OK, I went to the hypotherapist yesterday, and we had about an hour long session where she asked me a lot of questions.
She offered me a course of treatment to find my underlying problem, it would take about 8 to 10 sessions. I declined it,as I believe I actually know where my problems stem from.
We have settled on an initial treatment on Monday next week where I will have a session to reduce my food intake, and then a session on my seasickness.
When I come back onshore after my next 28 period on the ship (11 Jan to 9th Feb) we will have the first proper gastrict band session, then I will have two more before I go offshore again, and then I final one when I come back in March.
She says I will need 4 proper sessions.
I have booked a hire car to go and see the kids. I am also going to see if I can tidy up the eldest front room so she can get her cupboards up & her wardrobes assembled.
My brother will come with me to drill some holes that need to be done quite accurately.
I am about a week away from completing the book. It is a bit waffly, but I am still happy about it.
I am looking forward to uploading it. I just wonder if anyone will buy it!
OK, I am overweight, hence BIGMAN. I am just blogging my recovery from debt laden unemployed guy, back to tax paying worker, and hopefully onto millionaire playboy author! Well, maybe not. This is about me, dull, broke, failure me. I am down, but not out, despite being broke, in debt and having been effectively out of work for two years, I am still in the game, still trying to make a success out of life.
Wednesday, 4 January 2012
Tuesday, 3 January 2012
Gastrict Band
Well, today is the day.
I am off into town for my appointment to have my hypnotic gastrict band fitted. I am also having hyprotherapy for seasickness at the same time.
I had intended to have my diabetic blood test this morning as well, but like an idiot I had a cup of coffee when I first woke up, which will distort the results. So, tomorrow I will have to go and get it done if I want the results before I sail on the 11th.
Oh, and a bit fo good news. On Friday I won Euromillions.
£2.90, but hey, its a start!
I am off into town for my appointment to have my hypnotic gastrict band fitted. I am also having hyprotherapy for seasickness at the same time.
I had intended to have my diabetic blood test this morning as well, but like an idiot I had a cup of coffee when I first woke up, which will distort the results. So, tomorrow I will have to go and get it done if I want the results before I sail on the 11th.
Oh, and a bit fo good news. On Friday I won Euromillions.
£2.90, but hey, its a start!
Monday, 2 January 2012
Art work
Today I found some of my old oil paintings. I have not painted for such a long time, I really should start again. I really enjoy it when I am doing it and have had a little success selling them.
I promised I was not going to have a new years resolution, but I am making one right here. I am going to restart painting this year.
I promised I was not going to have a new years resolution, but I am making one right here. I am going to restart painting this year.
School Reunion
I went out with some old school buddies the other night and we got to thinking that it was about time we had a school reunion again. I stuck it on facebook and we now have three people interested. Wow, so many.
We will carry on working on it!
We will carry on working on it!
Book
This whole book thing started about three or four months ago, I wanted to do an ebook on a piece of art for my brother. But now that I have spent a while writing my "test book", I am actually finding I am enjoying it.
I will have finished the book in about a week, and then I am going to up load it for the kindle. I was going to release it for several others, but decided to just release it for Kindle and if someone wants to download it & covert it to another format that is fine.
Whilst I know I am biased, I am a lot happier about releasing the book than I thought I would be, mainly because I am very pleased at how it reads. Yes, I know, I wrote it, so of course I will like it.
I am going to stick it on Amazon for £0.75p, if any one buys it, that is a plus!
I will have finished the book in about a week, and then I am going to up load it for the kindle. I was going to release it for several others, but decided to just release it for Kindle and if someone wants to download it & covert it to another format that is fine.
Whilst I know I am biased, I am a lot happier about releasing the book than I thought I would be, mainly because I am very pleased at how it reads. Yes, I know, I wrote it, so of course I will like it.
I am going to stick it on Amazon for £0.75p, if any one buys it, that is a plus!
Sunday, 1 January 2012
Debt
As I have mentioned I had a company, that company failed and I am now stuck with the debt as I was he director.
All but one of my creditors have come to an arrangement where I can pay them off with a monthly sum. Even my ex wife has come to an arrangement, and really, if she ever reads this, I thank her!
There is one creditor that has been a pain. I owe money to a bank (I will not name the bank), this bank has passed my debt onto a debt management company (I will not name this company at this time).
The last time the bank asked for a payment it was £171 a month. At the time I was not working, so all I could offer was £10 from my job seekers allowance. This was accepted. Well, I am now working.
As I am now working, I want to pay the debt off. While I was offshore the debt management company called me and were very agressive on the phone. I naturally told them to sod off, as I do not "do" agressive callers. They get hung up on.
They then wrote to me, again demanding full payment of the debt. Now, I have an agreement with the bank in question that last 6 months. This six months is not up. So, as far as I am concerned, the bank has therefore broken my arrangement. At least morally. And we know banks have no morals.
I offered to pay them £175 there and then as a monthly payment. I was told I had to pay the full amount.
Well, I don't have the full amount. So again I offer £175 a month. I am told I can only set up an arrangement if I give them a lot of financial information on my debt and identify my creditors to them. This I am not willing to do, as I do not know if I legally can identify my creditors to a third party without violating the Data Protection Act.
So, to prevent them from taking me to court, I start making payments to the bank of £175 a month. I am told I should not do this, and the financial details, including identifying my creditors is again demanded. I continue to pay the £175 a month.
Now. I still do not have the money to pay off the full amount, and even if I was taken to court, the court is only going to order me to pay what I can afford to pay (which according to the CCCS is only £132 a month). I want the debt cleared, and if I had been allowed to pay the £175 off when I first offered, the bank would have been getting the money back a good two to three months earlier than they are now.
Now, the question I want to pose is, are financial people really just dumb office workers, or have I miss understood the situation?
There is no way I can pay the full amount off. I have done a budget with the CCCS and I have estimated that I will continue to recieve the payments I am currently receiving, so according to their paperwork (CCCS) I can afford to pay £132 a month. I have calculated that I can afford a bit more and have offered £175 a month, to try and pay it off as early as I can. I have spoken to my solicitor, and to my old accountant, and they are both of the opinion that if it went to court I would be ordered to pay the £132 a week, as I clearly can not pay the full amount. So, why is this so hard for the debt recovery company to understand?
My solicitor also said that there is an outside chance that, as in effect, the debt recovery company was refusing to allow me to make payments initially, the court could order the debt written off. I think that is pretty unlikely, but not impossible.
So, I am going to put the budget page of my CCCS paperwork in an envelope and sent it to the debt recovery people and write to the bank and ask if I can revert to paying them. After all, they lent me the money to start with.
All but one of my creditors have come to an arrangement where I can pay them off with a monthly sum. Even my ex wife has come to an arrangement, and really, if she ever reads this, I thank her!
There is one creditor that has been a pain. I owe money to a bank (I will not name the bank), this bank has passed my debt onto a debt management company (I will not name this company at this time).
The last time the bank asked for a payment it was £171 a month. At the time I was not working, so all I could offer was £10 from my job seekers allowance. This was accepted. Well, I am now working.
As I am now working, I want to pay the debt off. While I was offshore the debt management company called me and were very agressive on the phone. I naturally told them to sod off, as I do not "do" agressive callers. They get hung up on.
They then wrote to me, again demanding full payment of the debt. Now, I have an agreement with the bank in question that last 6 months. This six months is not up. So, as far as I am concerned, the bank has therefore broken my arrangement. At least morally. And we know banks have no morals.
I offered to pay them £175 there and then as a monthly payment. I was told I had to pay the full amount.
Well, I don't have the full amount. So again I offer £175 a month. I am told I can only set up an arrangement if I give them a lot of financial information on my debt and identify my creditors to them. This I am not willing to do, as I do not know if I legally can identify my creditors to a third party without violating the Data Protection Act.
So, to prevent them from taking me to court, I start making payments to the bank of £175 a month. I am told I should not do this, and the financial details, including identifying my creditors is again demanded. I continue to pay the £175 a month.
Now. I still do not have the money to pay off the full amount, and even if I was taken to court, the court is only going to order me to pay what I can afford to pay (which according to the CCCS is only £132 a month). I want the debt cleared, and if I had been allowed to pay the £175 off when I first offered, the bank would have been getting the money back a good two to three months earlier than they are now.
Now, the question I want to pose is, are financial people really just dumb office workers, or have I miss understood the situation?
There is no way I can pay the full amount off. I have done a budget with the CCCS and I have estimated that I will continue to recieve the payments I am currently receiving, so according to their paperwork (CCCS) I can afford to pay £132 a month. I have calculated that I can afford a bit more and have offered £175 a month, to try and pay it off as early as I can. I have spoken to my solicitor, and to my old accountant, and they are both of the opinion that if it went to court I would be ordered to pay the £132 a week, as I clearly can not pay the full amount. So, why is this so hard for the debt recovery company to understand?
My solicitor also said that there is an outside chance that, as in effect, the debt recovery company was refusing to allow me to make payments initially, the court could order the debt written off. I think that is pretty unlikely, but not impossible.
So, I am going to put the budget page of my CCCS paperwork in an envelope and sent it to the debt recovery people and write to the bank and ask if I can revert to paying them. After all, they lent me the money to start with.
New Years Day
New year went off OK.
I did get a little anoyed yesteday. I used to work for a guy in Dubai who paid me very poorly. Now, there was some justification to this, a company I owned owed him money and I agreed to work for him to pay it off.
However, I worked for 10 months for a weaselly amount, and was told that none of the money had been deducted from what I owed.
So, I had worked for £1000 a month, in the UAE and no money was taken from my debt. So I left the company and came back to the UK, with a total of £157 in my pocket, had to pay £57.50 train ticket to get back to from Heathrow, then pay £10 for a taxi to get home.
And I still owed him all the money I ever did.
I then offered to return assets of a similar value to the money I owed, which was accepted. But when I handed them over, his accountant would not sign to say the debt was cleared. After a full and frank discussion, he agreed to the terms.
Then this guy tries to pal up to my girlfriend (who left her job to go and work for him, only to have the job offer withdrawn, leaving her unemployed) to contact me.
Now, in final violation, he has visited my home in the UK and left a note for me to contact him!
I am only glad that I was not here at home when he called. I would hate to have had to spend christmas in a police cell.
Unbelievable! Totally unbelievable.
I did get a little anoyed yesteday. I used to work for a guy in Dubai who paid me very poorly. Now, there was some justification to this, a company I owned owed him money and I agreed to work for him to pay it off.
However, I worked for 10 months for a weaselly amount, and was told that none of the money had been deducted from what I owed.
So, I had worked for £1000 a month, in the UAE and no money was taken from my debt. So I left the company and came back to the UK, with a total of £157 in my pocket, had to pay £57.50 train ticket to get back to from Heathrow, then pay £10 for a taxi to get home.
And I still owed him all the money I ever did.
I then offered to return assets of a similar value to the money I owed, which was accepted. But when I handed them over, his accountant would not sign to say the debt was cleared. After a full and frank discussion, he agreed to the terms.
Then this guy tries to pal up to my girlfriend (who left her job to go and work for him, only to have the job offer withdrawn, leaving her unemployed) to contact me.
Now, in final violation, he has visited my home in the UK and left a note for me to contact him!
I am only glad that I was not here at home when he called. I would hate to have had to spend christmas in a police cell.
Unbelievable! Totally unbelievable.
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