[:)]
Thanks Melanie,
Sproglette is leaving school as soon as she can , summer 2009, she hates school , always has, shes a school refuser and I have a constant battle with the Ed Auth. They are very good and helpful, most of the last year she has done it all at home .. and incidently flew thru her sats ..we are looking at doing it totally at home using a group called NotSchool which is entirely IT based.
So no chance of extending it , shes desparate to get out and start work.
Im already paying intrest only, stopped payments as of to-day, of £475 a month .
Im ok about losing the house, really, and its as well now as later.
I've no chance of saving to buy the equity in the time scale even if she did stay on, and then I'd have to find a way to raise the capital at the end of the term - I retire in 11 years.
Im just a bit pee'd off with their reference to paying costs , when Im having the house possessed because of BR, it just seems a tad unfair. If I end up going to court I will fight them on that if they play silly uggers.
On the renting front, I have found a letting agent that is ok with me being bankrupt, they just want one months deposit and one months rent in advance. They like me .. given who I work for I guess it makes me pretty stable and as well as being a letting agent they are financial advisors, do mortgages, dmp's and will help with insolvency - they are FSA registered. I guess they know the score and are recommending me to the landlord , just waiting on the references going thru.
Its a joint tenancy , a mate ( also a single dad ) and I are jointly trying to rent a 4 bed house, 2 blokes, 2 daughters, cat, dog, 2 pythons, 2 cars and 5 motorbikes between us all.. its 'cheaper' renting a 4 bed than renting a 2 bed once you split the costs .. my share of the rent will be £425 a month , council tax will be higher but again splitting costs .. The house is about 7 years old, large, new private estate with small garden and garage ... fingers are firmly crossed.
It will be weird sharing a house with a bloke , but we are both pretty laid back .. we are looking at a 5 year period, mine will be 20 by then his will be 22 , I'll also get my first pension of around £5k so will be in a better position to get a ol geezers flat.
I'll know in about 2 weeks and tenancy is due to start 7 days before Im due to go to court.
I just want to wipe the slate and have a clean start.
Slainte
Mish [8D]
Will an automatic discharge hurt.
Early Discharge is not an illness !
