Go Back   Horizons Unlimited - The HUBB > Chat Forum > The HUBB PUB
The HUBB PUB Chat forum - no useful content required!

BUT the basic rules of polite and civil conduct which everyone agreed to when signing up for the HUBB, will still apply, though moderation will be a LITTLE looser than elsewhere on the HUBB.
Photo by Marc Gibaud, Clouds on Tres Cerros and Mount Fitzroy, Argentinian Patagonia

25 years of HU Events


Destination ANYWHERE...
Adventure EVERYWHERE!




Photo by Marc Gibaud,
Clouds on Tres Cerros and
Mount Fitzroy, Argentinian Patagonia



Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 26 Oct 2008
Registered Users
HUBB regular
 
Join Date: May 2007
Location: UK
Posts: 89
Quote:
Originally Posted by ukiceman View Post
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 FK 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

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.
Reply With Quote
  #2  
Old 26 Oct 2008
Gold Member
Veteran HUBBer
 
Join Date: Oct 2008
Posts: 619
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.
Reply With Quote
  #3  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Aug 2007
Location: Salisbury UK
Posts: 248
Quote:
Originally Posted by baluchiman View Post
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.
Poor bloke sees his kid once a year. Nothing 'jolly' about that.
__________________
I've a feeling I'm not in Kansas anymore.
Reply With Quote
  #4  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Oct 2007
Location: aberdeenshire scotland
Posts: 154
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.
Reply With Quote
  #5  
Old 26 Oct 2008
*Touring Ted*'s Avatar
Contributing Member
Veteran HUBBer
 
Join Date: Jul 2005
Location: Wirral, England.
Posts: 5,679
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 !!
__________________
Did some trips.
Rode some bikes.
Fix them for a living.
Can't say anymore.
Reply With Quote
  #6  
Old 27 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Wight
Posts: 198
thanks ted

Quote:
Originally Posted by tedmagnum View Post
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 !!
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
Reply With Quote
  #7  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Wight
Posts: 198
Shut Up You ####

Quote:
Originally Posted by baluchiman View Post
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.
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
Reply With Quote
  #8  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Wight
Posts: 198
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
Reply With Quote
  #9  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Oct 2007
Location: aberdeenshire scotland
Posts: 154
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.
Reply With Quote
  #10  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Wight
Posts: 198
possible

Quote:
Originally Posted by pictish View Post
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.
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
Reply With Quote
  #11  
Old 26 Oct 2008
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Wight
Posts: 198
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!
Reply With Quote
  #12  
Old 27 Oct 2008
Registered Users
HUBB regular
 
Join Date: May 2007
Location: UK
Posts: 89
Quote:
Originally Posted by ukiceman View Post
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
Obviously touched a raw nerve, eh? BTW, i'm not your PAL. Calm down la.
Reply With Quote
  #13  
Old 27 Oct 2008
Alexlebrit's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Mar 2006
Location: West London
Posts: 920
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.
__________________
Happiness has 125 cc
Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
 

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Display Options Livotlout Website Feedback 1 16 Jan 2008 21:16
tank bag options richardb Equipment Reviews 11 12 Jul 2006 21:59
Too many options! motordude Which Bike? 4 10 Apr 2006 00:28
brake pad options futronix Yamaha Tech 0 17 Mar 2006 16:12
Ferry options across the Med. davidandmo Trip Transport 3 24 May 2001 01:16

 
 

Announcements

Thinking about traveling? Not sure about the whole thing? Watch the HU Achievable Dream Video Trailers and then get ALL the information you need to get inspired and learn how to travel anywhere in the world!

Have YOU ever wondered who has ridden around the world? We did too - and now here's the list of Circumnavigators!
Check it out now
, and add your information if we didn't find you.

Next HU Eventscalendar

25 years of HU Events
Be sure to join us for this huge milestone!

ALL Dates subject to change.

2025 Confirmed Events:

Virginia: April 24-27
Queensland is back! May 2-5
Germany Summer: May 29-June 1
Ecuador June 13-15
Bulgaria Mini: June 27-29
CanWest: July 10-13
Switzerland: Aug 14-17
Romania: Aug 22-24
Austria: Sept. 11-14
California: September 18-21
France: September 19-21
Germany Autumn: Oct 30-Nov 2

Add yourself to the Updates List for each event!

Questions about an event? Ask here

See all event details

 
World's most listened to Adventure Motorbike Show!
Check the RAW segments; Grant, your HU host is on every month!
Episodes below to listen to while you, err, pretend to do something or other...

Adventurous Bikers – We've got all your Hygiene & Protection needs SORTED! Powdered Hair & Body Wash, Moisturising Cream Insect Repellent, and Moisturising Cream Sunscreen SPF50. ESSENTIAL | CONVENIENT | FUNCTIONAL.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

"Ultimate global guide for red-blooded bikers planning overseas exploration. Covers choice & preparation of best bike, shipping overseas, baggage design, riding techniques, travel health, visas, documentation, safety and useful addresses." Recommended. (Grant)



Ripcord Rescue Travel Insurance.

Led by special operations veterans, Stanford Medicine affiliated physicians, paramedics and other travel experts, Ripcord is perfect for adventure seekers, climbers, skiers, sports enthusiasts, hunters, international travelers, humanitarian efforts, expeditions and more.

Ripcord Rescue Travel Insurance™ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers and travel is covered on motorcycles of all sizes.
(ONLY US RESIDENTS and currently has a limit of 60 days.)

Ripcord Evacuation Insurance is available for ALL nationalities.


 

What others say about HU...

"This site is the BIBLE for international bike travelers." Greg, Australia

"Thank you! The web site, The travels, The insight, The inspiration, Everything, just thanks." Colin, UK

"My friend and I are planning a trip from Singapore to England... We found (the HU) site invaluable as an aid to planning and have based a lot of our purchases (bikes, riding gear, etc.) on what we have learned from this site." Phil, Australia

"I for one always had an adventurous spirit, but you and Susan lit the fire for my trip and I'll be forever grateful for what you two do to inspire others to just do it." Brent, USA

"Your website is a mecca of valuable information and the (video) series is informative, entertaining, and inspiring!" Jennifer, Canada

"Your worldwide organisation and events are the Go To places to for all serious touring and aspiring touring bikers." Trevor, South Africa

"This is the answer to all my questions." Haydn, Australia

"Keep going the excellent work you are doing for Horizons Unlimited - I love it!" Thomas, Germany

Lots more comments here!



Five books by Graham Field!

Every book a diary
Every chapter a day
Every day a journey
Refreshingly honest and compelling tales: the hights and lows of a life on the road. Solo, unsupported, budget journeys of discovery.
Authentic, engaging and evocative travel memoirs, overland, around the world and through life.
All 8 books available from the author or as eBooks and audio books



Back Road Map Books and Backroad GPS Maps for all of Canada - a must have!

New to Horizons Unlimited?

New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!

Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80G/S.

Susan and Grant Johnson Read more about Grant & Susan's story

Membership - help keep us going!

Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events all over the world with the help of volunteers; we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.

You don't have to be a Member to come to an HU meeting, access the website, or ask questions on the HUBB. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.




All times are GMT +1. The time now is 10:07.