FIRST TIME HERE[HUGH DUMP OF MY LIFE]

[adacrash]

THIS IS GREAT A SITE THAT DOES NOT BUG ME TO CALL THEM ...

I AM IN A WHOLE LOT OF TROUBLE, I AM OVER £30,000 IN DEPT WITH 5 OR MORE CARDS 3/4 MOUNTHS IN ARREARES WITH MY MORGAGE AND GAS WATER ELEC ALL BEHING. I FIND IM CHASING MY LIFE IVE NOT PAID ANY CARDS FOR 6 MONTHS. LETTERS KEEP COMING. BUT I HAVE NO MONEY.
I KNOW YOU WILL ALL LAUGH BUT IN SELF EMPLOYED PLUMBER HEATING ENGINEER BUT LIFE IS DUNG AT THE MO... WHEN I WORK AND GET PAID[YOU WILL BE SURPRISED HOW MANY PEOPLE DONT] I CAN EARN MONEY IN REAGION OF £400 A DAY...BUT LATELY IF I HAVE NO WORK..NO MONEY...ITHINK I WILL QUAILIFY FOR A IVA BUT AM NOT SHAW IF I WANT TO...I I GOT BANKRUPT I LOSE EVERYTHING..IF I IVA I STILL FIND A MIN OF £200 A MONTH A BIG TAKE ON ..IF II FAIL A PAYMENT IM KNACKERED.
A ONE OFF PAYMENT WOULD BE GOOD I WISH THERE WAS A WAY TO CALCULATE HOW MUCH THIS WOULD BE PER £. I WISH I HAD A FAIRY GOD MOTHER WHO COULD HELP ME I DONT KNOW WHERE TO START I DONT KNOW HOW MUCH DEPT IM IN,I WORK REALLY HARD BUT SEEM TO EARN NO MONEY, I DONT LIVE A HUGH SPENDING LIFE STYLE. I LIVE IN A EX COUNCIL HOUSE WISH SOME ONE WOULD JUST TAKE ALL MY TROBLES AWAY AND I WOOULD JUST PLUMB THERE HOUSE...BEEN TO CITERZEN ADVICE ..WHAT A JOKE THEY KNOW NOTHING..I LIVE IN A LITTLE TOWN ON THE COAST IN KENT,I COULD GO ON AND ON. I WAS DRIVING HOME THE OTHERDAY AND HAD TO STOP TO CRY, IM 33 MARRIED 2 KIDS AND LIFE IS NOT GOOD. I WISH THAT BLOKE FROM THE TELLY WOULD COME AND SORT OUT MY MONEY BUT I DONT WANT TO BE ON TELLY.I OPEN DOORS AND GIVE UP MY SEAT FOR OAPS DO ALL THE RIGHT THINGS IN THIS WORLD BUT SOMETHING IS PI##ING ON ME BY THE BUCKET LOAD.
MY WIFE AND KIDS MEAN THE WORLD TO ME. MY FAMILY NOW IM IN DEPT BUT NO THE POINT IM IN.I SEE MY FREINDS GOING ON THE WAY UP THE MONEY LADDEER AND ALL ASK ME TO HELP THEM DO ANYTHING FROM MOVE IN ...FIX A SHELF 4 THEM/ TO FIX THEIR PC/ CHANGE THERE INK CARTRIDE BECAUSE THEY CANT..IN THE WORDS OF MY WIFE YOU DO EVERYTHING FOR EVERYONE DO THEY DO ANYTHING FOR YOU.....ALL FOR FREE THEY ARE MY FRIENDS....

I HOPE I HAVE GONE OVER THE TOP BUT IM 99% WISHING I WASNT HERE.

ADACRASH

im fu#ked

[mish1953]

I only joined this site to-day too, and have read loads of messages, you are not alone and Im sure that you'll get loads of good advice.
Keep your chin up, I know what it feels like.
Hamish
Single dad of demented teenager

[iva_squirrel]

Dear adacrash,


Thank you very much for your post and welcome to the forum. Mish is right, you are not alone. You are with people who understand what you are going through.

You don’t have to see the whole staircase before you take the first step and I think you have just done that.

Could you please tell me who your creditors are and if you have any equity on your property? also do you have your trading accounts for the last 2-3 years?


Kind regards,

Julia Simavi

Shortlisted with special commendation for Debt Counsellor of the Year by Credit Today Awards 2007

View my profile:
http://www.supersonicsquirrel.net/julia ... rofile.asp

Visit my website:
http://www.supersonicsquirrel.net

Credit Today Awards 2007 http://www.credittoday.co.uk/awards/winners.htm

[lily]

Hello adacrash

Judt wanted to say I can identify with you so much, it feels like everything and everyone is against you at the very time you realise what a mess you are in. I can so identify with the having to pull over to cry thing, the times I just wanted to keep driving and never face up to it. However, its normal to feel alone and in utter panic and the appearance that others are doing better is quite normal when you feel so lost and hopeless. Everyone will have their own problem though and may be thinking the same about you with your lovely wife and kids. I am no fairy god mother but I found a way forward in the hopelessness just as you will. You have what is important your wife and kids, money can never buy that, just take a minuite to calm down. Work out an average yearly amount of earnings and post detail of how much you owe in unsecured debt. Then one of the experts will be able to help guide you through a possible solution. I am just another person dealing with debt but I felt just as you do in the beggining. We are here to offer support, advice and a way forward, please dont give up.

lily

[scaredkez]

just like to welcome you both to the site, you are certainly not alone, we have all felt the same as you and understand where you are coming from,its a horrible time, especially when you realise you are knee deep with out a paddle, you need to calm down as lilly says, we are all here to give you support and share our journey and knowledge with you, what i tell most posters is "you owe money not your life" you are facing up to your problem from here in, and no matter what the outcome you will be the better person for it and be released from the pain, look at many solutions and take time to work out what the best one is for you, be realistic, don't be drastic, if you are told one thing and you don't agree then don't sign to anything as you are the ones who have to live this life, remember if you want to go for an iva, it is 5 yrs and you have to work to a tight budget to make it work and you have to be prepared to do this otherwise it will fail and you will be back at square one, i wish all newbies good luck
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[MelanieGiles]

Hi - good welcoming messages from the earlier posters. What you need now is to take some professional advice about your situation, and find an insolvency practitioner who can outline the options available to you are give your advice about the advantages and disadvantages of each one. As Julia says, the first step is usually the worst and you are over that one simply by admitting you have a problem and seeking advice.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[aguise]

Hi adacrash
Just to add to what everyone else has said there is help here. Talk to a couple of companys (the ones on this site are a good start)see what your options are, read the posts you will find loads of advice.
Take a deep breath and think I am going to sort this out now, so that we have happier times ahead.
Keep posting

Ang

[adacrash]

THANKYOU FOR ALL YOUR REPLYS,I AM GOING TO SORT OUT THIS MESS. I HAVE SET OUT ALL WEEKEND TO GO THOUGH ALL MY PROBLEMS AND COME BACK WITH FIGURES AND EVERYTHING THAT I MIGHT NEED TO SHOW YOU ALL.

THANKS AGAIN

im fu#ked