What do I do now??

[BECKY]

Im just into my second yr of my iva and struggling along on a very tight budget. Ive no kids and live at home still so Im getting used to having no money and I know its not forever. Today I found a letter to say my home is to be repossessed. My mum had hidden it and I'm pretty sure my dad has no idea about it.Ive helped out in the past with money , but obviosly I have none spare now so it looks like this is it. I know it sounds selfish to be thinking of myself but ive tried to help her get sorted debtwise time and again , but she gets herself in a mess everytime! My question is what do i do now? Im on an already impossibly tight budget already so how am I supposed to pay rent and utilities on somewhere else or even get the deposit for somewhere with my credit rating?

[BECKY]

When my dad finds out what shes done , they will not be moving into rented together , I fear that will be it for them . Its happened before in the 90s and they stuck together but I dont think he can go through it all again.
Besides that we have 4 dogs between us and very few if any rentals in the area i live allow pets .

[Adam Davies]

Hi
Oh Becky,what a nightmare
Have you a friend that you can rent with ?
Splitting the costs may be no more than living at home.
The other option is to ask your IP for a payment break whilst you sort out yours and your parents living accomodation
Regards

[BECKY]

No there all married!! My sister lives in birmingham so it'd be 140 mile round trip to work everyday so thats not an option either. At the moment I dont see how i can get out of this mess and service my iva at the same time , and br isnt an option.Ive already had a one montyh payment break due to a solicitors bill so I only really have 2 left.

[s.b.w]

Firstly, you need to talk to your folks and sort out the present situation.

Has anyone talked to the creditors? Is she definately being "chucked" out?

2ndly, Contact your IP to discuss the situation. They may be able to negotiate your P/£ settlement, meaning you may be able to lower payments which would mean more money to pay your own rent.

3rdly, do you know anyone who would be willing to take on the pets while your possibly moving, if only for short term?

Contact your IP first to see what they can suggest or help you with.

Fingers crossed for you.

Sharon

[MelanieGiles]

Becky

Your Mum really does have to tell your Dad about this issue, as it is not going to go away. With some common sense between the three of you, can you not see any way to try and deal with the mortgage arrears, and if your Mum has a problem in managing her finances, drastic steps by Dad may have to take place to relieve her of her salary and bank account.

I suggest you contact Paul Johns of Reviva who regularly deals with house repossession applications, and may be able to mediate between you and the creditors.

[Reviva UK]

Hi Becky ( and thanks Melanie)

we have infact been busy in court this week with a number of posession and reposession hearigs around the country. Pleased to say that we haven't lost a house yet!.

When you are in the middle it is desperately hard to see a way out. However it is all about openness and priority planning.

Sounds likel you have some discussions to have at home and then you need to get a plan in place really quickly.

Did you see if it was a posession or reposession ?

[BECKY]

Thanks everyone
Well i managed to get her on her own today ( bribed her with a haircut!!!). She swears shes not in arrears and the threatening letter is because she always pays on the 15th (hers and dads payday) and the due date is the 6th. I know she's had problems with them in the past because of this , so ive made her turn hte ringer back on the phone and deal with it properly. She has admitted to an £8000 cc and £200 phone bill that isnt being serviced at all though. Ive told her to tell the companies when they call that she is experiencin difficulties at the moment and to pay what she can for now until they can come to a more permanent arrangement.In her defence though I know i was really angry with her last night but my dad needs to take some responsibility too , he knows they dont earn the amount she spends every month and on the very rare occasion he answers the phone to a creditor , he just says he thought theyd been paid rather than sorting the problem out.
I just need to get her head out of the sand at the mo. When I mentioned the interest theyd be putting on the unpaid bills I just got " well they wont get it" how do you get through to that??
Financially i have helped them all I am able , but now due to my iva its impossible ( even though I have gone without to buy her food shopping twice this year already). I am just trying to help them out practically , Im sure the above 2 debts arent all she has but she just wont discus it and if I say anything in front of dad WW3 will break out!
Sorry its a long one!!

[debbiw]

Oh Becky, you sound such a lovely person, I hope you get these problems sorted soon. Just remember that you may be skint all the time at the moment, but it won't last forever ! x Good Luck x

[BECKY]

Thanks debbie im 20 down so 40 to go!! I just hope i can help my mum clean up her mess.

[Reviva UK]

Hi

Just to be sure I would encourage you to double check the corrspondance re posession / reposession and confirm what has actually been done.

It is great that some of it is out of the open but if it is not all clear then there may still be a problem

[BECKY]

Will do Paul thanks its hidden somewhere but I know her hiding places so I'll have a look and if she isnt being honest with me i'll take it from there

[Soulgrowth]

Good luck Becky ... your mum is lucky to have you as a daughter and I am sure that the benefit of your own experiences will help your mum and dad find a solution.

Debbie

[Reviva UK]

I know it is difficult but it is a lot easier to hug and make up before a clamity rather than if something terrible happens.

Look at it from her point of view - she is probably keping secrets because she is embarrassed, upset, feeling guilty etc etc .

If you are not sure what you are reading when you find it give me a call & I will talk you through it

take care

[MelanieGiles]

Becky - the mortgage company could not proceed with possession proceedings until at least three mortgage payments have been missed. Are you sure that your Mum is being straight with you? Your home is at risk here, and presumably your parents' relationship, so do try and get sight of that letter in case you need to try and stop something before it is too late.