All out of control.........

fatbelly

You're not going to lose anything by asserting that the old debts are statute barred. It is then up to them to prove otherwise. If you sent letters acknowledging the debt but didn't make payments there's a (good) chance that there is no existing proof of your acknowledgement.

Letter at the end of this factsheet

If they can provide proof then follow RAS's advice.

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vikki400

CautiousPaul1981 wrote: »

Went to the doctor for depression 3 years ago...thought i'd kicked it...seriously considering going back. However I have came to the conclusion this is 100% MY fault, no-one elses. Ive had enough help from friends, family, and doctors in the past, but I must tackle it head on...I'm posting here to try and keep a record of it, to keep me focused. I make about £1200 a month and I need to start budgeting and living within my means, and living well. Its going to be hard, but this is the start of the rest of my life.

Don't feel you have to do this alone just to tackle it head on. I'm sure your family and friend will be a great help when it comes to keeping you off the gambling sites.

gibboelli

CautiousPaul1981 wrote: »

I will contact the National Debtline...I am going to sit tonight and go through ALL my paperwork and try and sort out just where I'm at and exact amounts.

I know about Gamblock for online gambling so Im going to try it, and Im also going to self exclude myself from my local bookmakers(who all know me by name) and the casinos in the city(where I fall into after a beer).

Went to the doctor for depression 3 years ago...thought i'd kicked it...seriously considering going back. However I have came to the conclusion this is 100% MY fault, no-one elses. Ive had enough help from friends, family, and doctors in the past, but I must tackle it head on...I'm posting here to try and keep a record of it, to keep me focused. I make about £1200 a month and I need to start budgeting and living within my means, and living well. Its going to be hard, but this is the start of the rest of my life.

Well thats great you're really taking some positive steps I think taking away all temptation as you are doing will really help you out in weaker moments, the amount of effort it will be to unbloack yourself/ argue with bookies etc to gamble will hopefully give you those precious few minutes to build your resolve again Just remember, though the debts are your fault, dont be sooo hard on yourself, be nice to yourself too and the resolve will stay

halight

Hi mate,

There are some great people on here who really know there stuff and have been through all this themselfs. The best advice i can give is do what thay say!!!!! thay will help you thay know what thay are talking about. Do what thay say are you will get to the other side od this debt burdon,
Good luck

penniesgrowintopounds

One day at a time, Paul. It might seem like an enormous task right now, but you'll soon get into the swing of things. Read through all the posts you can on here ~ the advice and support that you'll receive will be invaluable.

CautiousPaul1981

Cheers folks...thanks for all your support - I will be keeping my diary thread going more than this one, so keep a look out for it, and I want to see you all getting your debt down as much as I do!!!!!

riderross

vikki400 wrote: »

Don't feel you have to do this alone just to tackle it head on. I'm sure your family and friend will be a great help when it comes to keeping you off the gambling sites.

Paul, Could you ring up your ISP, and ask them to block internet gambling sites.

penniesgrowintopounds

Hi Paul!

Just dropping by to see how things are going for you x