Snore Grunt Snore.

Evolution takes time.

Time changes the course of evolution.

Even the councils have to listen now you good people are fighting back.

Whad i misth.

Wheres Wonathin Joss goingk.

What did I miss?

Oh you poor chap. You missed it.

It was so natural, so lifelike.

Im so upset i cant post it again. It will be Cagbotted.

Lets hope their relatives put in an appearance.

And there was me thinking you didnt like them.!!!!!

Why ?

The Muppets - Bohemian Rhapsody

So funny. Especially Animal.

- Bohemian Rhapsody - The Muppets

Emile Heskey.

Thank You.

YouTube - Stevie Nicks - Rhiannon - Soundstage 2008 - HQ part 9

Awesome.

Im afraid that if it is a rental property, the OR will take the rent and not pay the mortgage with it, it also doesent get the same protection (such as the 3 years rule) that a family home does

Thank you. Thats very interesting. A pointless objective in trying to sort out ones finances if the OR are going to be so negative.

Hi axxo

I have no knowledge of IVAs/DMPs.

Please be patient, somebody will be along to offer you some advice. That i am sure about.

The best advice i can give at this stage is, don't rush into anything you might regret later. Although bankruptcy can be very liberating for some, its not to be taken lightly.

Definitely have another look at your cards, and there enforceability. There is a whole forum on here dedicated to helping you with this subject.

Have you thought about asking Halifax to restructure the loan into a more affordable monthly payment. If they think you might go BR, they might just listen.

You are right to keep the house if it is not another financial burden to you at this stage. If you go BR in negative equity, you will almost certainly be allowed to keep the house, but any profit from renting out will be taken into consideration if you have to enter into an IPA.

To my holiday.

Forty Six Days.

Current users viewing this thread.

One Dodgy Geezer.

Can somebody point me towards specsavers.

The title reads. Happy 50th Birthday Mp

The 2nd post reads. Re: Happy 30th Birthday Mp

Happy Twentytenth or Fortytenth or whichever Birthday.

Thailand August YES.

Hi.

OK. So why do you think your creditors wont prolong your token payments until your circumstances improve. Is this just you worrying. I made token payments to one creditor for 4 years. It didnt work as i was made BR anyway.

Don't borrow anymore unless its the absolute right thing to do. Although i think £10k F+F on £35k would seem very attractive if they thought your bankruptcy was the only other alternative.

I know absolutely nothing about IVAs.So i wont comment there.

You should have no worries with your mortgage co. Mine actively encouraged me to take on lodgers. All you need to do is make sure you get landlords insurance. Its incredibly cheap compared to a buy to let mortgage. You can even get buildings only cover, and rent it unfurnished.

You say that the rent is covering your mortgage and part of your rent. Is it a good mark up.? I ask because if you are in negative equity, and thinking of bankruptcy, then it might be worth letting them repossess.

Good luck. Please take your time and do what is the right thing for you and your family.

lol this forum just goes in big circles.

LOL:)

This forum, and particularly this thread, is absolutely fascinating. And to think i nearly ruined it with my big mouth..

Im saying nothing more about Jonny Foreigner than " CIVIL REVOLT "

Watching with interest.

I was actually trying to be light hearted. Please keep posting.

Take your pick.

If you are talking about Paul Gascoigne, having met him, nothing he could do would surprise me. I swear he will end up in a loony bin.

 

As has been mentioned earlier, I have now left the Bailiff industry and in the near future, more of my colleagues will also leave as the 80K a year earnings are being reduced hugely now. The industry is finished as a money earner for Bailiffs now. The only reason why Bailiffs do the job is because they want to make money. The less money they all make, the less motivation they have to carry on doing the job.

I am happy to have left a now declining industry

my name is mud

Thank you for posting this Mud, not what i normally call you,

this makes very interesting reading.