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'm a young (only 22) mother and wife. We lost our home to repossession last year and had to move into our mother in laws home. We are now responsible for my brother in law too, as mother in law seems to have given up all hope on him.
My husband is not working as he can't find anything, and it suits us that he is at home to look after our 2 year old daughter. He also does not qualify for benefits as my student loan is apparently enough for all of us (don't make me laugh.)
I am a full time student, and I am currently doing a lot of (necessary to complete my course) work experience, this combined with being a mum is extremely tiring, and thus I can't really do any work until the summer holidays.
My brother in law has just turned 18 and goes to college full time and does a bit of work afterwards. The money he earns he spends on food and gives us a little board. We can't really afford to keep looking after him like we do, but can't afford to move out either (vicious circle).
My daughter is beautiful and happy, but has recently had a growth spurt, and I can barely make ends meet as it is. It's hard to clothe her, she sometimes walks around the house crying for 'num nums'. She is by no means underfed but things are really starting to get bad for us.
I'm starting to feel so useless. I feel like I'm failing my family in every way. Our bills aren't getting paid, we daren't answer the door and our phone has been cut off now. I genuinely feel that things would just be better for everyone if I left them all or even better 'had an accident' so that the Life Insurance could cover the bills.... I'm feeling so depressed it's unreal and am sick of being such a failure.
Milly, do not give up as you never know what is around the corner and what the next day will bring anyways your beutifull daughter and all your family needs you to be their in good health and caring for her.
I know this is easier said than done but do not let money rule your life, once you have achieved your studies and moved forward your standard of living will certainly increase. It is worth going to the citizens advise burough for futher financial advise etc. Please stick around this forum and listen to advise given. Remember to our children we are never failures we are their parents and they give us unconditional love.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
Your thread breaks my heart, and is a genuine reflection on the state this " Wonderful country " is in.
You are not a failure, far from it. Just another statistic in a world that doesn't care.
Please dispel those thoughts of having an accident, the insurance wont pay anyway. They know all about " Accidents ".
I lost my 11 year old 5 years ago. It happened so fast that we barely had time to say goodbye. Not a day goes by that i dont feel i failed her.
I hope things work out soon for you and your family.
In the meantime the greatest gift that you can give your daughter is your love.
God bless.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
I feel for you, I really do! I hit rock bottom a while back and I was considering the worst outs possible, believe me its not worth it. Today I will not look back on those dark days other than a reminder of never going back to it.
You have no idea how strong you really are! Dig deep and you will find the strength to carry on. You have it in you...
I know where you are. Our home was repossessed last year, and we and our 5 kids were moved into a B & B.
It was actually the best thing that happened to us.
Until then we'd had nothing, we couldnt buy any extra food, and our kids were literally existing on pasta dishes. I even sent them to school with holey school jumpers and shoes. They were bullied and I felt like a sub human specimen when people looked at me.
Days out were not possible, and my kids were superfit from the enforced diet lol.
But I asked them recently, reflecting back and they all say what they recall most is the feeling of fear of 'not knowing'. They now have a little more than they did then, but apparently miss the trips to the park and lake to feed the ducks etc, the 'free' things.
All this happened to us last May, I was incredibly bitter, and angry and felt like it would never end. And in some ways it's still ongoing now.
However, in Dec our youngest was diagnosed with Meningitis. Fortunately she has recovered with no apparent ill effects. And it put things into a different light for us. I would lose 5 houses, than ever suffer that 48 hours again.
It doesnt diminish your stress levels, and of course everything is relative to ourselves, but I promise you that you will pull out of this and you are a strong person in your own right!
I wish you all the best, and feel free to PM me for a chat if you ever want to.
Milly, you stay strong, give all your love to that beautiful little girl, you can't put a price on that. I'm in all sorts of trouble, endless loans (secured and unsecured), juggling so many balls I've lost count, but we have to keep going, I have a grown-up daughter and a grandson, they are my heartbeat and need our love more than any money in the world. Thinking of you and sending strength
Millystar - Was feeling exactly the same as you a few months ago.
I'm not an expert but are you sure that you are not entitled to any other benefits? Have you claimed for child tax credit? If you are earning, you should be entitled to working tax credits.
I suggest you log on to: www.direct.gov.uk/en/MoneyTaxAndBenefits/index.htm and complete the form or call them to find out what you can claim. It won't solve all your problems, but every little helps.
Have you looking into housing benefit, surely if you are living in someone else's home you are paying some rent. Speak with you local authority. Remember that your home was repossed, the local authority would have to had assisted you in some way (especially, as you have a child) if you had not had somewhere to go (your mother-in-law).
Don't give up, you may feel that your in a dark place now, but things will get better.
You have found this site and there is lot of advise and support for you regarding your debts.
Keep your chin up, your daughter needs you to be strong.
The very fact you are here tells me you are not failing your family, you are going though a very rough time and you are looking to make things better.
So, for a start, we'll have a change of title to one more appropriate to you standing up for your family.
You have been given some great links on this thread, please do use them.
A lot of us on this site have felt the same way you do now. It takes time, but it does get better. You have your whole life in front of you with your lovely daughter and the support of your husband. Do Not Worry about knocks on the door, they can't take what you don't have, they can't lock you up and they can't throw you out on the street.
If you are receiving any threats from DCA's etc, come back to us, we have some very good people here who can help deal with them.
Put those black ideas out of your mind, your little one wont notice what she's wearing, she will notice she doesn't have her Mummy !!
Most important, you are not alone.
Thinking of you,
Lex
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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
No matter how bad things seem-you will find people here who have been in the same place-you dont have to be alone......
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I've had some really dark times, losing my home, having absolutely no money, even selling furniture to survive. But losing a family member was worse than any of that.
We don't have much apart from each other, but that is worth more than anything else.
I'm so glad you came and posted how you are feeling- you need to have somewhere to say how desperate you are, and if we can help in anyway we will.
If you haven't been to the CAB please go. For utility bills, sometimes you can get help from trusts, there should be some additional benefits you could claim. Have you visited your student union- they can help with emergency funds sometimes.
The only thing missing from your life is money. You obviously have a strong family and you are at the heart of that. Give your little girl a hug from me. Two is a lovely and demanding age. You must be knackered.
Shout and keep us updated on how you are doing- we'll help if we can!
Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
Thames Credit -statute barred sent 13/11/08
BCW- prove debt letter- 14/08/08
Apex- CCA 14/08/08
Redcats UK- SAR 14/04/09
Call Serve- CCA 14/08/08
Littlewoods- no CCA letter 03/09/08- Lowells now
Wescot- CCA 19/9/08
Capital One/Debitas- now with Lowells
Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
Its heart rendering that somebody can be up at 04.07 posting on an open forum, but is then never seen again.
millystar
Last Activity: 9th March 2009 04:38
Lets hope they are all OK.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
Hi everyone, I'm still here.. now fighting against council tax baliffs, tv licence and an overpayment of wages, plus a joint bank account accusing us of not offering to pay them anything despite us setting up consolidation loans with them on four occasions....
I have about six hundred pounds a month going out and about two hundred coming in...
I've definately come to terms with the fact that things are getting on top of me and that I have depression...
Thanks for your kind words, I hope that one day things might go my way
star being the appropriate word reading your heartrending thread.
Hi everyone, I'm still here.. now fighting against council tax baliffs, tv licence and an overpayment of wages, plus a joint bank account accusing us of not offering to pay them anything despite us setting up consolidation loans with them on four occasions....
I have about six hundred pounds a month going out and about two hundred coming in...
I've definately come to terms with the fact that things are getting on top of me and that I have depression...
Thanks for your kind words, I hope that one day things might go my way They will be sure of it.
this is from my profile logged on CAG
Interests Family, Fishing, Fairness, Friends, Fun (Not always in that order except family always comes first)
I see you have the same thoughts family first. You are to be praised for your outstanding efforts and I am sure all CAG members will be here to offer the best advice to keep you going. I am sorry that things are so bad for you but you will prevail and undoubtedly come out stronger at the close of this difficult period. I wish you every success with your studies and I am sure you will have a happy outcome in the end.
Please try to keep posting on here or you could have a lot of folks with grey hair (me already grey)
best wishes to thee and thine
from me and mine
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
You are not alone so please stay with us. I haven't been in your situation but very close to losing everything, although that was 20 years ago.
We need to get these payments going out under more control, and get information from the accounts you have or have had in the past. There must be a pile of charges there somewhere, maybe enough to start turning things around. Have you completed an income / expenditure spreadsheet for any creditors yet?
It must be very difficult trying to study as well during this hard time. Hang in there and lets see if we can turn things around with the help of the users of this forum, and with the help of the site team. Remember, you are not failing your family in all of this. I wish you success in your quest for knowledge.
You are bound to have some nice charges you can claim back and we'd love to help you with that! In fact we are happy to help anyway we can.
Just shout if you need a chat or anything including just a moan.
Emma
Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
Thames Credit -statute barred sent 13/11/08
BCW- prove debt letter- 14/08/08
Apex- CCA 14/08/08
Redcats UK- SAR 14/04/09
Call Serve- CCA 14/08/08
Littlewoods- no CCA letter 03/09/08- Lowells now
Wescot- CCA 19/9/08
Capital One/Debitas- now with Lowells
Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
understand a little of what you must be feeling - have you seen your doc about your depression, and feeling how you are its understandable with so much you are trying to focus on
your family is what is far more important, take a look at all the sites already given and keep coming back
any help just shout out
have subbed to this thread to continue to give you moral support
take care laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
I am 'not' failing my family
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