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 ...
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
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.
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 ...
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 ...
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
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)))
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 ...
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 ...
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
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...
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.
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.
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...
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...
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)))
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...
Thread profile page for "Id love some help, im close to breaking point." on http://www.moneysavingexpert.com.
This report page is a snippet summary view from a single thread "Id love some help, im close to breaking point.", located on the Message Board at http://www.moneysavingexpert.com.
This thread profile page shows the thread statistics for: Total Authors, Total Thread Posts, and Thread Activity