COMBAT THE 'BLUES' WITH GREEN = GO!

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 -  

http://computerstudio.eu/$on-line-and-one-to-one-lessons.php

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.