letter from OR equity

[scaredkez]

all ready for you melanie, have the latest right in front of me, thank you very much for this
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[andymac]

Good luck Kerri, and big thanks to Melanie.

Andy

[scaredkez]

melanie i have sent 2 messages through your site, hope i sent them the right way i sent it through contact me, sent one last night and one this morning.
regards
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[MelanieGiles]

Sorry Kerri

Been tied up for a chunk of the day, will look at this tonight and e-mail you directly with my thoughts.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[sjw]

hi just wondered why you need six months deposit seems a lot . surely if your in threat of homelessness the council has to rehouse you?

[scaredkez]

the council won't re home you if you seemed to have made your self homeless and this includes voluntary repossession, the homeless section if they do help you can put you any where in their division regardless and you are only given one option, which for me is not an option as the available area is not a nice area and 8 miles from where i am now, if you go to private lets through estate agents because of the BR they require 6 months up front plus deposit and can ask for a further 6 months up front when original has expored.

melanie thats great just wanted to make sure i hadn't sent the messages to the wrong person.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[emma_t]

Hi Kerri
What an awful time for you - I only hope, with Melanie's help, you can get this sorted.
I feel grateful that I don't have any children while I am in my situation, I don't know how mums & dads manage everything while trying to maintain some normality for the children. It must take a great deal of strength and courage, and I take my hat off to all the mums & dads out there.
Good Luck, I will be thinking of you and sending all my positive thoughts to you
Emma x

[sjw]

that just seems crazy having your house taken due to bankruptcy hardly seems voluntary, no more than needing housing due to moving form parents or separation no one goes into br for the sake of it after all it because there are no options left and then to top it off you are expected to come up with thoussands as deposit now that really possible when your bankrupt are these peaple mad

its a mad mad mad mad world

[scaredkez]

thank you emma.
sjw it is mad as where do you get the money from? they say miss the mortgage for 6 months and save that way but some companies start repossession after 3 missed and i missed 2 to go BR for hubby and I.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[sjw]

hope everything goes well for you , only way is up

[Rainbow]

Hi Kerri

Just read this thread and I really feel for you and my thoughts are with you. Do you still have all the information I gave you for your neice? That all applies to you now and the Council cannot just make you intentionally homeless because of going bankrupt. However, they will if you give up your house - My best advice is stay where you are until possession proceedings start by the OR's office or whoever is dealing with the sale of the house and don't hand in the keys to the mortgage companies - On Mish's thread I have posted some advice about contacting Housing Associations who maybe interested in buying the house, this could apply to you to. The Council cannot put you just anywhere in a homeless situation they have to take into account your connections IE school, work, childcare arrangements etc so don't let them fob you off with that old chestnut, the maximum time that Council's can put you in temp accom is 6 weeks and then its only in an emergency - If you need more help then please ask admin to give you my email address and I will be more than happy to speak to the Council on your behalf when the time comes, although it won't be for a long while yet as you cannot apply as homeless until 28 days before becomming homeless.

Best of luck Kerri and my thoughts are with you.
Rainbow

Every Cloud has a silver lining. At the end of the Rainbow is a Pot of Gold - Or Hope!

[lily]

Just wanted to say, rainbow you are a star.

lily

[BrassicLintus]

Kerri, only just read the rest of the thread (trouble with new internet connection) but I hope Melanie has been able to help. I just want to say that I hope you get the break that you and your family deserve, you have given me (and so many others on this forum) so much help and advice, and I really feel for you and your family in your situation, and I stand in admiration at the way you are coping, I have no family to worry about and can only imagine how hard it must be for you - but I'm sure you'll get there. Best wishes.

Sam

[aguise]

Dear Kerri
Stay strong

I am sure all will be well in the end, your treatment has been dreadful. Keep going and check all your options, you will sort it you have the strength it shows every day on the forum.

All my best wishes

Ang x

Please visit my blog at http://aguise.blogs.iva.co.uk/

[Lisa2009]

Kerri, what a dreadful way to be treated. I do so hope you sort things out. It's good to have a rant from time to time and if anybody deserves it at the minute its you.
Best of luck and try to keep your chin up.

Hugs
mrs skint xxx