brought a very big smile to a very sad face

Re: Severe Financial Diffs

Fiona Leathers — Tue, 27 Jan 2009 13:52:57 GMT

Paula get along to the Citizens Advice Bureau (or NI equiv) and talk to them. they will have a dedicated financial expert who can help you sort out your debt and they'll talk to companies for you. They will be able to lower payments and/or freeze interest payments. It's maybe good that the re-mortgage has been turned down cos you don't want to keep loading yourself with moer debt in the long run. Feel free to phone if you want to chat - sometimes some outside your life can be a better ear to listen.

Keep your chin up - the best things are the stuff that can't be taken away - like your boys!

Re: Severe Financial Diffs

Steph Worsley — Tue, 27 Jan 2009 07:41:07 GMT

Sorry to hear that hun

Re: Severe Financial Diffs

Saskia Quinn — Mon, 26 Jan 2009 22:19:50 GMT

RE-MORTGAGE TURNED DOWN [:'(]

Re: Severe Financial Diffs

nicky shoult — Mon, 26 Jan 2009 21:26:15 GMT

IVA is a good way of helping- although technically the same as bankruptcy but doesnt last as long. I dont know much about but a friend arranged one rather than bankruptcy and she was better off in the long run for it.

All the best xx

Re: Severe Financial Diffs

Catriona Morrison — Mon, 26 Jan 2009 17:10:10 GMT

Hi Saskia/Paula

Really sorry to hear you're having a bad time, you're always so supportive and full of encouragement for everyone else on here.

My partner has had some financial difficulties in the past and, as mentioned by another member, spoke to the CCCS who helped alot. One of the first things he did was phone all companies who required payments from him and got them to suspend any payments for a few months whilst unemployed, surprisingly most companies were happy to help and he had few months off making payments to get settled in a job before resuming them. He opened a cash-card only bank account for any wages to go into so that he had control over his finances and his existing bank couldn't 'freeze' his money as he was always in his overdraft and they'd randomly stop his account without warning. I guess the moral of his story is that there are people out there to help and it's probably easier to get help than you might imagine. Good Luck!

Re: Severe Financial Diffs

Steph Worsley — Mon, 26 Jan 2009 16:58:59 GMT

Hey Paula

really sorry to hear about your problems, all I can say is there is light at the end of the tunnel. I was in severe financial probs a few years ago when my darling ex left me homeless and in a large amount of debt, so obv had to find somewhere for me and the cats to live and sort out my debts. I approached a company and applied for an IVA which at first was declined so I spent 12 months with their sister firm on a debt management program and then re-applied for the IVA it was then accepted and I am now 18 months into it and am looking forward to 2012 when I will officially be debt free!!!

So thinking of you and having been there I know how hard it is xxx if you ever wanna chat just email or pm me!

Steph xxxxx

Re: Severe Financial Diffs

Caro Laithwaite VN — Mon, 26 Jan 2009 14:00:44 GMT

It could be worse. Dunno how but everyone always says it so it has to be true

Re: Severe Financial Diffs

Saskia Quinn — Mon, 26 Jan 2009 10:36:46 GMT

Hi Mrs Dot Dot

Yes, I know what you mean though doesnt feel like it at present but since this morning I feel things are looking up - at last! Thank you Mrs Dot Dot

Re: Severe Financial Diffs

Mrs Dot Dot — Mon, 26 Jan 2009 09:14:00 GMT

Hi SaskiaVN! Sorry you are having such a rough time at the moment...... It will all work out in the end...... probably just doesn't seem like it sometimes!

Good luck with everything X

Re: Severe Financial Diffs

Saskia Quinn — Mon, 26 Jan 2009 07:28:18 GMT

Thank you Shane

Re: Severe Financial Diffs

Shane — Mon, 26 Jan 2009 07:14:27 GMT

[quote user="SaskiaVN"]

Thank you Sandra The wheels are in motion so to speak. Its just a waiting game now.

[/quote]

Sorry to hear about all your problems Saskia. Hope things work out for you and your family. *hugs*

Re: Severe Financial Diffs

Saskia Quinn — Sun, 25 Jan 2009 23:22:13 GMT

Thank you Sandra The wheels are in motion so to speak. Its just a waiting game now.

Re: Severe Financial Diffs

Sandra Taylor RVN, MBVNA — Sun, 25 Jan 2009 23:03:59 GMT

Hi Saskia, sorry to hear that, I will be thinking of you, and I hope you get it all sorted out.

Re: Severe Financial Diffs

Saskia Quinn — Sun, 25 Jan 2009 13:18:28 GMT

Thanks guys, its a bit complicated to go into detail, but we are seeing a financial advisor at the moment. We are re-mortgaging with a new company to help hubby clear his debts from the business and hopefully be able to pay off the car finance. The aim is to have less coming out of the bank account every month. The wheels are in motion regarding the re-mortgage, its just a waiting game now and the fear of being turned doen. The frugal living thread is a fantastic one, lets keep it going, eh? I will keep you posted and many thanks to you all, you guys are so good on this forum.

Re: Severe Financial Diffs

Helen Freer — Sun, 25 Jan 2009 12:07:57 GMT

Sorry to read of your problems especially when you are so surportive of others. I cannot offer any advice, except to go to the professionals like the CAB. But I will be thinking of you.

Re: Severe Financial Diffs

Louise B — Sun, 25 Jan 2009 10:33:11 GMT

Hi Saskia VN, you poor thing. That is awful for you and your family! I don't know anything about dealing with bankruptcy - I don't think they can force you to sell your home though (unless you/your partner secured any debts directly against the property). I know quite a few of the laws, etc regarding bankruptcy status changed in recent years so I would just echo Angie's advice - speak to the professionals. Other than that I guess keep following the frugal living thread and we'll all support each other as we learn cheaper ways to live.

*Hugs +++++++++++++++++++++*

Thinking of you,

Louise xxxx

Re: Severe Financial Diffs

Vicky RVN — Sun, 25 Jan 2009 10:02:27 GMT

Sorry i don't have any suggestions but hope things work out for you x

Re: Severe Financial Diffs

Angiy Michael — Sun, 25 Jan 2009 00:15:06 GMT

Hi, Hope you are okay. If you haven't contacted these guys already do

http://www.cccs.co.uk/

They are a debt charity offer fantastic support and also mediation with creditors etc., Can also just help to be able to share the problems with someone rather than worrying about them on your own My mother used them when I was a teenager and our house was nearly reposssed due to her debt problems post divorce. Hope you are okay XX