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lily
IVA Artisan
United Kingdom
1482 Posts |
 Posted - 29 October 2007 : 17:08:16
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Hi Kerri
Just wanted to say I really feel for you right now, God only knows what you must be feeling, even if you did expect it, what a shock it must be to realise you have lost your home. I find it a little annoying that no one seems to know what on earth is going on, you really dont need this right now, things are bad enough. Its something they do everyday, dealing with people going through such a serious and stressful event, they need smacking into the reality of what this proceedure means to families with young kids facing homelessness.
Anyway, I am thinking of you and hoping someone somewhere can give you some guidance on what to do next.
It really brings the little insignificant things we moan about everyday into persective.
good luck for tomorrow.
Special love
lily |
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thebear29uk
IVA Journeyman
United Kingdom
661 Posts |
Posted - 29 October 2007 : 19:11:27
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Hi Kerri
If it is the case that nothing will be done for at least 2 years there's always the possibility that house prices will fall and therefore you could be back in negative equity.
Reading reports on here, in the papers and on the BBC website we keep being told there is going to be a downturn in the property market as more people find it harder to get a mortgage.
Regards
Dave |
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MelanieGiles
IP
30800 Posts |
Posted - 29 October 2007 : 21:35:37
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That is poor advice from the RTLU - and unfair to pass a case to a private sector IP so soon before the deadline for dealing with the interest. I know that this will not affect you, Kerri, as you are intending to move out much earlier, but I do get fed up with comments like this being made by people who ought to study the law a little better - or have more regard for private sector IP's who generally have to pick up the pieces.
If this is the case, Kerri, and they are prepared to put it in writing to you, are you not better off just staying in the property and paying the mortgage. Dave is right, prices may well come down over the next couple of years.
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 |
Edited by - MelanieGiles on 29 October 2007 22:58:06 |
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 29 October 2007 : 22:20:18
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well melanie this is the gamble me and hubby have to decide to take or not, i am really pee'd off with the OR and insolvency service at present as neither one seems to know which hand is pulling the strings, and i am the puppet.
kerri
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 29 October 2007 : 22:38:26
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sorry i am beginning to lose it, i have been fobbed off today with saying your account from NR was for a different couple of the same name, how lame is that? surely names, account no's etc are double checked, then to tell me i am not discharged but then hey i am just a different department hasn't upgraded the comp , never mind the insolvency site, we are putting our lives and futures in these peoples hands, yes i have made a mistake and big one, i done what i could do i really need to be treated by a load of incompetents, neither the OR or the RTLu are singing from the same hymn sheet, its a shambles or is it just i am the unlucky one? how long have i got? it's like a death sentence looming i wish it was all over, i am nice everytime on the phone with them as they are like the grand master holding your existence in their hands and don't see the greater side of their mistake, yes in reality i knew i would have to move and give up my home, they told me different, i am still in limbo, as to what my next move should be, do i hold out and hope for a big house price crash or do i move on, tick tock the clock is ticking, only i can decide that, just wish they knew their ass from their elbow sorry peeps bottled that in all day, hubby away needed a rant, still ill, still here and nowhere forward. he also said to me today we could get a charging order before it goes any further and you could pay it off that way, and hey that puts me back in debt, i think i really need to phone them again tomorrow.
kerri
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
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MelanieGiles
IP
30800 Posts |
Posted - 29 October 2007 : 23:01:54
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Kerri
If it would help, I would be more than happy to speak on your behalf to the RTLU, as there are issues which I am not happy with regarding the advice that you have been given.
I have a very senior manager who works for me who used to work for the Official Reciever's office, and has a wealth of information of the workings of the office, their policies and protocols. If you feel that we could help - and sometimes these issues are just a phone call away - why not drop me an e-mail.
I hate to think of you so stressed out, as you are such a strong person for the rest of the forum, and the uncertainty about your home must be really affecting the children.
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 |
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bagpuss
IVA Journeyman
United Kingdom
587 Posts |
Posted - 29 October 2007 : 23:11:34
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Oh my goodness kerri...just read all this and i cant even begin to imagine what your going through...(and there was me moaning about remortages probs on sat..sorry babe)
Thats a fab offer from Melanie, i so hope you get some firm and consistant answers soon.
Thinking of you x
Angie xx
My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/18/our-iva-story/ |
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 29 October 2007 : 23:25:46
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melanie that is very kind of you will drop you an email.do i go through your site.
kerri
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
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Edited by - scaredkez on 29 October 2007 23:27:34 |
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MelanieGiles
IP
30800 Posts |
Posted - 29 October 2007 : 23:31:48
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Yes please Kerri. I do have a direct e-mail address, which I will let you have via my web-site. Can you get together copies of all of the letters you have received from the OR in readiness for posting me copies or scanning them electronically.
I am sure that we can sort this out for you very quickly, and look forward to hearing from you soon.
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 |
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 29 October 2007 : 23:42:22
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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/
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andymac
IVA Campaigner
327 Posts |
Posted - 30 October 2007 : 11:16:24
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Good luck Kerri, and big thanks to Melanie.
Andy |
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 30 October 2007 : 15:36:26
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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/
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MelanieGiles
IP
30800 Posts |
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sjw
IVA Campaigner
420 Posts |
Posted - 30 October 2007 : 18:40:31
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 30 October 2007 : 20:41:47
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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/
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emma_t
IVA Artisan
34 month\s down 26 month\s to go.
United Kingdom
2064 Posts |
Posted - 30 October 2007 : 20:55:22
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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 |
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sjw
IVA Campaigner
420 Posts |
Posted - 30 October 2007 : 20:56:49
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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 |
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scaredkez
IVA Artisan
United Kingdom
1747 Posts |
Posted - 30 October 2007 : 21:19:51
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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/
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sjw
IVA Campaigner
420 Posts |
Posted - 30 October 2007 : 21:31:26
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| hope everything goes well for you , only way is up |
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Rainbow
IVA Campaigner
434 Posts |
Posted - 31 October 2007 : 08:05:24
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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! |
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letter from OR equity
