Rock Bottom And No Strength Left To Fight

petal9

I Just Dont Know Were To Go With This Cifas Problem,natwest Keep Telling Me As What Im Offering Is Not Enough For Them To Help,i Have To Wait For Their Credit Management Team To Get In Touch.i Feel Like My Address Is Now Blacklisted Despite Me Trying To Talk To Natwest,i Dont Want It To Affect My Husband Re Credit,jobs Etc,i Feel Like Acriminal And Absolutely Devestated At What Has Happened,i Really Cannot Take Much More,im So So Sorry To Keep Pestering Everybody But At The Moment This Site Is The Only Thing Thats Keeping Me From Doing Something Stupid,i Feel So Alone.please Help X

whitewing

Petal,

You're not alone, we're here. Hang on in there, and someone with some knowledge will be along to help out...

Kmac_Edin

Didnt want to read and run petal, but although i cant offer any great advice many people here can.

Have you done a SOA? Does your husband know of the problems you are having? xx

Horace

Hi Petal

Sorry can't help because I have no experience in these matters, just wanted you to know that you are not alone and that someone will come along in a while with more useful help than I can offer.

Little_Miss_Winner

Hi Petal,

You received some good advice yesterday...Did you speak to National Debtline???

Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
National Debtline - Website: National Debtline Telephone: 0808 808 4000
Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest
Community Legal Advice - Website: Community Legal Advice Telephone: 0845 345 4 345

BIG HUGS
x

Kudox

Hi Petal
Just adding my own good wishes to everyone elses, sorry its not the practical help you need but its good to know people are on your side.

theunknownstuntman

Hey Petal,
I'm not too good with the advice (I leave that to the experts on here) but I'm pretty big with the hugs



Hang on in there, you're not alone, there's plenty of us around. Keep your chin up sweetheart.

Stunty.

SunderlandBlackCat

Hi There

Firstly addresses can't be blacklisted, thats just a myth.

Next - if you put your details into the SOA calculator here

http://www.makesenseofcards.com/soacalc.html

It will give you a good idea of where you stand with your income/outgoings. if you post it on here we'll be able to have a look & make some suggestions.

There is a list of free debt counselling organisations that specialise in helping people in debt at http://www.moneysavingexpert.com/loans/debt-help-plan#help

RAS

petal9 wrote: »

i Feel Like My Address Is Now Blacklisted Despite Me Trying To Talk To Natwest,

i Dont Want It To Affect My Husband Re Credit,jobs Etc,

Petal

Your address is not black-listed.

Do you have any joint accounts with your husband? If not, then it has no effect on his credit rating.

And this will not affect you or your husband regarding jobs unless you try to get one of a very few regulated jobs in the financial services.

I think you need to stop ringing NAtWest and to write to them. But right now you need to talk to someone like Samaritians or a debt counselling agency so that you can understand what is happeing better.

Tomorrow we can draft a letter to NatWest telling them that you need their credit people to contact you urgently.

Does your hubby know how you feel?

petal9

Thanks Everyone For Your Kind Comments,so Sorry Im In Such A Mess And Causing Upset But Im So Grateful Your All With Me,my Hubby Works In Security And They Regularly Have Id Checks Done So Concerned This Will Affect Him,he Doesnt Know,he,s Helped Me Out A Lot Recently,he,s A Lovely Man And Helped Me Out With Some Of My Other Debts And Was Pretty Annoyed So He Cannot Know About This Or Else I Nhave Hit Rock Bottom.
I Wont Ring Natwest Again,think I Will Try And Get A Letter Together Although Unsure Of What To Say,i Think A Call To The Samaritans May Help But Had Mobile Cut Off At Mo For Not Paying Bill And Dont Want To Use House Phone As Hubby Pays Bill,i Am Depressed And Been Suffering From This Now For A Long Time Now,ive Had To Cut Hours At Work To Help As Been In A Lot Of Trouble For Being Off,hubby Pays Most Of The Bills And Like I Say Has Been So Supportive.

Sorry Again For Waffling,seems To Be All Im Doing At The Mo,im Just So Ashamed Of Everything,thankyou All So Much Xx

RAS

Petal

0800 and 0808 numbers are freephone numbers so you can ring NDL or CCCS without running up any further bill in OH name.

What we really need to know if we are to help you is how you got into the situation where you started using pay-day loans? Is it because you have had time off sick and been earning less, or spending because you were depressed?

Also do NatWest know that you have been depressed? OFT Guidelines on debt collection cover this sort of situation.