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Thread: Id love some help, im close to breaking point.

Started 1 month, 1 week ago by Endoftheroad
Hi there, Several weeks ago my Dr assured me he could get my £41,000 of debt written off due to Bipolar Disorder. I accrued the debt whilst going through a severe Manic period 2003/04. I finally had to give up work in 2005 and have been terrified since. Well...up shot it, he can't. He and CAB are still working on it, but CAB have told me it is very unlikey so I have made the decsion to ...
Site: www.moneysavingexpert.com  www.moneysavingexpert.com - site profile
Forum: Bankruptcy & Living With It  Bankruptcy & Living With It - forum profile
Total authors: 11 authors
Total thread posts: 29 posts
Thread activity: no new posts during last week
Domain info for: moneysavingexpert.com

Other posts in this thread:

confused76 replied 1 month, 1 week ago
i'm just typing a pm message to you x

debtinfo replied 1 month, 1 week ago
Dont worry they wont want to take it now, have you incurred ant credit since 2005, if not i think with the bi-polar disorder it will be a very straightforward case for the OR

kerrypn replied 1 month, 1 week ago
Hi I am pretty sure this part refers to an impending will ie someone has died already and you are waiting for proceeds or legacy. You or the OR have no way of knowing when any person leaving you money will die, and in your mother's case it will hopefully be man years after your discharge when it will be yours anyway. Please tell your mum. She will support you through this.

elsien replied 1 month, 1 week ago
I think it probably means if someone has died and the will has already come into effect - eg for example if there is someone living in the house but it reverts to you when they also pass on, or if the house is waiting to be sold and the proceeds split between the beneficiaries. Don't panic, no-one is going to take your mum's house if you go bankrupt just because of a will. Her house would only ...

michael1983l replied 1 month, 1 week ago
Don't worry about being on a will, the house isn't yours for them to take unless anything happens to your mum god forbid. As for the rest I'm not the best person to help but the part where you said you had your hopes dashed well I know how you feel and going through this is like a rollercoaster there will be many times that you get your hopes dashed but please remember the rollercoaster always ...

debtinfo replied 1 month, 1 week ago
just to add that bit about he will is really talking about where the person has died and you are due to get the asset in the future, rather than the will as it is now which can be changed at any time

tigerfeet2006 replied 1 month, 1 week ago
Can't add to the excellent advice you have already had but just wanted to say you are doing the right thing for you. It is not an easy thing but it will make such a difference in your life. All the best for the future (((hugs)))

So Sad Angel replied 1 month, 1 week ago
Welcome endoftheroad a few dodgy group huggles first. Sounds like you need them. Hopes that come crashing down to the ground are heartbreaking but at least it will help in that road to getting your life back. I hope that the CAB are assisting in the BR forms as you can use their assistance. On the subject of the will.....remember wills can be changed at anytime & its down to the ...

Endoftheroad replied 1 month, 1 week ago
Oh My! How wonderful you all are. In more rational moments brain is telling me everything will be OK, you are all telling me it will be OK, the CAB have told me it will be OK, unfortunately my illness has to argue with it, and around this time everynight I get the running comentary in my head of everything that WILL go wrong, and I can't make it stop. Big hugs to you all, you have ...

confused76 replied 1 month, 1 week ago
you're amongst friends now xxx

 

Top contributing authors

Name
Posts
Endoftheroad
11
user's latest post:
Id love some help, im close to...
Published (2009-11-14 11:14:00)
Confused76, bless you X Sending you a virtual coffee and pecan danish
confused76
6
user's latest post:
Id love some help, im close to...
Published (2009-11-14 11:15:00)
ooh good i'm starving lol x
debtinfo
2
user's latest post:
Id love some help, im close to...
Published (2009-11-13 22:51:00)
just to add that bit about he will is really talking about where the person has died and you are due to get the asset in the future, rather than the will as it is now which can be changed at any time
So Sad Angel
2
user's latest post:
Id love some help, im close to...
Published (2009-11-13 23:18:00)
Quote: Originally Posted by endoftheroad unfortunately my illness has to argue with it, and around this time everynight I get the running comentary in my head of everything that WILL go wrong, and I can't make it stop. LOL I so identify with that EOTR (sorry I abbreviate)....my brain does that to me between midnight & 3am.....in fact I have often been found talking to myself on here at silly oclock in the morning. I jest but...
southcoast
2
user's latest post:
Id love some help, im close to...
Published (2009-11-14 10:22:00)
Quote: Originally Posted by endoftheroad Does anyone know if there is anyway I can check if anything is in my name without alerting Mum. I can't do BR until I know. Surely I would have tax forms, statements if there were, I just don't know? Can you ask the person who dealt with your late fathers estate? Alternatively if probate was granted you should be able to obtain a copy.
kerrypn
1
user's latest post:
Id love some help, im close to...
Published (2009-11-13 22:50:00)
Hi I am pretty sure this part refers to an impending will ie someone has died already and you are waiting for proceeds or legacy. You or the OR have no way of knowing when any person leaving you money will die, and in your mother's case it will hopefully be man years after your discharge when it will be yours anyway. Please tell your mum. She will support you through this.
elsien
1
user's latest post:
Id love some help, im close to...
Published (2009-11-13 22:50:00)
I think it probably means if someone has died and the will has already come into effect - eg for example if there is someone living in the house but it reverts to you when they also pass on, or if the house is waiting to be sold and the proceeds split between the beneficiaries. Don't panic, no-one is going to take your mum's house if you go bankrupt just because of a will. Her house would only come into it if it was already in your...
michael1983l
1
user's latest post:
Id love some help, im close to...
Published (2009-11-13 22:50:00)
Don't worry about being on a will, the house isn't yours for them to take unless anything happens to your mum god forbid. As for the rest I'm not the best person to help but the part where you said you had your hopes dashed well I know how you feel and going through this is like a rollercoaster there will be many times that you get your hopes dashed but please remember the rollercoaster always goes back up again. Don't...
tigerfeet2006
1
user's latest post:
Id love some help, im close to...
Published (2009-11-13 22:59:00)
Can't add to the excellent advice you have already had but just wanted to say you are doing the right thing for you. It is not an easy thing but it will make such a difference in your life. All the best for the future (((hugs)))
cuddlymarm
1
user's latest post:
Id love some help, im close to...
Published (2009-11-14 08:57:00)
Hi I thought I would just send you some hugs and point out that family and friends can suprise you with how helpful and understanding they can be in bad times. Once you have made the decision to do BR it will get easier and don't forget that the court is there to allow people a fresh start that have no other option. This board has been wonderful to me because you can talk to people that have already been through it and know that there is...

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