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 All Monico's posts and comments (2)

A little invite into my life...The Bailiff & The Stepdad.

Posted in Monico on Jun 11, 2008

In no relation to my personal debt; a bailiff came to the house three days ago.

My mum hasnt been able to keep up payments on her council tax as although she is fairly well paid she cant manage all of the bills and demands piling up due to her 4 children and her house. When we moved from our council house to this house ( almost like an upgrade) he promised my mother he would be paying half the payments each month. Not once has he done so...weve been here nearly 5 years!

They (him and my mother) are now separated; but for some reason he's been coming back every six months or so complaining he has no where else to go and sleeping on our sofa for weeks and months on end; which I feel is causing instability for my little sisters but were all use to it now as my mum is unfortunately too too kind.

He still has not been contributing rent but does food shopping occasionally and brings home the odd £20 note from his 'well-paid' frellancing security job while my mum works 9-5, 5days a week. Although he has no money to contribute to his daughters upbringing he still had the cheek to turn down a well paid full time job as the flexibility of the hours did not suit him. I wish my mum had that choice.

 Anyway back to the story...

The bailiff came round stating he would be clearing out the house if we did not pay the smaller amount we owed the council straight away. After hours keeping him outside the front door to buy ourselves time; exchanging words with my mum over the phone while she was at work asking if she had any way of covering the payment; after shedding tears and even coming to the concluscion that he go ahead and take everything from under our feet...

We came to a final concluscion...

that day id recieved a payday advance to cover travel expenses to work for the month, buy my friend a birthday present and to pay off overdue bills before i was reffered to creditors...

I decided to put that towards the cost of preventing our house frombeing vaccumed of its posessions; my sister also paid all the wages she's just recieved and my mum paid the rest available in her overdraft...My stepdad had no money.

all three of us had chipped in and covered the cost...

and now not one of us have a cent to our names for the month.

Alongide the sister who chipped in; he has two more daughters that live in the house; my younger sisters, twins, both 12...He has not given a decent penny to help keep a roof over their heads since theyve been born and now their beds were about to be taken from under them because of his bad decisions and the lack of the ability to provide effectively.

He even thought the bailiff was there for him at first when I told him on the phone! Which means he's got debt tied to our household and he doesnt even live here!!

He's ruined all of our lives...we even owned a house at one point and were renting it out...under his watchful eye of course (he was a 'mortgage broker' at the time) turned out he was infact renting it to friends; who didnt pay the rent...and we lost the house. My mum had worked 18 years to get to that stage and he threw it down the drain.

As soon as Ive cleared the debt I have Im helping my mum and my family so that we never ever feel the need to rely on him (to be let down) again as thanks to him and his lack of contribution to the bills hes promised to pay...Ive had to pay them and now I dont know how Im going to get to work this month.

Im just going to trust in God for that.

 

 

A teenage girl in need of financial advice before she ruins her life!

Posted in Monico on Jun 2, 2008

Hi everyone....my names Monique...and I live in England...Heres the story.

Im only 18 years old and I am currently at university studying Fashion Promotion and Imaging in order to better myself for me and my family in the future. I promised myself I wouldnt go to uni as its just me mum and my sisters at home and she can barely afford to pay the mortgage and put food on the table; let alone pay for my course.

My dad lives in America and has always said he's had problems with his job so I dont ever ask him for financial help. Infact I dont ask anyone. He hasnt seen me since I was 13 and his mum...my nan...died a month ago but I never got to meet her as I had no money to go and visit her and I couldnt go to the funeral either

Anyway regardless of the costs of university I decided to go; and now Im in serious debt...Ive got phone bills, student overdrafts and travel costs to even get to work that I cant cover and my mum keeps offering me little bits of money here and there but I know she doesnt really have much at all.

Weve had two eviction notices in the past year and by the grace of God we pulled through.

 I just want to know if anyone can help in anyway...such as advice?

Ive been working full time for the summer but it's not enough to pay off my overdraft costs and my phone bill company are saying me not paying the bill is going to affect my credit rating. I promised myself that I would try and help my mum out as much as possible with money so the last time I had money I gave her a couple hundred pounds and brought a two hundred pound table for the house because the other one was broken and the chairs were all falling apart. I just wanted to help but now I have nothing left; I am really bad with my money and when I have it Im so generous that I have nothing left to live on...and now I really dont have anything except for debt; and Im only 18.

I dont know what to do or how Im even going to get to work this month.

I owe roughly about £2,000...

I feel like Im having a midlife crisis and Im only 18.

What should I do?

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