8866
General Discussion Area / Re: kittens ready
« on: 10 July 2009, 23:17:33 »
its my dogs birthday next month, do they come gift wraped 
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8867
General Discussion Area / Re: Nine in Nine Days / EIGHTEEN NOW!!
« on: 10 July 2009, 23:10:09 »
are a man who thinks like me 
could not agree more with you there mate.
my cousin is out there at the moment working with the royal marines and tells me that there is so much discontent in the ranks about this its unbeliveable
the officers all toe the party line in public but in private, they feel just the same way.
but at the end of the day, when you take the queens shilling, you do as you are told
could not agree more with you there mate.
my cousin is out there at the moment working with the royal marines and tells me that there is so much discontent in the ranks about this its unbeliveable
the officers all toe the party line in public but in private, they feel just the same way.
but at the end of the day, when you take the queens shilling, you do as you are told
8868
General Discussion Area / Re: Nine in Nine Days / EIGHTEEN NOW!!
« on: 10 July 2009, 22:40:29 »
5 killed in a i.e.d. explosion
at the end of the day, there is 2 things about this situation that really p*sses me off.
1/. N.A.T.O. the lads out there are all under the command of nato. how many countrys are in nato ?
and why are there troops not in the fields getting there hands dirty with our lads ? i know for a fact that the germans have helicopters out there but are not allowed to fly into a combat zone and have been stoped flying at night because it dangerous !!
2/. under funding. why does this country seem to think that we have to do nato's dirty work with sub standard equipment while the rest of europe sits back and laughs at us while greatfully taking god knows how many million pounds everyday ?
at the end of the day, there is 2 things about this situation that really p*sses me off.
1/. N.A.T.O. the lads out there are all under the command of nato. how many countrys are in nato ?
and why are there troops not in the fields getting there hands dirty with our lads ? i know for a fact that the germans have helicopters out there but are not allowed to fly into a combat zone and have been stoped flying at night because it dangerous !!
2/. under funding. why does this country seem to think that we have to do nato's dirty work with sub standard equipment while the rest of europe sits back and laughs at us while greatfully taking god knows how many million pounds everyday ?
8869
General Discussion Area / Re: Stuff dogs can eat?
« on: 10 July 2009, 23:01:02 »
my dog gets hay fever.
we just give him one anti hystermene tablet a day
seams to do the trick
we just give him one anti hystermene tablet a day
seams to do the trick
8870
General Discussion Area / Re: Swine Flu - What To Watch For
« on: 10 July 2009, 23:42:47 »
to be honest, you are better of getting it now before it mutates and comes back in the autum even worse
8871
General Discussion Area / Re: Swine Flu - What To Watch For
« on: 10 July 2009, 23:23:37 »
tuesday, my lad brought a letter home saying 2 kids had swine flu.
thursday, he came home saying it was now 4 kids.
today, only 180 out of nearly 1000 turned up for school
begining to wonder if im going to let him go next week :-/
thursday, he came home saying it was now 4 kids.
today, only 180 out of nearly 1000 turned up for school
begining to wonder if im going to let him go next week :-/
8872
General Discussion Area / Re: I need a new drill
« on: 09 July 2009, 18:19:20 »Quote
My dad's old B&D is still going strong. However, the newer stuff is pretty poor in comparison
agree with that
used makita for years
8873
General Discussion Area / Re: Recommended Sellers and Services
« on: 06 July 2009, 13:41:18 »if anybody needs there windows tinting in the hull / e yokshire area then i know a man
top bloke and a good customer of mine over the past few years
he did the windows on my old miggy estate. told him i was going away on holiday the next day and needed it done quick !
i dropped it of at his work unit at 4pm and he gave me a lift home
he worked on it all evening and picked me up at 11:30 pm so i could collect it cracking job and very reasonable too
8874
General Discussion Area / Re: bankrupt
« on: 06 July 2009, 13:27:53 »
oh and the miggys running like a dream at the mo
too the lads and lasses who have been where i am and offered advise ( too many to mention )
i'll pm you all when the time gets closer
cheers steve
too the lads and lasses who have been where i am and offered advise ( too many to mention )
i'll pm you all when the time gets closer
cheers steve
8875
General Discussion Area / Re: bankrupt
« on: 06 July 2009, 13:22:18 »
too all the people who offered and me advice when i had my head up my bum last week.
a quick update on the bankruptcy
now got myself a basic bank account sorted for the dreaded day
spoke to my ex bank manager last week.
told him i was not tradeing anymore and intended to sign on the dole this week.
he wasn't happy when i explaned that i have no assets what ever and he can't take what i haven't got i must admit that the look on his face was a picture
i have about £1200 outstanding which i should be getting in around the end of this month. i have had a word with the wholesalers i use and as long as i pay them off before i go bankrupt then they will be happy to give me an account in another name ( when im discharged )
all money coming in now goes in the new account and is drawn out in cash so i can pay off anybody i want to keep sweet in other words ............ wholesalers and my accountant the rest will be shown in my accounts as " living expences " :
sat down with the missus and worked out that with family tax top up's ( in her name ) and the money i won't be paying out, we should be around £ 800 a month better off
a quick update on the bankruptcy
now got myself a basic bank account sorted for the dreaded day
spoke to my ex
bank manager last week.told him i was not tradeing anymore and intended to sign on the dole this week.
he wasn't happy when i explaned that i have no assets what ever and he can't take what i haven't got
i must admit that the look on his face was a picture i have about £1200 outstanding which i should be getting in around the end of this month. i have had a word with the wholesalers i use and as long as i pay them off before i go bankrupt then they will be happy to give me an account in another name ( when im discharged )
all money coming in now goes in the new account and is drawn out in cash so i can pay off anybody i want to keep sweet in other words ............ wholesalers and my accountant
the rest will be shown in my accounts as " living expences " : sat down with the missus and worked out that with family tax top up's ( in her name ) and the money i won't be paying out, we should be around £ 800 a month better off
8876
General Discussion Area / Re: bankrupt
« on: 28 June 2009, 22:25:26 »
well thanks lads ( and liz ) for all the advise and storys
iv'e got too admit the business ( or whats let of it ) has been falling apart for a couple of years now
anybody who has known me over the years will tell you what a bad looser i am
whether im playing a board game with my lad or footy with my mates, i've got to win and belive me i don't eat humble pie easy
if anybody has any advise or storys then please tell
i would be supprised if im the only one on this forum who is in this position.
got too admit that i will sleep better tonight so thanks
steve aka tigers_gonads
iv'e got too admit the business ( or whats let of it ) has been falling apart for a couple of years now
anybody who has known me over the years will tell you what a bad looser i am
whether im playing a board game with my lad or footy with my mates, i've got to win and belive me i don't eat humble pie easy
if anybody has any advise or storys then please tell
i would be supprised if im the only one on this forum who is in this position.
got too admit that i will sleep better tonight so thanks
steve aka tigers_gonads
8877
General Discussion Area / Re: bankrupt
« on: 28 June 2009, 16:49:32 »Quote
bankruptsy can be sorted in 12 months if the debt is 15000 or under, over that it lasts 3 years (maybe 6), an IVA is a baaaad option, that can affect you for 12 years. there are new rules a better place for info is here,
http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center
yeh, thats what i was thinking
just been told of a mate that if your on the dole, it costs you nothing nowdays
if your working, it costs you 500 quid
and the best bit .................. once the court has been satisfied and finished with you and providing you don't work for 6 months then the court will discharge you
all this happened to him last year......... cheque bounced ............ bank called in his loan .......... and bobs your auntie ......... he pays 500 quid ( he's still working ).......going threw the procedure now
he sold his 2 of his 3 cars to his daughter and brother
50 quid each
morgage company said you have always payed your morgage and your house is well into negative equity so keep it
tax man says yes you owe use money but if we stop you working then we will never get it
he is looking to be discharged in about 1 year
8878
General Discussion Area / Re: bankrupt
« on: 28 June 2009, 14:36:58 »
thanks too you all for all the idea's / advise.
i will look into all the advise over the next couple of days and will pm / ring some of you about this
i've had my head up my arse for a good 6 months now over this
spoke to the bank manager 2 weeks ago and asked about extending the overdraft .
he said "computer said no" ......... so i cancelled all my direct debits and asked him how am i supposed to pay my business loan ?
he looked me in the eye and said " from the banks point of view, if you go bankrupt then we claim on the loan insurance and recieve most of the outstanding amount back in one lump sum " complete and utter wa*ker
i walked out before i lost it and ended up in the cells
thats lloyds tsb for you
any chance of regular money coming in has gone because the work is just not there at the moment ( caravan / porta cabin / housing industry has totally gone in the last year so the public round hear are teriffied to spend any money so i think thats a court approved admin order out of the window
the only work i have is off a landlord who is based in the midlands. where its good money, it takes 2 - 3 months to get paid ( even though i can demand it in 30 days, once you do that, he never rings you again )
sadly after the floods 2 years ago, alot of sparkys went self employed and made a bit of a killing on the insurance work
12 months later ( this time last year ), the work has gone and they all went back to there old employers to ask for ther old jobs back to be told "p*ss off" ( this was the start of the economic shit thats happening now)
hence they must be 200 sparkys in this town begging for work
i will look into all the advise over the next couple of days and will pm / ring some of you about this
i've had my head up my arse for a good 6 months now over this
spoke to the bank manager 2 weeks ago and asked about extending the overdraft .
he said "computer said no" ......... so i cancelled all my direct debits and asked him how am i supposed to pay my business loan ?
he looked me in the eye and said " from the banks point of view, if you go bankrupt then we claim on the loan insurance and recieve most of the outstanding amount back in one lump sum " complete and utter wa*ker
i walked out before i lost it and ended up in the cells
thats lloyds tsb for you
any chance of regular money coming in has gone because the work is just not there at the moment ( caravan / porta cabin / housing industry has totally gone in the last year so the public round hear are teriffied to spend any money
so i think thats a court approved admin order out of the window the only work i have is off a landlord who is based in the midlands. where its good money, it takes 2 - 3 months to get paid ( even though i can demand it in 30 days, once you do that, he never rings you again
)sadly after the floods 2 years ago, alot of sparkys went self employed and made a bit of a killing on the insurance work
12 months later ( this time last year ), the work has gone and they all went back to there old employers to ask for ther old jobs back to be told "p*ss off" ( this was the start of the economic shit thats happening now)
hence they must be 200 sparkys in this town begging for work
8879
General Discussion Area / Re: bankrupt
« on: 28 June 2009, 12:32:58 »Quote
Very sorry to hear that Steve
I very nearly went bankrupt a few years back, but managed to avoid it.
However, I recommend you go to your local Citizens Advice Bureau who helped me greatly when I was in some financial difficulties after my marriage break up, and in fact were very keen to recommend the bankruptcy route to me. But, as I say I avoided that as a) it costs (£350 I think?) and b) it will affect your credit rating for a long time afterwards.
By avoiding bankruptcy and coming to "an arrangement" with your creditors has meant I am now fully credit worthy again! 8-) 8-) 8-) 8-) 8-)
i type slowly
cheers liz
8880
General Discussion Area / Re: bankrupt
« on: 28 June 2009, 12:31:42 »Quote
Sad news matey. I would certainly try other options rather then bankrupsy as I believe creditors can send in the bailiffs for your goods in some cases.
Total your debts up and create a list and have a chat with some of the debt management companies (The free ones) There may be more than one option out there for you.
What ever direction you take, be thoughtfull and do your home work. In most cases advice is free
One company a friend dealt with was CCCS (might be better emailing them as I heard the phone's are allways busy)
http://www.cccs.co.uk/
http://www.google.co.uk/search?hl=en&q=Free+Debt+Advice+&btnG=Search&meta=
All the best matey.
cheers lads,
on the good side.
live in a council house and the house is in our lasses name not mine.
cars worth 500 quid tops ( been told unless its valued over 1500 quid then the reciever wont be interested )
i've no property, or investments.
so i've got my tools ( which i'll need to work ) and my clothes.
on the bad side.
i've not kept upto date with my stamp contributions so it looks like i won't get dole
been told that our lass can claim tax credits in her name because the lads still only 13
and i'm working on the idea that that the court can't take what i havent got !!
ok, 90% of the contents of the house was payed for by me ( in cash ) but seen the house is in her name and as far as the courts can tell, all the property is hers