MORTGAGE ARREARS HELP -
Combat the 'Blues' with Green = Go!
Bad financial situations can
happen overnight and are often totally out of our control. It's not that
we want to be in debt - the great majority of people want to live a relatively
quiet life in the peace and comfort of their own home and enjoy family life
together.
However, with today's every
increasing stress, employment instability and financial pressures that is not
always possible, no matter how hard you try to reach and maintain tht goal.
Frequently, ordinary 'Joe Public'
is just doing the best he/she can and, 'out of the blue' they end up in a
situation that has been forced upon them through loss of employment. Companies
going bust, being downsized or taken over are, unfortunately an
everyday occurrence and are, sadly, just another aspect of life
that we have had to accept.
If you do happen to find yourself
in a very bad financial situation, remember that the law in England is there to
protect its citizens from unlawful practices, including harassment.
Obviously, always opt
for the right thing to do, including :
Do your best to settle any debts
as soon as possible or, if that's not possible keep communication open with any
banks/building societies or anyone else that you have an unexpected debt owing
to. Inform them of the situation and, wherever possible, ask for their
help to manage the debt in a way that is mutually beneficial for all parties
concerned. Often even the 'fat cats' are willing to re-negotiate terms to
accommodate people who are suddenly thrown into a financial situation that is
out of their control, such as extending the mortgage lending period to lower
monthly payments, or temporarily suspending payments to give a breathing space.
You'll never know unless you enquire about options available.
Sitting down and examining the
new family situation, discussing together and putting into place a much tighter
budget that will relieve the strain on available finances.
Work as a team at this, be
realistic and co-operative - it's your family we're talking about so fight the
problem together (not each other!)
Look into any benefits and
assistance you may be able to apply for and always be honest about your
details/situation
Contact agencies that can offer
help and advice (see the previous blog page for details and links). Even legal aid may be made
available, depending on an individual's circumstances.
Do all you can to make yourself
available for work - go about your job search as if it IS YOUR JOB! Dress
for work, be diligent at it and keep positive - a confident and determined
person is an excellent asset to employers the world over. Get your CV updated
and register at employment agencies. Regularly chase them up, especially
with personal visits to their
offices ... they won't forget you will they because you're not just some
computer file code!
Check local newspaper employment
or on-line ads on a weekly basis and apply for positions quickly.
Consider any government based
educational/training courses that may be available to you. On-line
(eLearning) is also an option that you can think about, depending on your
circumstances and financial situation. Improving your skills and knowledge will
boost your confidence in yourself, make your family proud of you and show
employment agencies and potential employers that you are a positive forward-looking
individual who wants to improve and to do your best.
Check out some on-line courses
available -
So, let's image that you are
doing all of the above and are really trying your best to cope with everything,
including working hard to stay positive and determined. One day, though, you
either get a knock at the door or a letter drops through your letterbox ...
it's what everyone would dread ... a Bailiff!
You are not powerless in the law
... here is a very effective measure that you can take to protect yourself and
your family.
The following letter guideline
can be sent to the Bailiff's office and posted on the inside of the front and
back windows of your house as a reminder to the Bailiff of your rights as a
citizen in England :
NOTE : It is advisable NOT to
disclose your personal name
-
The
Occupier
Bailiff
in Charge
(Insert your address) (Insert
Bailiff’s address)
Date
: (Insert today's date)
Dear Sir or Madam
NOTICE TO CEASE AND DESIST ALL COMMUNICATION WITH OCCUPIER
The occupiers of the above residence request
that (Insert Bailiff's company name) cease and desist from
making any further communication with them via letter, e-mails, phone calls,
doorstep visits or any other method whatsoever.
Any further unwanted communication from your
company or any person/company commissioned by you via any method, including
contacting neighbours, council departments, landlords or any other third
parties with regards to releasing information pertaining to the above address
and it’s occupancy will be deemed as harassment and a breach of Data Protection
principles.
All rights to implied access to the above
residency are removed in relation to any person or employee
acting for/on behalf of your company or any person/company commissioned by
you. Any subsequent visits to this address will be considered trespass.
All telephone numbers related to the occupiers
and/or the above address are denied access and use by any person or employee
acting for/on behalf of your company or any person/company commissioned by you.
You should not respond to this letter. My
own personal copy of the receipt of postage and the signed delivery receipt
shall be considered acknowledgement of receipt and be kept on file. Any
response will be returned to your office at your own cost. Subsequent letters
will be retained relating to any charges brought against your company regarding harassment.
The occupiers are not obliged to furnish you
with any details or documentation regarding their identity or occupancy.
Nor are they obligated to provide you with any details of previous or existing
occupants, homeowners, landlords or their whereabouts.
Any further visits or attempts by any means to
extract information via any person or method sanctioned by your office or any
third parties will hold you liable
for prosecution and costs.
Should any debts be owed by a current or
previous occupier/homeowner, reasonable attempts will be made to communicate
with either the defendant and/or claimant stated on the original judgement to
have the matter settled. No communication whatsoever will be established
with any debt collectors, bailiffs or outside agencies of any kind.
From : The occupier of above
address
DISCLAIMER :
All the above information is readily available on numerous
Internet sites for public use and is intended to be a general guideline to help
individuals and their families in difficult situations. Every case is
different and all who use any of this information have the sole responsibility
to look thoroughly into their rights in the eyes of the law, update their own
findings as and when any changes are introduced, and accept that the author and
any associates/third parties will not be held liable or responsible in any way
whatsoever for any injury, loss or damage of any kind whatsoever as a result of
words or actions taken by anyone who choses to use any of this information.
You have the sole responsibility to always do your own
investigation into the law and your rights, so please do it thoroughly and
diligently.
The general Disclaimer on the Home Page applies throughout this site.
