Hi Andy
If you are having children for 5 days and splitting up from your wife/partner would could qualify for a council house? I split up with my hubby 8 years ago and he was given a council place.
Believe me, I do know how you feel, I was going round in circles in Sept last year to the extent that I just couldnt function. Please sit down, take a deep breath and say, "whats done is done". The next step is to take control of the situation and move on, it really does get better.
The first thing you need to look at is accomodation, maintain your priority debts, ie maintenance, utilities, insurance tax etc. Car HP, TV licence Offer token payments to your creditors so that it takes the immediate financial pressure off. They will phone, write shout and scream but they can do little else at this stage. It takes around 3 months before your credit rating takes a dive, if you need to rent privately.
If you have debts with your current bank, open a basic account with another, non associated bank, this will prevent the right of offset and give you some breathing space.
Realistically you cannot propose an IVA at this stage with such unknown variables. Also if you are not a homeowner then BR just might be the better option, unless you have professional status reasons why Br is not an option. If bankruptcy is an option then read skippy's and scaredkez's blogg, it might help to clear up some common misconceptions about the proceedure.
Please dont appologise for being stressed to the limit, we have all been there. We will be right there with support and to answer any questions you have however small. There is always someone here.
Keep posting
Good luck for now
lily
Last edited by
lily on Mon Jul 30, 2007 8:58 am, edited 1 time in total.
lily