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Word-Soup

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  1. DWP were very good with me when my husband died. Just contact them directly, no offence Martin but it is a different ball game entirely when you lose your husband through bereavement.
  2. Thank you Chainey. It's been tough. I decided to go bankrupt last year. Finally. I have just been discharged as of 20th March 2016, a good feeling. All my kids are grown up now and okay, that means more to me than anything. My youngest has a few health problems, but will be okay, learning to live with it. As for me, ah... marriages, divorce, widowed, homelessness, you name it it's happened. I had a breakdown working for a bank which left me in debt, it was tough as I was bringing up my children on my own, but hey ho... people matter, stuff doesn't. Still single, happy bumblin
  3. [quote name= Word-Soup you really are a star [/quote] Oh hun, my life has crashed and burnt that many times. The last thing I expected was to be widowed weeks after my youngest son's 4th birthday. He's 22 today in fact, wow. Back then my 2nd hubby took his own life, he was only 37 years old. It was such a tough time. Make a list, be kind to yourself, don't overdo it. Do what you can, leave what you can't. Get a standard straight forward letter typed, printed, photocopied if you like with the address blank so it can be written in, change the address for each one and send it o
  4. I agree, but from my experience... even debts that are joint can be queried. I did just that and got a hugs (huge not hugs, flipping auto correct) BT bill wiped, to give just one example. It was around £400. BT took it that the debt died with him. It did take a while, it certainly was not instant and it does take nerve to sit it out. Every one of our debts, joint and just in his name were wiped clear when he died.
  5. Hello, How very sad, deepest condolences to all the family. Tell them to stay strong, I know that is tough, but it is the only way through. My advice, for what it is worth is based on personal experience. My second husband took his own life leaving me with lots of debt, a house, mortgage, 5 children. That was nearly 18 years ago. I had so many debt collectors chasing me, from BT for a huge phone bill he'd clocked up, and more. I was in a bad way for a while, and had absolutely no family support. So, I got a book and started to make lists. I figured if I managed to do just one th
  6. Thank you Oleg. I am working towards going bankrupt as I can't stand the hassle of all this any longer. I do have someone looking for Charitable Funds to help with the BR costs, I know one offer has come in, just waiting to see if we can get the rest of it together. To be honest, going BR will be a huge weight off my shoulders. My son has been seriously ill, though now on the road to improvement, and everything has just taken its toll on me. I am self-employed and just can't focus on my work at all, and haven't been able to for a long while. Need a clean slate. I t
  7. ADVICE PLEASE Today two letters arrived one from NatWest, the other from Lloyds Banks. Lloyds Bank are asking for a GP to confirm that I am on anti-depressants and ask what exactly is the nature of my illness. NatWest Bank's letter states that as they have been unable to come to a suitable arrangement with me they have passed my account details to Wescot Credit Services Ltd to act as a collection agent and they will now be dealing with my account. So, what do you lovely people advise I do? I am seriously considering going BR, but in the meantime what do I do? My t
  8. Aw, thank you. They have done enough damage to so many people; our banks etc. We have to fight back. The documentary film on BBC called Bitter Lake, highlights that BANKS worldwide have had far too much power over people for far too long, and they are still trying it! They won't get anything more out of me. I confess the naughty side of me desperately wants to stick a pin in my finger and put some blood on the page of my next letter to them. Probably not wise though.... lol
  9. Here is another Charity link that may be able to help with BR fees. http://www.elizabethfinncare.org.uk/get_support/elizabeth-finn-grants/who-can-apply/
  10. Hi there, I am not quite in the same position as you, but I have decided after struggling for so long to go for bankruptcy. My debts total £18-£20k, StepChange have been a great help, as has everyone on this forum. Like you, I struggle with the thought of going BR. I always wanted to pay off all the debts, but the reality is I can't. Slowly, I have faced that. I have been paying £1 to each of my creditors for the last year or so. It keeps them at bay. I was advised to BR, early last year, but didn't want to, still fighting it. Anyway, my thought is, why
  11. Thank you Oleg, all is in hand. I did post my debts on here some time ago, it will be still in the threads somewhere under my name. They total around £18 - £19k at the moment. I'm happy giving them £1 each every month to keep them off my back for the moment. I have support, and SSAFA (as my hubby was in the forces before his death) is currently looking to raise the bankruptcy fee for me from Charitable sources. Will keep you all posted on how it turns out. Thank you for your support. Fabulous forum and you have all been so helpful.
  12. Hi Les, Please keep going, nothing is worse than worry over debts. I know from first hand experience. I have had wonderful support on here, and from StepChange who have been a lifeline and as long as you are honest with them they will be very caring and considerate when they speak with you. When I first got into trouble I stopped all the Direct Debits from my bank account for all regular payments, things like insurances, etc., but also Council Tax, Water Rates, and other utility bills. I find it easier to go online and pay them when I KNOW I have the money in my bank acco
  13. In regard to HP debts. Don't make the mistake I made. I bought a caravan on HP and sold it - I had paid half the debt off, and could have let them take the caravan back because of this, which would have cleared the debt. However, I ended up paying off the rest of the HP loan because I had sold it, and had to make up the shortfall. Lesson learnt. ho hum...
  14. It's okay Oleg, I am now considering bankruptcy seriously though. I have had to be strong, and that strength is unstoppable. If I go bankrupt the banks will get nothing, as I have nothing they can take. I rent my home from a Housing Association and have nothing of value. Onward and upwards I say, and as a good mate once told me: 'Don't let the buggers get you down'.
  15. Oleg - I was told by StepChange that Lloyds Bank wrote the other woman's debt off after her visit! So who knows. I just thought it was worth a try, but only if someone is game enough and genuinely NOT really about to do it. I have first hand experience of suicide as my hubby took his own life in 1998 at the age of 37 and left me to bring up 4 children aged between 4 and 12 all on my own! SUICIDE IS DEFINITELY NOT THE WAY OUT OF DEBT, from one who knows the mess it leaves behind all too well.
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