quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by Queen of the High Teas:
I'm sure that others here will be able to better advise you on the bailliff/bankruptcy issues, but I just wanted to add that if they do take your things, you should be able to get some sort of replacements on freecycle. There are always loads of portable TV's and stuff on there. They won't be the latest models or they could have the remote missing or something, but if you're desperate, it's better than nothing hun.
http://groups.yahoo.com/group/freecycleselby/

Thank you so so much. Seems stupid but i dont want to have to live without a tv and sound system

quote:

Originally posted by Sexy_Kelly:
Thank you tupps. I think if i were to lie at the end of the day i would still be fighting a losing battle and im sure they have experiance to tripping liers up.
Do you know if i can have the goods back after they have been taken if i make full payment?

quote:

Originally posted by Queen of the High Teas:

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by Queen of the High Teas:
I'm sure that others here will be able to better advise you on the bailliff/bankruptcy issues, but I just wanted to add that if they do take your things, you should be able to get some sort of replacements on freecycle. There are always loads of portable TV's and stuff on there. They won't be the latest models or they could have the remote missing or something, but if you're desperate, it's better than nothing hun.
http://groups.yahoo.com/group/freecycleselby/

Thank you so so much. Seems stupid but i dont want to have to live without a tv and sound system

That's not stupid, I couldn't live without mine either. Make sure you put a wanted notice on there, you'll usually get a response. If you can't find anything on there PM me. You're not too far away and I was about to put a portable TV on freecycle myself. It's not great but it would see you through if necessary. I'll keep in back for a bit, just in case.

quote:

Originally posted by Mummy Maz:
Can just take this oppertunity to applaud Tupps on her ace advice!! Always there when you need her this lass

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Thank you tupps. I think if i were to lie at the end of the day i would still be fighting a losing battle and im sure they have experiance to tripping liers up.
Do you know if i can have the goods back after they have been taken if i make full payment?

Getting into an argument about whether they gained entry is just delaying the inevitable.. and if they can prove they were then it's more grief than it is worth.
When are they coming round?

quote:

Originally posted by tupps:

quote:

Originally posted by Mummy Maz:
Can just take this oppertunity to applaud Tupps on her ace advice!! Always there when you need her this lass

I got my pretendy hat on..

quote:

Originally posted by pepsi:
Kelly I can't stress it enough!!!!

Go to CAB

They will draw up an income/expenditure plan ..IN YOUR FAVOUR ... and send it to your debtors with an amount you can repay. Once they have that they can't push for any more or contact you. SERIOUSLY ... I have a 20 grand debt that is being repayed at £1 a month because of my financial position!!!! ... 3 months later and already they have contacted me with a settlement figure of 4 grand! wiping 16 grand off! Just wish I had the 4 grand to do it

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Thank you tupps. I think if i were to lie at the end of the day i would still be fighting a losing battle and im sure they have experiance to tripping liers up.
Do you know if i can have the goods back after they have been taken if i make full payment?

Getting into an argument about whether they gained entry is just delaying the inevitable.. and if they can prove they were then it's more grief than it is worth.
When are they coming round?

I dont know. I was about to ask when the phone went dead. The call was private number so ill have to go get some credit then find there number when i get home.

quote:

Originally posted by tupps:
The most useful tool the CAB is the power of negotiation and being listened too by creditors.. much more so than if you contacted them (creditors) by yourself. It is amazing how little a creditor will be willing to accept once they get a letter from them after a full income/expenditure analysis.

quote:

Originally posted by Sexy_Kelly:
Thank you everyone for the great advice especially tupps. Calling CAB to get an appoinment as soon as Nick (my boss) leaves at 4.

I already have an attacment of earnings will this effect anything?

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
The most useful tool the CAB is the power of negotiation and being listened too by creditors.. much more so than if you contacted them (creditors) by yourself. It is amazing how little a creditor will be willing to accept once they get a letter from them after a full income/expenditure analysis.

Also do i tell CAB about my undeclared (cash in hand) income?

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
The most useful tool the CAB is the power of negotiation and being listened too by creditors.. much more so than if you contacted them (creditors) by yourself. It is amazing how little a creditor will be willing to accept once they get a letter from them after a full income/expenditure analysis.

Also do i tell CAB about my undeclared (cash in hand) income?

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Thank you everyone for the great advice especially tupps. Calling CAB to get an appoinment as soon as Nick (my boss) leaves at 4.
I already have an attacment of earnings will this effect anything?

NP. Kel without details I can't say much except generic stuff.. and I'm miles away from you so I can't just pop round and sort it out as much as I'd love to.
You need to take every little piece of info with you to the debt counsellor and they'll be able to advise you fully.
Seriously, once you do this.. and as long as the payment plans that are worked out are stuck to.. it will be a weight off your mind.

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
The most useful tool the CAB is the power of negotiation and being listened too by creditors.. much more so than if you contacted them (creditors) by yourself. It is amazing how little a creditor will be willing to accept once they get a letter from them after a full income/expenditure analysis.

Also do i tell CAB about my undeclared (cash in hand) income?

Oh bloody 'ell Kel it's a tangled web..
That's up to you..

quote:

Originally posted by tupps:
Kelly... just one quick question.. what is the company's name.. is it Rossendales?

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
The most useful tool the CAB is the power of negotiation and being listened too by creditors.. much more so than if you contacted them (creditors) by yourself. It is amazing how little a creditor will be willing to accept once they get a letter from them after a full income/expenditure analysis.

Also do i tell CAB about my undeclared (cash in hand) income?

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
Kelly... just one quick question.. what is the company's name.. is it Rossendales?

Dukes

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:
Kelly... just one quick question.. what is the company's name.. is it Rossendales?

Dukes

ah right..
I know the paperwork is a pain but the more info you have the better for the CAB.

quote:

Originally posted by Sexy_Kelly:
Can i ask why you ask? I asked the lady over the phone if it is proceedure to let people know when a list of posessions is being made. She said it was. I wasn't giving her a hard time i was just a bit stumped.

quote:

Originally posted by Gypsie:
i always thought bailiffs cant come in unless you let them in

quote:

Originally posted by Gypsie:
i always thought bailiffs cant come in unless you let them in

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Can i ask why you ask? I asked the lady over the phone if it is proceedure to let people know when a list of posessions is being made. She said it was. I wasn't giving her a hard time i was just a bit stumped.

I can only assume Kel that because you allowed them access and watched them as they poked around your stuff and listed it that they thought you knew what was going on. You would have had letters too yeah? Before they came.

quote:

Originally posted by Trollop:

quote:

Originally posted by Gypsie:
i always thought bailiffs cant come in unless you let them in

I thought you like a nice bit of forced entry

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Can i ask why you ask? I asked the lady over the phone if it is proceedure to let people know when a list of posessions is being made. She said it was. I wasn't giving her a hard time i was just a bit stumped.

I can only assume Kel that because you allowed them access and watched them as they poked around your stuff and listed it that they thought you knew what was going on. You would have had letters too yeah? Before they came.

The last letter i had was to let me know someone was due to call at my address. That was back at the end of April/start of May. Mostly they rang me/i rang them. When it comes to this kind of thing i am very nieve. I didn't realise that once they have been inside the property they can then gain access anytime they like.

quote:

Originally posted by langster:

quote:

Originally posted by Trollop:

quote:

Originally posted by Gypsie:
i always thought bailiffs cant come in unless you let them in

I thought you like a nice bit of forced entry

LMFAO!!!!!! FILTH!!!!!!!!!!!!!!!!!!!!!

On a serious note, if they do come and nick your telly, then maybe we can all have a whip-round (NOT LIKE THAT) and all put a fiver in to get you a new telly?

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by tupps:

quote:

Originally posted by Sexy_Kelly:
Can i ask why you ask? I asked the lady over the phone if it is proceedure to let people know when a list of posessions is being made. She said it was. I wasn't giving her a hard time i was just a bit stumped.

I can only assume Kel that because you allowed them access and watched them as they poked around your stuff and listed it that they thought you knew what was going on. You would have had letters too yeah? Before they came.

The last letter i had was to let me know someone was due to call at my address. That was back at the end of April/start of May. Mostly they rang me/i rang them. When it comes to this kind of thing i am very nieve. I didn't realise that once they have been inside the property they can then gain access anytime they like.

I hope you are never in this situation again.. but if you ever in your life get a letter like that again, promise me you will immediately call the CAB and lock your doors and keep your windows shut.

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by jennywren:

quote:

Originally posted by Sexy_Kelly:
i deleted my inbox without thinking.

How does one delete an inbox?

I had over 1000 messages in my inbox so i selected all instead of having to go through them one by one. Then selected delete

quote:

Originally posted by Extremely Fluffy Fluffy Thing:

quote:

Originally posted by Sexy_Kelly:

quote:

Originally posted by jennywren:

quote:

Originally posted by Sexy_Kelly:
i deleted my inbox without thinking.

How does one delete an inbox?

I had over 1000 messages in my inbox so i selected all instead of having to go through them one by one. Then selected delete

But have you deleted your 'Deleted Messages' box?
When you delete messages from your Inbox they go into a Deleted Messages box, they aren't deleted from your computer.

quote:

Originally posted by pepsi:
Kelly I can't stress it enough!!!!

Go to CAB

They will draw up an income/expenditure plan ..IN YOUR FAVOUR ... and send it to your debtors with an amount you can repay. Once they have that they can't push for any more or contact you. SERIOUSLY ... I have a 20 grand debt that is being repayed at £1 a month because of my financial position!!!! ... 3 months later and already they have contacted me with a settlement figure of 4 grand! wiping 16 grand off! Just wish I had the 4 grand to do it

quote:

Originally posted by Sexy_Kelly:
No more ignoring it till it goes away i promise.