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.
I know that I'm a new poster and havent been on here that long but I feel so isolated with everything and dread the post as everyday there is another demand.
I have had the gas/elec threaten to cut us off because we could not pay. I'm sick of living hand to mouth and not having any money for stuff for the kids.
We sat down to write their letters to santa last night and I had to leave the room as everything they have asked for I cannot afford. My youngest is 1 and I have managed to get some bits from charity shops and boot sales but I cant do that with the others as they know.
I'm sorry to moan and know that there are people much worse than me but it just feels like the past few years we have let the kids down. Last year we were evicted out of our house and had nothing for the kids, was hoping that this year was going to be different but it doesnt look like it .
I have just put some wanted posts on freecycle for some clothes for the kids as they have all grown out of their winter stuff. Oh how i wish that things would change! I look at them and it breaks my heart that I cant give them what they want just once
Again sorry for the moan I just need to put my feeling down and this is the only place I feel I can.
Hi Vikki,
Sometimes it just helps to express your feelings in writing, and maybe it puts things back into perspective a little.
I have been in a very similar situation to you, quite a while ago, and I remember the way it made me feel, we even had the electricity cut off for a short time, that really felt like the end of the world, but of course it wasn't.
Advertising on Freecycle sounds like a good idea, hopefully you will get a good response. What ages are your children?, it's possible someone on CAG has some possibly unworn, or no longer fits, clothes that need another home.
I assume that you have put any particular debt concerns on the forum, as the advice given is invaluable and may help you in turning your life around.
Try to remain positive
Dibs x
Yes I have claimed all the charges back where I can and have CCA's who I can. It just seems like everyone wants so much more than I have. I had to set up the fuel direct to take money for the gas and elec from my benefits and they are taking £70 every 2 weeks which is a killer as I only get £120 every 2 weeks due to paying off a social loan.
My kids are only just starting to really get into christmas and although they haven't asked for things costing £100s they still want brand things like thomas and Barbie, which mount up when you have 4 kids to buy for.
I have 2 girls age 5 and 6 and two boys age 3 and 14m. Thank you for your support I have not had any responce off freecycle yet but fingers crossed.
I had to borrow money off my Mum today so that I could post a letter to a DCA via special delivery . She had a big op last week and is upset that she is not going to be able to get the kids anything for xmas as her going into hospital has made her loose her job. Sometimes I just wish that i wasnt here
Vikki, hang in there. There is a lot of people who can help and I will come back with some ideas hopefully on the presents front. A lot of shops are cutting prices fast and there are online retailers offering deals as well. Keep the chin up. You will be fine.
I'm sorry to moan and know that there are people much worse than me but it just feels like the past few years we have let the kids down.
I understand what you are saying but you are there for your kids and you love them and i'm sure there's always a cuddle waiting for them when they want/need one....this is what they'll remember throughout their lives, so you have not let them down. That said I know how guilty it can make you feel when you can't get your little ones the things they want for xmas and birthdays
Originally Posted by vikki75
Yes I have claimed all the charges back where I can and have CCA's who I can. It just seems like everyone wants so much more than I have. I had to set up the fuel direct to take money for the gas and elec from my benefits and they are taking £70 every 2 weeks which is a killer as I only get £120 every 2 weeks due to paying off a social loan.
Could you possibly write to the social and tell them you are struggling to manage after they take off the social loan payment amounts, as your outgoings have increased and would it be possible to reduce the amount they are taking for your payments and just pay it back over a longer period?
Without giving too much away what area do you live...i'm Northamptonshire is that anywhere near you? If so I may be able to help
Now you have found this site things will get better, there's always someone here for help and advice
Thank you all for your kind words and thoughts. The most important thing in the world is my kids and almost loosing my youngest girl just before xmas last year really made me realise that. It just really gets me down that I cant give the kids what they ask for.
They are so understanding and it breaks my heart when my 3yr old asks if he can have something and my 6yr old tells him that we dont have that money as that is a weeks worth of food .
I have written to the social and been to CAB but that is the lowest that they will take for paying everything back. At least by next year they will be paid off.
A lot of shops are cutting prices fast and there are online retailers offering deals as well. Keep the chin up. You will be fine.[/quote]
I have been looking at these but as I dont have a debit/credit card I'm not able to take advantage of them I only have a basic bank account so can only get money out of the bank.
Then, keep your eye out for christmas week even up to December 24th when they will cut prices even more. You can pick up some bargains especially this christmas.
Its my daughters birthday straight after christmas so I usually get what I can in the sales on boxing day. I agree there are some great offers in the shops, its just having the money there and then to get them as usually once all the bills are paid and shopping is done I have about £10 left and some weeks not even that.
I am still crying after reading your post as many years ago I was in the same position and saw no way out. Thankfully with the support of others I did. I have found a link to an organisation that may help you. Please have a look and see what you think, unfortunately the grants they give have been suspended until January, however if you apply then at least you may be considered for winter clothes for the kids. Will think of you always, you're a star, take care, and look after yourself.
I have a big unit full of Barbies and their clothes, my 3 grandaughters never play with them now, They have worked their way from their house to mine which usually happens with toys they are growing out of. I would be GRATEFULL if you would accept some of them from me. PM me with an address I can send them to and they are yours. regards Hilary
I will do thank you. Its nice to know that i'm not going through this alone. I have jsut emailed that charity to see about getting a grant for some clothes for the kids. Fingers crossed. xx
Thats the spirit, you are definately not alone. Fingers crossed for you, sometimes when you feel so low it's hard to look for a way out, thats why coming on here is so helpful. Others with a clear mind, , can help you look.
TC
xxxx
Regards
LilyLou
If I have been helpful please tip my scales
Any advice/comments I give are based solely on personal experience, if in doubt please consult an expert.
I really cant tell you how much this site has helped me deal with things that I would not have had a clue about trying to do alone. Once i'm in a better financial position I will be donating as I really cant thank the people on this forum enough.
Not sure I can take anymore :(
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Originally Posted by vikki75
, can help you look.