Wishing I could just run away

Lexi321

I have been really really stupid. A couple of months back I let someone talk me into making some very stupid mistakes when I was in a vunrable time and now I've the consequences.

Basically someone coerced/half blackmailed/half I don't know what me into taking out contracts for phones/an xbox told me he'd sort it out, and took the things.

Now I have the contracts, and nothing. He can't really help me out as he's no money, so even if I got as angry with him as I could. There's not much point. And at the end of the day I was the stupid one to agree to it.

Now I have debts, and I am getting letters and phonecalls. I don't know where to turn. I am making an appointment with the cab today but don't even know if this is the right thing to do.

I know some people might not agree with this, but I really don't want my mum to find out about it. And I don't know how she won't. But I can't let her, because it'd break her heart how stupid her daughter had been. Problem is I live with her.

I don't know what I'm writing all this for. But I want to be free from debt now. I want it all to go, I don't want letters, I don't want the same number ringing me all day.

**Amy**

Hi Lexi

Im so sorry this has happened to you. I would say if the person still has the xbox and phones that you take them back and try and sell them. If he hasnt then im not sure what to say about him but I think going to see the CAB will help.

Have you posted up an soa (statement of affairs)? How much are the debts for? Can you cancel the phone contracts or at least put a bar on them?

xxx

Lexi321

He has taken the things and sold them.
The debts probably total about 5 grand. But now I'm been threatened with legal fees etc. I havn't even began to look at paying it back right now, so don't want to think about soa right this moment

**Amy**

I can understand about the SOA so thats ok.

Can i ask if you have cancelled the mobile phone contracts? Or at least barred them?

I hope you get some help at CAB, and also they can probably help with what you need to do regarding contacting the debt collectors etc.

I know this probably doesnt help, but it will be ok.

x

Juneno

Hi Lexi,
Why don't you want your mum to find out? Will she go mad at you?

Or is it just that you don't want her to find out how you've been manipulated and are embarrassed? If so, then believe me, she will soon see past that and begin to help you.

I agree with Amy - take the phones and xbox back and sell or return them. Contact the phone companies and explain and see if they can help at all.

But really, consider telling your mum. We all make daft mistakes in life and your mum will have made lots herself! She'll understand more than you expect, I imagine! Remember, a problem shared is definitely a problem halved!
You've already shared it by coming here and others will be along soon woth better advice but post your SOA and let the guys on here have a look. They're great at gleaning a few extra quid here and there!
Good luck!
June x

Oops - just read he's sold them! The soa is still a good thing when you are ready. No-one will judge you on here.

Lexi321

I can't face speaking to anyone. I can't bring myself to do it. But the phones are all cancelled because I havn't paid them

Lexi321

My mums having financial problems of her own. It's partly that she'd be angry, she'd probably want to throw me out. She'd then probably want to kill the guy concerned. It'd just be simplier if she didn't know.

tesuhoha

I know that you think your mum will be heartbroken but I think that she would much rather know what's going on than to be kept in the dark about this. If you tell your mum she might go a bit mad at you at first but if she's any kind of a decent mum she will help you sort this out.

**Amy**

Lexi321 wrote: »

I can't face speaking to anyone. I can't bring myself to do it. But the phones are all cancelled because I havn't paid them

Lexi i know you feel down about all of this, but just think that you are talking about it on here, so thats the first step.

I know you want to run away and hide, but it will get worse if you ignore it (i know deep down you know this). xx

As Juneno said, we all make silly mistakes. I have made ones similar to you regarding other people and money/debt, and yes its embaressing, but whats done is done. You have learnt from it, and now its time to sort it out.

Its good that the phones have been canelled, so thats a positive. I would wait until after you have spoken to the CAB before speaking to the DCAs etc. but im sure they, and the fab people on here, will be able to offer you some great support and help.

xxx

OberonSH

Your name's on them, can you contact the police and claim them as stolen?

tesuhoha

Okay, I just cross posted. I think you should go to some kind of debt management company and get some advice from them. They might be able to hold off all the people who are ringing you and writing to you.