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Feeling silly for worrying.
WhistleBlower
Posts: 164 Forumite
My debt (as you can probably see from my sig) is actually quite small (Heck i've seen people owe more on their gas bill alone!) but it's destroying me.
I suffer from depression, have for years, and even though this is minor really it's still dragging me back down. I'm getting help for that but that's treating the symptom, not the cause.
Anyway, my debts have come throuh my own poor money management, i have no-one else but myself to blame for this. And now i have to clear up my own mess.
My debt is in two places, £700 oweing to one of those payday advance places (i know, i know, freaking stupid of me, but it seemed like easy money and the answer to my prayers at the time) This is costing me about £100 a month to renew cheques i cna't afford to pay back. If i paid off one cheque a month i'd still have to renew the others, and that's money i don't have.
The 2nd is an HSBC overdraft to the tune of £1,700, this isn't quite so bad except thanks to an unexpected door-repair bill two months ago (got burgled) i ended up going into unauthorised overdraft, which they fined me £100 (:eek:) for, thanks to that fee i ende dup in unauthorised overdraft again this month, causing another £100 fee.
And now i'm being chased by a company who i did owe money to but paid because their computer system keeps insisting i still owe them! (My account shows as zero when an advisor has a look at it)
I'm at the end of my rope now os i just cna't escape this and i don't know what to do.
I suffer from depression, have for years, and even though this is minor really it's still dragging me back down. I'm getting help for that but that's treating the symptom, not the cause.
Anyway, my debts have come throuh my own poor money management, i have no-one else but myself to blame for this. And now i have to clear up my own mess.
My debt is in two places, £700 oweing to one of those payday advance places (i know, i know, freaking stupid of me, but it seemed like easy money and the answer to my prayers at the time) This is costing me about £100 a month to renew cheques i cna't afford to pay back. If i paid off one cheque a month i'd still have to renew the others, and that's money i don't have.
The 2nd is an HSBC overdraft to the tune of £1,700, this isn't quite so bad except thanks to an unexpected door-repair bill two months ago (got burgled) i ended up going into unauthorised overdraft, which they fined me £100 (:eek:) for, thanks to that fee i ende dup in unauthorised overdraft again this month, causing another £100 fee.
And now i'm being chased by a company who i did owe money to but paid because their computer system keeps insisting i still owe them! (My account shows as zero when an advisor has a look at it)
I'm at the end of my rope now os i just cna't escape this and i don't know what to do.
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Comments
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Hi WB
You can get some debt management help from your local CAB/ money advice
or from payplan or CCCS.
Sure someone will be along with some links soon.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
Hi there
Sorry you are having a rough time of it, contact one of the people int his link and they will be able to help you sort it all out
http://www.moneysavingexpert.com/loans/debt-help-plan#help£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0
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