Serious thread, advice needed.

[Ninja Elephant]

The CAB will sort you out mate. Working on a commission only basis benefits your employer more than you - no sales and they dont have to pay you , loads of sales and they are creaming off loads of profit for letting you do all the donkey work. If you owe your sister a sizeable wedge , paying off a little each week is better than not paying it back at all. Good luck Ninja.

Thanks mate, and you're absolutely right! I was getting £38 per customer whereas the owner was getting £70 from each. Which is quite a difference there to say the least, and the problem was aswell is that the actual product to sell (Npower in this case) isn't exactly perfect and you are reliant on them not f***ing up the change over process, because if something went wrong then I wouldn't get paid the full whack. Because you only get paid when the person you signed became a customer (3 months time), you don't get the full pay up front, which is a problem aswell. You got 70% up front and 30% in 3 months time, so of the £38 per sale you only got about £27 immediately. Which really isn't much when you think about it... But hey, it's a life experience. I was completely sold on the pyramid promotion scheme, very naive!

 

[seagullsovergrimsby]

My eldest son worked for a company who were acting on behalf of EDF. He worked about 60 hours a week for a month , knocking on doors and didn't get a single commission before jacking it in. During this time he needed spending money and ended up owing us £300 which took him about 9 months to pay it all back when he got a regular job. R M Taylor is in a slightly different situation waiting for a work experience placement with a local company where gets paid a training wage by the local council. He currently owes us £200.

 

[Ninja Elephant]

My eldest son worked for a company who were acting on behalf of EDF. He worked about 60 hours a week for a month , knocking on doors and didn't get a single commission before jacking it in. During this time he needed spending money and ended up owing us £300 which took him about 9 months to pay it all back when he got a regular job. R M Taylor is in a slightly different situation waiting for a work experience placement with a local company where gets paid a training wage by the local council. He currently owes us £200.

Ah yes, a sales and marketing company. They're a bit of a joke really, and now I know! It's just not worth doing really, you get into debt quite quickly in my experience and find yourself seriously buggered... But there you. It's a learning experience I suppose and I'll know better than to do anything like it again. Atleast not without some money in my pocket first.

 

[Freddie Goodwin.]

Your debt of £170.00 is not big, in the great scheme of things. Debt companies can send a letter at the press of a button and those letters are designed to be scarey or you wouldn't react.

You've done the right thing by gettin in touch. most firms will accept an arrangemeny, even if it seems pretty low. If your circumstances show that you have made a reasonable offer then there's little benefit in taking a case to court.

As for bailiffs, well there are rules as to what they can take. Such things as bedding, basic furniture and tools of your trade cannot be taken plus they can only take your stuff, not you sisters.

A small comfort, maybe, but there are a lot of people out there with a lot more debt than you. Try to learn the lessons of times gone by and live within your means. Probably means you won't see many Albion matches though!

 

[siclean]

I've e-mailed them asking if I can set up regular repayments, but I'm not convinced they're going to accept that if I'm honest. I'm currently applying for EVERYTHING imaginable, I applied to be a train cleaner earlier on for example.

What exactly does a CCJ entail?

train cleaner ..whats that pay,, 6 quid an hr at most i reckon

 

[Tom Hark Preston Park]

Your debt of £170.00 is not big, in the great scheme of things. Debt companies can send a letter at the press of a button and those letters are designed to be scarey or you wouldn't react.

You've done the right thing by gettin in touch. most firms will accept an arrangemeny, even if it seems pretty low. If your circumstances show that you have made a reasonable offer then there's little benefit in taking a case to court.

Good call. Its the 'scarey' factor that does your head in, especially if your not used to it. Make them an offer, keep the conversation going, send them the occasional tenner, and it will all pass off well. At the same time, as others have said, most people have somthing they can sell. Might seem like the most important stuff in the world to you, but in the end its just stuff. Go on ebay or do a stall at a car boot. News Of the World buys old mobiles for cash. There's a couple of dozen charity shops in B&H where you can buy a designer(ish) bit of clothing and sell it on at a decent profit. Got any old football programmes? Shop next door to the club shop will buy them (or again just put them for sale on the web).

£170 does seem quite a do-able total to raise on the face of it. Tho I dare say things look completely different from your end.

Good luck anyways

 

[Super Steve Earle]

Hey Ninja. Avoid the CCJ at all costs. Go see your bank & discuss overdraft before they come to you. Pay in a few quid each month to keep within the limit and they should be fine.

 

[Napier]

Thank you for your advice BP, I've agreed a repayment scheme with them and will absolutely be sticking to it. The advice about the bank account is a good one aswell to be fair, Nationwide will be wanting to get money back from me soon aswell which is fair enough, but I could do without it at the moment! I've spoken to her about it, and she's not rushing me, which is good of her considering the circumstances and she knows I'm not messing her about. I really can't afford to pay anything.
I've found that to be honest, now I'm actually trying to get out of it, it's not so bad. It still seems a little bit overwhelming at the moment, but there is light at the end of the tunnel as they say.




Thank you very much.

If you are thinking of opening another bank account, but have problems doing so due to income level or credit rating, you may be able to open a Basic Bank Account. These are fairly restrictive accounts with no overdraft or cheque book and you would need to check on the extent of cash card withdrawal and fee details.They allow direct debit payments and deposits can be made by cheque, cash - wages/benefits etc from third parties can be paid in just like a regular account. More details at Home page : FSA Money made clear
and various other sites if you "google" it. Most of the High Street banks offer them.


Hope this helps and good luck.

 

[Ninja Elephant]

I'm going to be responding to all new messages in just a moment, but before I do I'm going to be a bit cheeky (and desperate!) and post the link to my Ebay page, http://myworld.ebay.co.uk/ninja_elephant17/ I have put 30 DVDs up there for sale and if ANYONE finds anything they like, PLEASE bid or buy outright. Anyone who buys anything living in the Brighton and Hove area will have their DVD hand delivered the next day! Thank you to anyone who browses.

 

[Ninja Elephant]

Your debt of £170.00 is not big, in the great scheme of things. Debt companies can send a letter at the press of a button and those letters are designed to be scarey or you wouldn't react.

You've done the right thing by gettin in touch. most firms will accept an arrangemeny, even if it seems pretty low. If your circumstances show that you have made a reasonable offer then there's little benefit in taking a case to court.

As for bailiffs, well there are rules as to what they can take. Such things as bedding, basic furniture and tools of your trade cannot be taken plus they can only take your stuff, not you sisters.

A small comfort, maybe, but there are a lot of people out there with a lot more debt than you. Try to learn the lessons of times gone by and live within your means. Probably means you won't see many Albion matches though!

Thanks for the advice, and I very much agree they were planning on scaring me. It worked! An absolute treat. I can't pay them back too much, but they've agreed to an amount each week which is within my means, presuming I can sell my stuff off.
I know of a few people in a worse state than me, and I know it's relatively small but hey, it's happening to me! It's a learning curve, I'm devastated to have given up my season ticket, my stepdad got his in the post today and was asking if I'd got mine. Horrible, but my lessons have been learnt.

train cleaner ..whats that pay,, 6 quid an hr at most i reckon

Yep, around that. But that's fine, a wage is a wage and it'll be better than my current incomings, of 0!

Good call. Its the 'scarey' factor that does your head in, especially if your not used to it. Make them an offer, keep the conversation going, send them the occasional tenner, and it will all pass off well. At the same time, as others have said, most people have somthing they can sell. Might seem like the most important stuff in the world to you, but in the end its just stuff. Go on ebay or do a stall at a car boot. News Of the World buys old mobiles for cash. There's a couple of dozen charity shops in B&H where you can buy a designer(ish) bit of clothing and sell it on at a decent profit. Got any old football programmes? Shop next door to the club shop will buy them (or again just put them for sale on the web).

£170 does seem quite a do-able total to raise on the face of it. Tho I dare say things look completely different from your end.

Good luck anyways

Thanks, THPP. I'm trying to raise the money to manage the repayments at the moment, and it's going fairly ok at the moment.
I'm very intrigued about the old programmes idea though, I still have all of mine from the Gillingham years. Not in the greatest condition though if I'm honest, and not neccessarily all mine... But I can sell them on. Do you have any idea how much they would pay for them? I have atleast 20 I would guess. And I have LOADS from the current Withdean years. I suppose it depends on whether they have the ones in stock.

Hey Ninja. Avoid the CCJ at all costs. Go see your bank & discuss overdraft before they come to you. Pay in a few quid each month to keep within the limit and they should be fine.

Thanks for the advice, and I will certainly be avoiding the CCJ at all costs! As for the overdraft, I will be aiming to keep within the limit short term, and then try and get it down and then paid off as quickly as is possible.

 

[jordanseagull]

Pm'd

 

[Ninja Elephant]

If you are thinking of opening another bank account, but have problems doing so due to income level or credit rating, you may be able to open a Basic Bank Account. These are fairly restrictive accounts with no overdraft or cheque book and you would need to check on the extent of cash card withdrawal and fee details.They allow direct debit payments and deposits can be made by cheque, cash - wages/benefits etc from third parties can be paid in just like a regular account. More details at Home page : FSA Money made clear
and various other sites if you "google" it. Most of the High Street banks offer them.


Hope this helps and good luck.

Thanks for the advice. I'm going to be looking to set up a second bank account for the time being, and this is good advice, I really do appreciate it.

Pm'd

I really appreciate your support buddy, thank you. If you live in Brighton or Hove, you'll have it tomorrow!

 

[Chicken Runner61]

as for that, well how is the Taxpayer going to be paid back then?

I was kidding (partly)

Do you really think we will get our money back?

 

[shoreham moonraker]

ninja elephant, if you want some cash in hand work flyering and the like pm me, its not huge amounts but its a tenner here and twenty quid there.

 

[The French Mistress]

Beg a quid off everyone who's given advice and you're nearly there

 

[Garage_Doors]

Beg a quid off everyone who's given advice and you're nearly there

Did you do math's at school ?
(Clue this is post #56)

 

[sam86]

I'm going to be responding to all new messages in just a moment, but before I do I'm going to be a bit cheeky (and desperate!) and post the link to my Ebay page, http://myworld.ebay.co.uk/ninja_elephant17/ I have put 30 DVDs up there for sale and if ANYONE finds anything they like, PLEASE bid or buy outright. Anyone who buys anything living in the Brighton and Hove area will have their DVD hand delivered the next day! Thank you to anyone who browses.

Don't take this to harshly, as I'm trying to help, but, you may get some good guys on here helping you out and buying your DVDs as they know your story, but if you are wanting to make a quick few £, you need to sort out the pricing on some of your DVDs. For example:

World Trade Centre DVD -
Start bid: £5. Buy it now: £10.

You can buy it brand new on play for £4.99 (http://www.play.com/DVD/DVD/4-/3272558/World-Trade-Center/Product.html). Hitch is only £3.99 on Play. Etc.

As I said, you may get some good guys helping you out and paying a bit extra for them, but everyday eBay users won't be interested.

If your not bothered about them, and want some quick cash, put them all with start bids of £2. If they sell for that, then 30 x £2 still equals £60 for something you don't need/want.

Just advice, feel free to ignore.

 

[Ninja Elephant]

ninja elephant, if you want some cash in hand work flyering and the like pm me, its not huge amounts but its a tenner here and twenty quid there.

PM sent.

Beg a quid off everyone who's given advice and you're nearly there

Don't take this to harshly, as I'm trying to help, but, you may get some good guys on here helping you out and buying your DVDs as they know your story, but if you are wanting to make a quick few £, you need to sort out the pricing on some of your DVDs. For example:

World Trade Centre DVD -
Start bid: £5. Buy it now: £10.

You can buy it brand new on play for £4.99 (http://www.play.com/DVD/DVD/4-/3272558/World-Trade-Center/Product.html). Hitch is only £3.99 on Play. Etc.

As I said, you may get some good guys helping you out and paying a bit extra for them, but everyday eBay users won't be interested.

If your not bothered about them, and want some quick cash, put them all with start bids of £2. If they sell for that, then 30 x £2 still equals £60 for something you don't need/want.

Just advice, feel free to ignore.

It's good advice, and you're absolutely right. I was being a little bit cheeky with the first listing, hence only listing things for 3 days. I'll reasses the prices if they don't sell, but for now, I'm going for the emotional buyers rather than the logical! Which may seem a bit underhand, but it's the mark of a desperate man.

 

[Northstander]

Ring the people and explain the circumstances once you know what you can afford.

there two kinds of people with debt - "Cant Pay" or "Wont Pay", they will understand and come to an agreement!

 

[folkestonesgull]

Dude no one will ever by a second hand DVD for more than £3...

Good luck though.