Keep Us Together

Keep Us Together

From Edwin Michiels

We are raising money to keep this family together..

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Update #1

3 months ago

Happy Eastern to you all ,

A short update regarding our situation. As some of you already know a bailiff blocked our bank account 3 weeks ago , because of this all our money is blocked. Also money where the bailiff is not entitled too. Like Child support , alimentation. Also took our both salaries completely.

We went to social services to ask for help , we all time here that we have to start a court case .. But what in the meanwhile ? Four children and no money.

We try to make an installment plan with the Bailiff , but so far no succes . We are out of money and have no idea what to do now.

We just want the money back where we are entitled too.. Because of this action we cannot pay the rent and some other bills.

This cannot be legal is it ? We both still have income - so why they took it all ? because they can ? They are not allowed ..

We really need help , so we can clear this amount and can breath again.

We are thinking to leave the country and to arrange it from there .
But that option is also taken .. We are a combined family , and the Father doesn't allow us to go abroad.

We want the children to stay here while he only see the children once a month. And i'm raising Jula already for 12 years and Maja 9 years. Should he have so much Power ? So moving abroad will only be possible if a judge allow us.

We are running out of options , a new month is gonna come soon again. Is bailiffs gonna take it all again ? Will he leave us this time our money where we are entitled too or is he gonna take it all again.

Its scary to live like this .. We will not survive this if he does this a second time.
We have a commen total income of about 2000 dollars and last month he took all of that.

Please share our story , help us spread the word against such injustice. , help us to solve this. Every donation , legal advice can help us.

More Info

Hi ,

We hope you're having a good day so far. We are reaching out to you because we need your help.

We are a family of six: Malgorzata (31) Edwin (36) living in Warsaw Poland with our children  Laura  (6 months) Anna (2) Maja (9) and Julia (11) .

3 years ago we had a dream to open a small coffee bar in Warsaw.

We wanted to be able to give our children more . As most of you know that Poland isn’t a wealthy country and the salaries are low.

To accomplish this dream we started to look how we would do this how to fund this.

We registered our company officially , and then went to the banks to request a loan.

Polish banks don’t give startup loans for companies existing less than 1-2 years depending of which bank.

As we are both full time workers we were able to take up a personal loan of 300 000 zł (70 000 euro or 79 000 US Dollars)

We found an establishment for rent and bought the inventory needed . The establishment still needed some renovations to be conform with health regulations. We found some Polish construction workers and made agreements what they had to do. We also agreed about the costs. The meaning was they would do the renovation from a-z . The workers took a long time of renovating , till suddenly halfway the renovations they requested more money – more money to finish the project they started. We disagreed on it and they left it unfinished.

 We had to find other workers to complete the project. They found out that the entire electricity was not connected as it should and almost all the work needed to be redone – Extra expenses

already 5 months in renovation – paying rent and bills – and still not able to get revenue out of it.

After 7 months the renovation was finally finished and were able to open it. The only problem we were also out of money. The renovation took all the money.. I Malgorzata  opened the coffee bar every day from 7-19h I took a my 2 months old baby with me.as Edwin still had his full time job and we couldn’t effort it that Edwin would quite his job. So I was going opening the place every day with a just born baby. Not easy I tell you but we didn’t had any other option as the renovation took so much money that weren’t able to hire an employee.. Every day is was preparing bagels , sandwiches and coffees.

We had customers but it wasn’t getting the traffic needed to cover the expenses of rent and utility bills. We struggled like this for about 2 months. and to avoid even more expenses we trowed the towel. We could effort ourselves more to hold it.

We started to look for a takeover , but there was no real interest. We talked with the owners to finish the renting contract. They agreed and we had to leave the place. As we didn’t had enough place to put all the materials we bought . We sold what we could and the rest we needed to throw away.

We still had to pay back our loan – we counted on the revenue of the business , now that we didn’t had that we still had to payback.

If we calculated our budget and noticed that there would be an issue with paying back the monthly installments.

We went to the bank and asked if they could lower the monthly  installments and increase the lending time , the bank refused . We kept depositing to the bank every month what we could effort.

It wasn’t enough for the bank and they cancelled the loan agreement and gave it to an incasso agency .person of this incasso comes at the door with a proposition to payback in installments. The original lending term was 8 years , he wanted to have it back in 1,5 year.

The monthly installment we asked to lower , became suddenly 4 times more. I couldn’t understand why they decide something like that. We just wanted to pay 2 years longer and there would never have been any issue.

We couldn’t agree with the proposal , we didn’t even had the money to do so. They kept sending letters that we had to pay this or they would take it to court.

We thought OK than ,if you don’t want to agree on our terms then let it come to court . with the hope that the judge would agree on a decent payback plan. So we had to wait for that moment.

About 1,5 year later suddenly we receive a letter – a letter from the electronic court ( yes here in Poland they file cases electronically and the verdict was he had to pay it back . I was shocked as I didn’t knew that cases where filed electronically.

We had a curtain period to appeal the case , but the problem was that we received the letter only about one month later after the verdict so it was too late to appeal it.

For those that do not know ( Polish Post is very slow ) is it the post or is it that the letter stayed to long at the office.  anyway we were too late to appeal it. So there went the chance to request a decent payback plan.

The bank assigned a debt collector – he right away executed the court order. And he blocked all.

Even money where he is not entitled to by law. He took Edwin’s entire salary , the child support of the children and my maternity leave,

According the Polish law he should leave us with the minimum salary ,child support and maternity leave.

Now we are trying to get in contact with the debt collector as he left us with nothing . I mean he literally took all the money. We call him and hear from him that the bank made a mistake. We are now 7 days further and still they didn’t settled a mistake.

They don’t care that we cannot pay rent now , or feed our children. We are powerless against such decisions and are fighting now for justice.

What should have been a dream ended up in a nightmare. We ask for your help to overcome this financial burden. And to be able to make a new fresh start.

We hope you would consider making a donation (even small amounts help!) To help us making a new start .Please feel free to share this post and encourage your own friends to help us

Thank you in advance for your generosity! 

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Edwin Michiels posted a new update:
3 months ago

Update #1

Happy Eastern to you all ,

A short update regarding our situation. As some of you already know a bailiff blocked our bank account 3 weeks ago , because of this all our money is blocked. Also money where the bailiff is not entitled too. Like Child support , alimentation. Also took our both salaries completely.

We went to social services to ask for help , we all time here that we have to start a court case .. But what in the meanwhile ? Four children and no money.

We try to make an installment plan with the Bailiff , but so far no succes . We are out of money and have no idea what to do now.

We just want the money back where we are entitled too.. Because of this action we cannot pay the rent and some other bills.

This cannot be legal is it ? We both still have income - so why they took it all ? because they can ? They are not allowed ..

We really need help , so we can clear this amount and can breath again.

We are thinking to leave the country and to arrange it from there .
But that option is also taken .. We are a combined family , and the Father doesn't allow us to go abroad.

We want the children to stay here while he only see the children once a month. And i'm raising Jula already for 12 years and Maja 9 years. Should he have so much Power ? So moving abroad will only be possible if a judge allow us.

We are running out of options , a new month is gonna come soon again. Is bailiffs gonna take it all again ? Will he leave us this time our money where we are entitled too or is he gonna take it all again.

Its scary to live like this .. We will not survive this if he does this a second time.
We have a commen total income of about 2000 dollars and last month he took all of that.

Please share our story , help us spread the word against such injustice. , help us to solve this. Every donation , legal advice can help us.

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