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    End of the road
    • #1
    • 21st Nov 12, 8:10 PM
    End of the road 21st Nov 12 at 8:10 PM
    Really don't know where to go with this.

    Basically as it stands I think I have about 12k worth of debts. Probably about 8 creditors. I got made redundant about 3 years ago and was making token payments which stopped.

    Now as its stands I don't know who I owe money to. I get letters upon letters from debt collectors asking for money for amounts I can't remember from accounts I've forgotten about.

    I'm back earning a wage, and spending is out of control. I pick up abut 1200 a month. Live at home paying 100 board. Car costs less than 100 a month. Don't really have allot of other out goings but have no discipline over spending.

    I'm a driver and when I'm at work I eat junk for breakfast and dinner weekend goes on beer and takeaways.

    I'm 30 next year and have this mounting of debt and nobody will touch me. Can't even get a phone contract.

    I really need to learn to budget, make meals for work and not spend a 10er every day in Tesco.

    The only bank account I can get is a Lloyd tsb basic account which I can only use their own cash machines.

    It's really getting me down. I've visited the doctors and they put me on anti depressants. I'm really at rock bottom.

    I don't know how to get out this mess, or if I have the energy
    Watch this space.... Will update soon!
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