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26 Oct 2008
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Quote:
Originally Posted by ukiceman
My options are one of two i think ?
I need to give you some background information first, and then I’ll tell you about the letter!
I’ve done well since February I’ve gone from a road bike to a fully prepped overlander in the form of a Yamaha TT600RE, also I’ve just about got all the stuff I need to hit the road. I’m wasn’t planning on leaving on my BIG adventure until 2011, enough time for clearing debts and saving the funds for six months on the road.
I’m in regular work at the moment and I’m crashing back at home with the parents because I had a move went wrong and I needed a bed. Living back at home is cool because I can pay big lumps of the credit cards that I used when prepping the bike.
Looking back now I wouldn’t spend half the cash I did, I put a lot of mods on that bike and if you ask me now how I’d do it next time, this would be my ideal setup:
By the lowest mile Yamaha TT600RE you can find.
Big Tank
Hand Guards
Bash Plate
Use throw over soft bags and spend the money on the trip.
The Letter
It’s from the CSA (child support agency) and it says…
Amount to be paid
Your employer should take amounts as follows.
£212.22 payable WEEKLY from 16/09/08
Now, I only get £205 in my wages each week so it’s deemed only fair that I can keep £90.50 - all amounts after this are taken and the 90.50 unpaid is rolled over, which keeps getting bigger and bigger…
I quit my job today, if they think I’m working for £18 a day, they can F  K off that’s £18 per day less some bills leaving 0.05 pence. I’d be working 8/10 days for a chocolate bar!!
My options are?
Sign my bike over to a life long friend, who would also stash all my quality bike items which is just about all I have. Then, bankrupt myself and they’ll probably still want the cash. No access to cash or cards after this option is taken, no trip.
Or
Draw money from the cards needed to fund a six month trip, buy greenbacks and euros and hit the road. Having said that if I could come up with 2k and turn that into dollars I’d have about $4K (almost) add that to the $2K I already have that’s about $6K without touching the cards. While I’m on the road use internet banking to shove money around, cards to pay cards, and with nothing going in, at some point, all the cards will be stopped and, upon return, I’ll have a big mess and a bankruptcy to deal with, BUT I’ve had my trip.
If I stay I’ll probably still bankrupt myself, still have to pay and never get a chance for years to go on a trip, 90.50 a week doesn’t do much. So, that’s just about it until my child is 16, and then they’ll probably still want the cash.
If I do disappear for 6 months, question is, which way? East is getting cold this time of year. Trans Africa maybe? Down and Back! I’d like to ride the bike home in a defiant gesture!
A lot does happen in 7 days  and in the next se7en, I need a plan.
Shaun
PS ::: Before anybody starts on the subject, I love my girl very much, I see her one week a year and try to help anyway I can. her mother left me after sleeping with the chap next door.. thanks, got a bike soon after 
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Yep, you get off on your jollies and escape your responsibility. Don't you worry. the rest of us mugs will pick up the tab.
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26 Oct 2008
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Responsibility
Sure there are loads of people ripping off the state and others avoiding their responsibilities but: Isn't there some responsibility for a female partner to remain loyal? Linzi.
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26 Oct 2008
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Quote:
Originally Posted by baluchiman
Yep, you get off on your jollies and escape your responsibility. Don't you worry. the rest of us mugs will pick up the tab.
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Poor bloke sees his kid once a year. Nothing 'jolly' about that.
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26 Oct 2008
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My now X had a kid [which I helped finance for 7 years] the father paid nothing even when he was working, a similiar situation with 2 of my friends developed and Im sure in both cases filing for bankruptcy was what stopped the problems with the CSA.
I would also like to point out that in both cases the woman did not want the money as they had moved on in their lives and us mugs[well apart from me, can u refinance a kid?] didnt pay anything more than they would have got in benefits anyway.
The CSA have their head well up their bums relationships do break down and not every guys some lunatic running around spreading his seed, IF the mother doesnt need the money or want the money they should at least respect those wishes.
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26 Oct 2008
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I can really sympathise with you as I have been in a similar situation. Being screwed over by a girl and being stuck in a world of debt with only more debt being the way out..
Well, every situation is different and I have only one piece of advice..
DONT GET YOURSELF INTO MORE SHIT AND DEBT FOR THE SAKE OF A TRIP.
Sadly for most of us, we all have to come home and being in a worse financial situation afterwards than before you go is a major depressing situation to sit in..
Find a way to save the cash up before you go. Even if they are pound notes in a shoebox !!
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Did some trips.
Rode some bikes.
Fix them for a living.
Can't say anymore.
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27 Oct 2008
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thanks ted
Quote:
Originally Posted by tedmagnum
I can really sympathise with you as I have been in a similar situation. Being screwed over by a girl and being stuck in a world of debt with only more debt being the way out..
Well, every situation is different and I have only one piece of advice..
DONT GET YOURSELF INTO MORE SHIT AND DEBT FOR THE SAKE OF A TRIP.
Sadly for most of us, we all have to come home and being in a worse financial situation afterwards than before you go is a major depressing situation to sit in..
Find a way to save the cash up before you go. Even if they are pound notes in a shoebox !!
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Thanks Ted.
Unfortunately, 3k worth of damage has already been inflicted on my credit card, with another 1k while I’m on the road. I leave on the 5th of November heading for Morocco, not sure how far down I’ll get.
Right at this moment I don’t care, I just need some time with my bike to sort my head out, and figure-out some direction for when I get back. When I get back, I’m at the same place I was 3 years ago, I’ve worked hard to have nothing except my bike and kit, and getting my debts under control.
For the record, I’m not objecting making payments for my kid, I love her to bits; she just doesn’t need £848.88 for a four week month at the age of 12. I know people with coke-habits that don’t need that much money a month!
Shaun
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26 Oct 2008
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Shut Up You ####
Quote:
Originally Posted by baluchiman
Yep, you get off on your jollies and escape your responsibility. Don't you worry. the rest of us mugs will pick up the tab.
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You should read the original f#####g post pal.
What part don’t you understand ?
A: £212.22 payable WEEKLY from 16/09/08
B: Now, I only get £205 in my wages each week so it’s deemed only fair that I can keep £90.50 - all amounts after this are taken and the 90.50 unpaid is rolled over, which keeps getting bigger and bigger…
Now, let me get this right! You’re telling me that you’d work for....
0.05 pence PER DAY? I think not!
Now, unless you’ve got something worthwhile to say, don’t push my F###ing buttons
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26 Oct 2008
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And
I’m not dodging my responsibility; I’m having a 12 week holiday, Problem with that ?
Last edited by ukiceman; 26 Oct 2008 at 22:26.
Reason: font
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26 Oct 2008
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erm get in touch with them
That figures you have quoted for weekly are the same as if someone has said you net weekly income is approx £12500 per week[maybe they put your yearly in instead], based on your weekly wage its under £30 per week maximum. Then theres backlog payments from when you split which shouldnt bring it upto that amount.
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26 Oct 2008
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possible
Quote:
Originally Posted by pictish
That figures you have quoted for weekly are the same as if someone has said you net weekly income is approx £12500 per week[maybe they put your yearly in instead], based on your weekly wage its under £30 per week maximum. Then theres backlog payments from when you split which shouldnt bring it upto that amount.
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I guess that’s possible but, a friend of mine was getting paid 400 a week and they left him with £68.50 ? So, probably not
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26 Oct 2008
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Originally Posted by baluchiman
Don't you worry. the rest of us mugs will pick up the tab.
-------------------------------------------------------------------------------------
Incorrect – the tax payer would only 'pick-up the tab' if she’s on benefits, she’s not. Living with somebody that’s doing very well, better than I
get your facts right!
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27 Oct 2008
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Quote:
Originally Posted by ukiceman
You should read the original f#####g post pal.
What part don’t you understand ?
A: £212.22 payable WEEKLY from 16/09/08
B: Now, I only get £205 in my wages each week so it’s deemed only fair that I can keep £90.50 - all amounts after this are taken and the 90.50 unpaid is rolled over, which keeps getting bigger and bigger…
Now, let me get this right! You’re telling me that you’d work for....
0.05 pence PER DAY? I think not!
Now, unless you’ve got something worthwhile to say, don’t push my F###ing buttons
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Obviously touched a raw nerve, eh? BTW, i'm not your PAL. Calm down la.
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27 Oct 2008
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Don't...
...go bankrupt, whatever you do, my parents did when I was a kid and it was the worst thing ever, and that was back in the good old days when we didn't need half the credit we do now.
Ask yourself this: What would life be like without a credit card? No cheap internet deals, no paying for things online, on the phone, whatever, everything having to be done with cash. We live in an "almost" cashless society, without the possibility of credit you're a second class citizen. I know going bankrupt is less of a stigma than it used to be, and easier to do so, but it will remain with you for a very long time, we might forget but banks have very long memories when it comes to this kind of thing (if not for where they put your savings).
So go if you want to (I know nothing about the CSA thank God, so can't comment) but don't come back to bankrupcy. Better to get a job outside of the UK and pay off what you owe than come back and go bankrupt, I'm sure there's plenty of jobs you could find. If you do though, do it legit, there's enough ex-pats working on the black in the EU to give all of us a very bad reputation, do those of us who plan to stay a favour and do it properly.
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