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Posts posted by Robertxc

  1. ...a mouse?


    I set a mousetrap earlier in my garage. I even put some nice cheese on it. I just went to check it. Mr Mouse is caught in the trap by his tail. He's eating the cheese. He obviously can't run away, or he would have legged it when I appeared. I don't want to just let him go, because he's injured, and besides, well, he's a mouse, and i didn't set a deadly mousetrap for nothing...


    So, what's the best way to send him on his way without causing him any more grief than necessary, and without grossing me out in the process?

  2. As my log-in name suggests, I am desperate.

    Just came across your excellent forum, so am hoping for some expert advice.

    My circumstances are........

    Divorced living on my own.

    Own my own home on mortgage with about £350k equity. Not in arrears on mortgage.

    Up to my overdraft limit.

    Up to my credit card limit.

    Business debts of about £100k with six on CCJs, which I am paying off at an agreed amount each month.

    Now the killer.....

    Just received a statutory demand from The Inland Revenue for £25k, which I can not pay.

    They have listened to my pleadings and have given me until the end of January to come up with the cash or face a Bankruptcy hearing.

    I have approached a brker for a loan, but this has been refused due to my CCJs.

    Is there any alternative to me selling or losing my home, or has anyone got any better advice.

    By the way, my business is a good successful one which usually turns over a good yield each month, however the past two months have been bad.

    I am confident that this is just a temporary glitch, as I have been in business for 20 years and seen bad cashflow come and go.

    Help me to get out of this situation, if you can.

    Many thanks.

    £25k is a lot, and you can expect HMRC to follow through on their threat to bankrupt you. You could try re-mortgaging to release some equity, but that will be very expensive. I think that with the amount of equity you have you would definitely be able to do it, but the rate would be horrendous.


    It may be that losing your home is going to become inevitable - whether you sell it or someone takes it off you. If I were in your shoes I would sieze control of the situation by selling up, paying everyone off and moving on. :(

  3. Hey - I get back to Glasgow on 7th, so a meet the following day would be ideal (jet lag permitting). It does get very busy in there of an evening, so be prepared for avenue switch if it's busting at the seams....!
    Indeed it does. We'll need to figure out some sort of mobile numbr swap so that everyone knows where we are. :)
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