Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
How do you tell a 9 year old that Santa is as broke as us and wont be coming this year?
How do you tell a 9 year old that I have hidden my car because we are short of cash and the council want to sell it?
How can I pretend to my son that it is a good world when as soon as you get problems everyone and their dog wants their pound of flesh and charge you for it.
How do you deal with a 9 year old crying in the kitchen because he is hungry?
I was on my own with my debt problems until I found this group, I now have the confidence to tackle my enemies, I now have the knowledge to play them at their own games, I know how to beat them and I have support from you guys.
How do I tell my 9 years old son who I have vowed to protect for as long as I draw breath?
Oh pi-stoff that made me cry. How indeed. Just remember that to your 9 year old, the most important thing in the world is that he has your love and support. Kids do pick up on things and it breaks my heart when my 4 year old son asks for things and when I say not today he totally accepts it. It breaks my heart when he says "Haven't we got enough money, can I get it tomorrow or when you get paid", but then it makes me laugh when he sees the Halifax advert on the telly and says "Ooh I hate the Halifax!" Your strength is in your son and no debt collector/ bank/scumbag can take that away from you. You are getting stronger and will get through this and maybe next Christmas (when your debts have gone because of unenforceable agreements) You can get him everything he wants and some. The most important thing is you have each other and you will get through this. Chin up
How do you tell a 9 year old that Santa is as broke as us and wont be coming this year?
How do you tell a 9 year old that I have hidden my car because we are short of cash and the council want to sell it?
How can I pretend to my son that it is a good world when as soon as you get problems everyone and their dog wants their pound of flesh and charge you for it.
How do you deal with a 9 year old crying in the kitchen because he is hungry?
I was on my own with my debt problems until I found this group, I now have the confidence to tackle my enemies, I now have the knowledge to play them at their own games, I know how to beat them and I have support from you guys.
How do I tell my 9 years old son who I have vowed to protect for as long as I draw breath?
How?
Oh I know exactly what you are going through I have 3 children in between 6 & 12 and we will be having our home repossessed any time..
We are supposed to be British citizens where is the help for us??? plenty of immigrants coming in taking our jobs, houses and money with all the help they need and they send the money back to their own countrys dont even spend it in the UK.... Really sorry but it is not fair.. Our Fathers & Grandfathers fought for us to have a good life what the hell went wrong?
If I sold it to pay my debts I would have no way to earn any more money, my business has failed, I am attempting to return to my previous career as a field service engineers that requires the car for work.
Hi Pi-stoff -- just to say I'm thinking of you stay strong, think of your son and -- as they say things can only get better!!!
Now you've found this site you can start to turn things around and here's to a positive New Year for you and your son.
Good luck and best wishesxx
jaxads
Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.
Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.
GE Money - Received settlement of £441, being total charges requested. No interest though.
CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!
EOS Solutions "ceased action on account" on behalf of a friend.
All in all, quite busy at the moment and enjoying every minute of it
He doesn't want a lot, he doesn't ask for anything because he knows were struggling, he just wants something from Santa so he can come in and open them on my bed Christmas morning.
He has relatives who don't see him much and they will get him lots of stuff, I just want to keep the Santa bit alive for as long as I can.
I will make sure he gets something if its the last thing I do.
As is clear from this thread, children are so understanding, it would probably be more upsetting for me if he doesn't have some nice things.
You could have a look at your local Freecycle website. There may be something on there.
I don't really know what else to say except that I really do wish you & your son all the very best.
"Some of the biggest men in the United States, in the field of commerce and manufacturing, are afraid of something.
They know that there is a power somewhere so organised, so subtle, so watchful, so interlocked, so complete, so pervasive, that they had better not speak above their breath when they speak in condemnation of it."
Woodrow Wilson, President of the United States.
Change the US for the U K... do you think he meant CAG?!
hey i just read your post and yes it really does come home to you about the struggles we face, but like others have said, spending time with your son with the love and compassion you have will get you all through this period of madness
it must be very hard at that age too, and bless them they just look so forward to the excitement of the day
pls keep positive and i do hope with our help here and now you have found this forum, things will start to improve for you and that 2009 will be the year that things improve greatly
i was going to suggest your freecyle site, amazing what you can pick up, but also have a look in the free paper, sometimes you may just drop lucky
good luck in all you do and above all, keep your spirits high
Maybe there is an idea here - but I dont know quite how it would work -
If any of us who have older children have toys /games or DVD etc languishing in cuboards - some not even used
Perhaps you could set up a kind of freecycle thread with the items and donate them - but in return the person could just send you enough to cover P&P if it was a large heavy item?
But I dont know how you would cover the giving out of addresses etc?
Just a thought .
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
[IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
Does your son have a pc ? as my son has lots of computer games he does not use still in boxes etc
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
[IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
i had wondered surely such a great group like us could get past the data protection rules,,,ie address info and the safety aspet for us all
it could be such a nice thing to do for others - but how could we do it in practice only by putting stuff on ebay and then letting people here know the items and just pay say an amount plus packing , dont know too much about ebay rules and regs,
that way its kind of annonymous re addresses, and payment for the packing would be easier
these are just my ramblings, but im for it to pass on some of stuff my daughter has to caggers and their kids,
I had a couple of v-poor chrimbos when younger, and remember them very clearly (theyre the one you remember - unfortunately!!!) . . especially look on parents faces when they were trying to be enthusiastic about what they got me . . .
I'm really not happy about your situation at all . . i have a nearly new dvd player in cupboard - not touched it in long time (- its yours if like
I know its not a very 9 yr old thing, but biggest pain for 9 yr old is when asked at school what got and die inside with embarrasment when have to answer!!! . . ''and i got dvd player'' is big (save face) - cant mock that !
I absolutely 'insist' you have it . . .
Would have to post though (i'll cover postage), im in cambridgeshire, and drive is too far for my pocket . . does anyone know how i could get this to pi-stoff if they dont want to trust with address (which i would understand fully )?
what about if we can address to the post office, dont they say offer a collection point???
only other thing i personally can think of if anyone has personal friends in TNT transport in the bristol area, Not my area as hubby works for them, i was thinking just address it to that person at that depot/office and then pistoff could collect with just a name, therefore no address details needed
just me rambling again sorry, if that aint going to work out
ah thats a good idea,,,what about friends of pistoffs who are in the bristol area who owns say a pub or hotel, or a business, that could work out couldnt it??
Pi-Stoff
I am willing to send you £50 voucher for Argos. It will buy your son a 4ft footy table or air hockey table as they are half price at the moment. Please send me a PM asap.
Christmas is ALL about the kids and as a mum of 7 kids I understand.
xxx
How do you tell a 9 year old?
) You can get him everything he wants and some. The most important thing is you have each other and you will get through this. Chin up
Originally Posted by Pi-stoff
