Tilly Is Going Bankrupt (here we go again )

[**Tilly**]

Im here

[**Tilly**]

Ok the way i see it i have 3 options

 

1. Try and prove the house was undersold, after all what s gone on last few months, dont know if i could hack it at the mo to be honest,

 

 

2. Let them chase me for 12 years, to be honest i dont think i could cope with that.

 

 

3. Go Bankcrupt and knock it all the head so to speak, fresh start in a year or so with nothing hanging over my head or lurking in the shadows,

[**Tilly**]

Now is the best time to do it before you return to work, on benefits you will have no IPA to pay and will be discharged within the year.

 

 

 

 

Fantastic advice.

I couldnt agree more.

 

 

yep i agree too

[**Tilly**]

Thanks for sticking with me guys much appreciated, hopefully like ssl said

tis my last hurdle.

 

 

 

 

 

 

 

Tilly

[**Tilly**]

Hi Hopeful

 

I hope so too

 

Taken me a long time to decide whether to go Bankrupt, but after a lot of thinking

and advise, from good peeps here, also from cab and also a meeting this afternoon

with an insolvency adviser(thingy lol) who advised me to go bankrupt due to the large

shortfall amount, and also ex going for it, so although my mind was made up, i really

had no choice in the end,

 

 

 

Tilly

[**Tilly**]

still gonna keep an eye on u tills

 

 

Thought you might :grin:

[**Tilly**]

What do you mean:confused: - the shortfall is the main reason for bankruptcy and once Tilly is BR no one can chase her for it EVER.

 

Phew thank gawd for that

[**Tilly**]

Your ex's choice sealed the deal in my opinion. quote]

 

signed sealed delivered and filed apparantly last week

[**Tilly**]

Hi Mich thanks for your support

 

Giz thanks for explaining Termi's post

 

 

Tawny

 

Good to see you have flown in noooo not even thought about bankruptsy bash,

think my bashing days are over for a bit now, time to get prioritys in order me thinks

and yes i think the devil has resurfaced.

 

 

Tilly

[**Tilly**]

Hi Tilly!

 

Are you managing to chill and have me time, hope so.

 

D

 

X

 

Hi Termi

 

yes managing to chill ish me time lol no chance

[**Tilly**]

Hi Babybear

Thankyou for your support, i would just like to apologise the late reply,

 

As someone pointed out to me i went awol

Reason being i think i have just had the worst 3 days since all this started, i think any body only have certains limits they can be pushed to and i think reached mine and i think everything over the last 5 months came crashing down in one hit, and thanks to a good friend who tonight spent an hour and half on the phone talking to me,and making me talk, as well as a few harsh words you know who you are :)not saying im all bright and breezy but has kicked me into touch so speak, it is hard to explain how you feel, or anyone feels

that has been here or what the op in the thread above feels, all you r emotions the hurt the anger, build up and in the end i guess they have to erupt, i have kept this bottled up and to my self, my advise is dont, talk to someone even if it s the cat next door off load, waffle over .

 

ps soz about your phonebill

 

Tilly

 

[**Tilly**]

Tilly

 

You are going through a major transistion in your life, and with this comes feelings of loss not unlike bereavement. You are not only losing your home but your marriage, employment and all related security. Today is maybe the first time the full impact hs taken its toll, but it wont be the last time but you have started the process of healing the wounds that you have incurred during the last few months.Keep talking to your friends and family, the pain and anger will subside, and one day you will wake up not only to a brighter future, but feeling that the future is brighter and looking forward to it as well.

 

Thanks Giz think maybe your right, cant wait till i wake up and its brighter like you say it will happen in time.

 

 

 

Hi Tilly

Just wanted to let you know that im ithinking of you and it had to come out sooner or later but please dont live in the past as this is a brand new start for you and i must tell you that its 2008 the number 8 represents New beginnings and the number 7 is completion so whatever you went through the last 7 years its over! And this year your new start begins

 

 

 

Thanks Mich, your right the past has been and gone time to move on, will try anyway

pssst whats number 9

 

hi tills just wanted to add my support too u were missed from msn glad your ok agree about the letting off steam xxkia

 

Hiya Kia

 

Thanks for popping in, aww you miss me seriously though not been logged on anywhere exept the occasional poke on fb

[**Tilly**]

 

seriously though not been logged on anywhere exept the occasional poke on fb

 

So many comments, but best keep them to self

 

:eek: have to take it out on someone :grin:

 

It is a good thing that you've started to release some of that emotion. I expect you've been holding yourself together for a long time as a coping mechanism, but also to protect your children. As fab as you obviously are, you're only human. Don't forget to keep giving yourself a pat on the back for coping with as much as you have

 

 

{{{{{{{{hugs}}}}}}}}

 

 

Tilly

[**Tilly**]

Thankyou Tau

 

I have the forms, at the mo they are going whoooosh im thinking to wait until

i have a permanat address and settled. Sounds like your on the way up your

right i think you do appreciate things more when you save and pay things yourself.

thankyou for your support.

 

 

 

Tilly

 

[**Tilly**]

Thankyou Jogs

 

 

 

 

Tilly

[**Tilly**]

Get them forms done and get on wth it.

 

 

me thinks ive just been told

[**Tilly**]

Hi Tilly

Any News on the House front

Bona xxxx

 

 

Not really case still being assessed, although he did say was coming to see me next week, and 12th on list on medium band for 2 villages

[**Tilly**]

need to let of steam peeps hold your ears

 

AGHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH

AGHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH

 

:-x:-x:-x:-x

[**Tilly**]

soz peeps if i post now, will more than likely get cagbotted big time sooo got to calm down first, laterz

[**Tilly**]

Pmt Again ?

 

 

That i could have coped with pmsl

[**Tilly**]

Ex related tension, I fear!

 

 

Got it in one Emma

 

Hi Tills hope you're doing ok, hun x

 

Im ok hopeful thanks

 

 

Hope you are ok.

 

 

Im fine thanks Emma ta for your pm hun x

[**Tilly**]

I have just gone deaf after that

 

pmsl you think that was bad you should have been here lol

 

 

Ok i is calm now

 

Firstly forms filled and ready to go,

 

next a bit of topic

 

Had meeting with housing dude, ask's me to get in touch with ME, for the amount of mortgage, how much left to pay after sale and repayment plan:confused: won't proccess housing application until he has this info, ok rings up ME

a. cant find me

b. 2 different account numbers

c.tis in dispute

 

when they do eventually find me, they tell me they cant give me the info the council dude has to request it,

 

So i ask's why is the account in dispute, oh i can't tell you need to ring the solicitors, hangs up rings solicitors, apparantly to do with the valuation, so gawd know's who put it in dispute i certainly didn't confused cos i is lol

[**Tilly**]

Oh tills.

 

U so sound like u are having fun. first they under value the house now they say its in dispute.

 

lol GM must admit i did actually laugh, think she thought i was a fruit loop :grin:

 

I feel a voddy session comming on here as it is getting stupid.

 

 

Haha noooo tooo early in the day

[**Tilly**]

Hi Gm

 

naaaa still tooo early lol

 

Not sure if the i's have been dotted and the t's crossed on the dotted line yet,

you know what for the first time, i don't care it's gone and in the past now

but i can see what you are saying, to be honest GM i dont't even know where

they got the dispute bit from, probs not even my account pmsl

the only thing left that has anything to do with me now regarding the house is the shortfall, lol whats that saying howwww lowwwww can you gooooo

 

 

Tillyxx

 

[**Tilly**]

This is true, but if i go bankrupt whooooosh it's gone