Penny_Less
Registered User
- Messages
- 15
Hello, I just registered as I'd like some advice on debt and coping with it.
I had a great job, now I don't. I've also discovered I have a long term progressive illness. The stress of all the debt I have is killing me. There are times where I feel like the only way out of this is to do something silly, which I have attempted numerous times over the last few months. I think I have a handle on this now though.
I have my mortgage (but they are being brilliant with me).
I have a car on finance, but I live very very rural with no transport links so I've been reluctant to give this back. This debt has now been passed to collectors too.
I have an overdraft in my old bank account for 10k
I have a credit card debt that was passed to a collector and then passed to a solicitor for 11k. They sent me a letter to say a judgement had been passed, and they were bringing me to court to talk about payments.
My ESB bill is in excess of 2k
I can't heat my house because I couldn't pay the last batch of oil.
I was talking to MABS by phone a few months back and I wrote to my car lender and mortgage lender. Mortgage gave me 6 months off and the car said they would get back to me. They never did, but sent the debt to the collectors.
I get letters every day, and as much as I know I should get in to communication, I burn them.
I don't even know what I hope to gain by posting, but I just needed to offload. I can't talk to my parents about it, as they are in no position to help and it would just stress them out completely.
The social welfare I get every week is much appreciated, however it doesn't leave a lot left over to make offers of payments.
I feel absolutely lost and I don't know what to do. I hide in my house all of the time and avoid anything from the postman you might have to sign for. I don't feel suicidal now, but I really can't see any other way.
I had a great job, now I don't. I've also discovered I have a long term progressive illness. The stress of all the debt I have is killing me. There are times where I feel like the only way out of this is to do something silly, which I have attempted numerous times over the last few months. I think I have a handle on this now though.
I have my mortgage (but they are being brilliant with me).
I have a car on finance, but I live very very rural with no transport links so I've been reluctant to give this back. This debt has now been passed to collectors too.
I have an overdraft in my old bank account for 10k
I have a credit card debt that was passed to a collector and then passed to a solicitor for 11k. They sent me a letter to say a judgement had been passed, and they were bringing me to court to talk about payments.
My ESB bill is in excess of 2k
I can't heat my house because I couldn't pay the last batch of oil.
I was talking to MABS by phone a few months back and I wrote to my car lender and mortgage lender. Mortgage gave me 6 months off and the car said they would get back to me. They never did, but sent the debt to the collectors.
I get letters every day, and as much as I know I should get in to communication, I burn them.
I don't even know what I hope to gain by posting, but I just needed to offload. I can't talk to my parents about it, as they are in no position to help and it would just stress them out completely.
The social welfare I get every week is much appreciated, however it doesn't leave a lot left over to make offers of payments.
I feel absolutely lost and I don't know what to do. I hide in my house all of the time and avoid anything from the postman you might have to sign for. I don't feel suicidal now, but I really can't see any other way.