im so sick of this!!!!!!!!!

darcyvuqua

well guys im doing ok but my wife died a few years ago she was 22 i was 21 we had a 5 month old son together now four years on i cant get anything credit wise that is worth while have just been accepted for a capital one card with £100 limit is it worth it really i have cleaned my file up but i have 3 years well just under left on a ccj i hate it why do they have to stay on so long for a mistake through genuine reasons

what can i do any help please

lewt

look at what you HAVE done though mate... 3 clean years is a ruddy good feat! my suggestion would be use and pay off the card montly in full. and i wuold think if you can get a cap one card, then a mobile phone is not too far away and just do the same with that.

all the best.

dirtysexymonkey

............

savemoney

Hey Lewt aint seen you around in ages

OP sounds like you got a lot on your plate, and doing a good job. If you can do with credit you aint missing much obviously something are necessary like a mortgage but if you can hold off.

darcyvuqua

thanks lewt i was accepted for a orange contract in january and been well managed but i would love a loan to take my son away for christmas after so many bad years i would love for him to have snow at xmas he means so much to me and to grow up with no mum and still be a normal kid i would love to give him a awesome xmas he has lost alot at such an early age and wanted to show him a white xmas as this was my late wifes image just before she died

luvpump

I cant really offer any practical advice..tho i really wish i could, Just profound Sympathy..really hope things improve for you bro !

savemoney

darcyvuqua dont want to be nosey, do you work. The reason I ask is sometimes employers and unions have charities if thats the right word for people on hard times.

I know someone that had helped from PO trust and shop union and I know some over unions and employers do same (assuming you work and have union). It isnt always widely promoted. Both helped 50/50 with some help with a disabled child.

Best of luck

darcyvuqua

yes i work but dont have a union as im in the army

thanks for the replies guys i know i should just be patient but another 3 years is a long time to wait for the ccj dropping off will have to do it the real way and just save i guess!

savemoney

I wonder if any there can help with a break whether they have a welfare fund. I dont know anything about army

They do have such a thing

http://charities.everyclick.com/info.xq?id=49399&name=SUSSEX-ARMY-CADET-FORCE-WELFARE-FUND

http://www.army.mod.uk/welfare-support/family/1857.aspx

darcyvuqua

they will not fund anything like that it is classed as personnal gain!
i will get there in the end just would love it to be as soon as possible as i want him to be young enough to enjoy it and not think his dad is a old wierdo lol

ixwood

Sorry to hear about your problems. Puts things into perspective.

Blessing in disguise IMHO. What do you want debt for? Other than a mortgage, just don't bother. You'll be much better off in the long run.

Good luck!!