depression and debt

Hello

This is my situation

Since i parted with my wife i been in debt, we used to have two wages and shared the out goings.when i moved out i had to rent privately which was double i was paying before, and we had a couple of loans which was in my name.one stage my out goings was nearly double of my income.

I contacted my creditors to explain my circumstances which were that i alway had mentaly self harm myself which it resulted in my marriage finnishing but when we parted me and my exwife found out that our daughter was sexualy abuse by a family member for a numberous years,which is in the hand of police at the moment. My daughter come to live with me and she try to commit suicide . life for us then was hell. When i find out she was abuse it brought back memories of my past when i was young i was abused from i was 4 till i run away from home i was about 17 . plus my father was a alcoholic he was very voilent, he but my brother in hospital many times.
Because all went on when we was young it resulted in me and my brother self harming ourself but my brother died age 30 through self harm. i suffering with depression due to the above matters and im seeing a psychologist and trying to be strong for my daughter,life for us is very difficult mentally and financially i find hard to keep going .My dad died in july i hated him for what he but us through then theres abit of me saying hes my dad, i dont now. because i was the only next to kin i had to pay £500 payment to the funeral people that was my rent rent money now appro £500 in rent arrears

I sent letters to my criditors mentioning the above and a letter from my doctor and psychologist plus my budget sheet. They reply is i got 6 months to pay token payment then after if i cant pay anymore there going to past debt on and charge me £250, and the other given me 3 month with intrest being stop when i phone the bank if i could have longer because i under alot of strain she said count your lucky stars that your alive. What hope ive i got,cant see any furture.

I now i owe my criditors money but this been going on for a couple years now and over that time ive had hundreds add on for late payments and intrest, in not running away from my debt but i just really finding life very hard to cope with.Some days i wake up and i just wish i never and i now anymore presurre well push me over the edge,this is not all down to with my criditors but i can only afford what i can afford and they but so much pressure what i cant handle at the moment. When i sent my letters to cooperative bank which included a copy letter from my doctor they kept on asking me for more information regarding what my doctor sent,surely abuse is abuse and depression is depression what else do there want to now they ask me a couple times now and it makes me low for days. I didnt ask for what happen to us to happen , life a !!!!!. only thing great i got is my daughter, but sometime the love i got for her is not a engough to keep me going.



Everyones got a story and thats mine theres thousands of people finding it difficult to cope and theres no protection for us.Even a couple weeks ago sainsbury bank sent me a new credit card and up my credit rate, and i cut card up ,with all the letters ive written to them, or they done is add interest on my account approx £600, threatening letters and other charges they taken no notice of the letters ive sents over the last couple years. theres no safeguards for us.