The feeling of of the 'condemned man' is not a pleasant one. I know the day of judgement is upon me and the vultures are circling, but I'm still in limbo waiting for some sloppy stuff to hit the proverbial fan.
The past few days have been relatively quiet and I wasn't going to bother with an update, but today was somewhat significant in that for the first time in my adult life, I defaulted on a creditor. Yep, Wednesday 18th April 2012 will go down in the annals of my family history as the day Virgin Mobile sent me a text to say my direct debit had been returned unpaid. This is the company I alluded to in an earlier post who refused to discuss a possible solution to my impending crisis because my account was in good order and not in default.
Well Mr Branson, you got your wish. Default I have, now let's see if you would care to discuss my account.
Maybe more significantly today, I have been admonished by my wonderful wife for giving £2 to a 'Big Issue' seller. She pointed out it is highly probable that he may well be in a better financial situation than we are at present and £2 was better kept in our coffers.... Of course she was right as usual. That's why I love her so much.
At 3-15pm today I will have one of two valuations on my home.
I'm quite apprehensive about it, as it is likely to be the deciding factor on whether I file for bankruptcy or not. I suspect I'm going to be way out with my own valuation, but not in a good way. For Mr Valuer to make me happy, I'm looking at my house needing to have lost about 30% of its value since February 2008. I'm presently trying to work out my strategy for getting him to give me a written valuation at the lower end of its worth without telling him he's only there to help me decide whether to file for bankruptcy or not. Fingers crossed on that one.
My only other worry at the moment is the fact I have heard nothing from my landlord or his solicitor. I have written to the solicitor on two occasions now and haven't even had the courtesy of an acknowledgment letter, though I have proof they have received both letters. I can only guess he is taking the same stance as everyone else and won't start harassing me until I actually default on the rent.
Well that's all for now... Not an earth shatteringly exciting post, but it brings everything up to date.
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