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I will get sorted in time im sure,

 

That you will. For sure.

 

From what i see, you have no need to rush. Times they are a changing.

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.

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Tilly babe

 

If you have thought about IVA heres how to figure out how mush they would want a month

 

Take debt say £100k

 

divide by 4 = £25

 

add 6k costs = £32

 

divide by 60 months = £ 533

 

if however you got as mush money as me you vsn either pay them a pound till they die or go crupted :)

 

good luck :)

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I wonder if this might be a suitable alternative to bankruptcy for you Tilly. Depends on the amount of the shortfall and your income I guess. National Debtline England & Wales | Debt Advice | Factsheet 37 Debt Relief Orders

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro had a looksi, the debt or debts have to be under £15.000 mines a liccle bit more :rolleyes:

 

 

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I thought that may be the case. Back to the drawing board then.:p

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I thought that may be the case. Back to the drawing board then.:p

 

 

:lol::lol::lol:

 

 

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  • 2 weeks later...

Tilly not making light of it and i know you are a good sport- believe your shortfall was a beuty as was mine-debt relief orders -mmm 15k would take a lifetime to get down to that level.So until sugar daddy with yacht toodles along maybe take a chance on euromillions tonight-believe it is 100 million plus.Worth a try and who knows you could be sailing off into sunset on your own yacht.Naturally you would want some crew and i would volunteer-and maybe a few others would -no doubt a few will let you know.Please exscuse me if this post has bugged you but nothing wrong with being a dreamer in these difficult times.Allways enjoy your posts keep your spirit up-Tawnyowl.

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Tawny your post didn't bug me, it made me chuckle :p but your right it would take a lifetime :eek: missed the euromillions :confused: i finks i missed the boat on the sugar daddy front pmsl :D more like a rubber dinghy :p take care.

 

 

 

Tilly

 

 

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  • 1 month later...

Okay peeps decision made, for now im putting bankruptsy on hold, im making the most enjoying the stress free factor at mo, maybe sometime in the future you may see this thread pop up again, but if not thankyou to everyone that has posted here :)

 

 

 

 

Tilly x

 

 

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Glad to hear you are chilling out-got a feeling your thread will keep popping up from time to time,youve got so many friends looking out for you.Bankruptcy can wait for now-enjoy the summer.Tawnyowl.A tune for you i feel.Bye for now.

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Thanks for dropping bye Tawny:) and thankooo for the choon :D yep maybe this thread pop up again out of the blue we will see, and thankyou for being a good friend:)

 

 

 

 

Tilly x

 

 

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Unfortunately, the past will probably rear its ugly head at some stage. The Mortgage co are likely to try and recover their losses. It might be 1 year from now, it might be 5, who knows.

All i can advise at this stage is that you get on with your life as best you can, and live for today.

 

Money is nothing without the love of your family and friends.

 

Who knows what tomorrow will bring.

Deal with it when you have to. In the meantime, enjoy.

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Couldn't agree more DG.;)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes,the shortfall-12 years to chase.Mine was slipped into my credit report without telling me the house had been sold or what price obtained.Remember some people may be in new houses,new relationships,imagine that landing on the mat in several years time.Could cause upset and a few arguments.If anyone wants a credit report,pm me and i will give you a link to a report site that doesnt need credit card details or anything like that.If its allowed i will post it onsite.I am allready reading about things like that happening.Some may think they wont find you-mmm they have special teams.Its a lot of potencial income for them.Bye for now Tawnyowl.

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Hiya DG and Tawny

 

Yep i know eventually they will catch up with me and bite me on the ass wanting there last six penneth of blood :mad:

 

I am doing exactley as you said DG living for today and enjoying being back to normal :rolleyes:

as i said before i may have no choice to go BR but again will deal with that if and when it happens.

 

The same as you Tawny was never told house had been sold, i only found out because i went into estate agents.

 

and yep deffo family and good friends are way up there on the top of my list :)

 

 

cheers guys

 

Tilly xx

 

 

 

 

 

 

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HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

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Hiya Tills:) glad to hear you're enjoying life these days - stay positive hun

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Hiya Tills:) glad to hear you're enjoying life these days -

Thanks Ell :)

 

stay positive hun

 

Yep all the negatives are gone :wink::)

 

 

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  • 4 weeks later...

Here we go then, recieved letter from mtge co wanting their pound of flesh, so the fun begins.Decisions to be made:confused:

 

 

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What are they asking for Tilly?

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

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Hiya UK

 

They are asking for the shortfall of £65,578.00 :( already gone up by £2000.00

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Hi Tills, remember you are entitled to see documentary evidence that they have marketed and sold your property with your best interests in mind.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hi tilly,

 

i wish you the very best of luck with this keep us posted.

 

out of cash

 

Hi OOC

 

Thankyou,

 

Will keep you all updated, when i have got my head a round it :confused: lol

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Hi Tills, remember you are entitled to see documentary evidence that they have marketed and sold your property with your best interests in mind.

 

Hi Ell

 

Spent all afternoon going through all paperwork till im bug eyed :eek:

Have all the valuations i had done,which started of at £185.00 till they got

their hands on it and dropped to £123,000 :mad:.

 

I still could be forced to go BR, as far as i know ex has recieved no letter, for all i

know he has already gone BR, so like i said a lot of thought and decisions to be made.

To be honest my head all over the shop at mo:confused:

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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