Drowning In Debt, Just Want Some Reassurance

Daddyto3

pixie, i think you have no other option than to tell him. As connor said marraige is for better or worse, in richer or poorer and all that.(!)

If it came to the worse and you decided to dirvorce well in my opinion he can't have loved you that much to begin with? So sorry if thats harsh, but this is a male point of view! Sure all the ladies will slate me now!

You have the choice of carrying on as you are, or coming clean, it will take load of guts, but a problem shared is a problem halved?

bank_of_slate

Daddyto3 wrote:

If it came to the worse and you decided to dirvorce well in my opinion he can't have loved you that much to begin with? So sorry if thats harsh, but this is a male point of view! Sure all the ladies will slate me now!

Not going to slate you at all Phil, you're bang on with that!

Maybe it's make or break time pixie!

One thing is for sure, you CAN"T carry on like this, because this will ruin your marriage for certain.
...Linda xx

Daddyto3

Phil wipes sweat from brow, as he thanks Linda! x

pixie1

Does anyone know which companies press county court action rather then settle for a payment arrangment with interest frozen?

Thnaks

philb120

Sorry I can't help but I do really feel for you and hope that you are able to share with your partner what you are going through.

:grouphug:

Conor_3

Most of them will do anything they can to avoid going to county court if you go to them and offer a solution.

Once they've gone to county court, they in effect have kissed their money goodbye. Yes you'd get a county court judgment which is nothing more than saying that you owe the money but most of the time people get those and simply don't pay them.

Taking you to County Court is used as a threat. Notice how they always say at the same time as threatening you that "it may affect your ability to get credit"? That's because to most people, they're absolutely scared witless at the thought of noty being able to buy shiny stuff whenever they feel like in the future. The companies rely on that fear because they know damned well that just because they get a county court judgment against you doesn't mean that they'll get their money back. I've had a couple on the past I didn't even know about and I was never chased. Even when I had quite a few just after I left the Army, I was never chased for them.

They do bankruptcy as a last resort as they really have lost their money then.

Daddyto3

Have you decided what you are going to do pixie?

What is the total amount you owe?

Phil

bank_of_slate

Hi pixie,

Have you telephoned payplan or cccs for professional advice?
have a look on the websites
https://www.cccs.co.uk
https://www.payplan.com
...Linda xx

PS...I know that we're throwing a lot of onfo at you but we really want to help and support you.
I can't even begin to imagine what you're going through right now.

lush_walrus

Hi Pixie,

I completely agree with the others, you really really need the support of your husband on this one, its too much to carry on your own and regardless of your relationship with your husband if he is your best friend then any best friend will go crazy at first, probably threaten all types but then be for you and Im sure your husband will do the same.

Just to give you an example of how you need to trust, when I first met my BF unbeknown to me he was absolutely saddled with debt. Now I am the type of person who absolutely is scared to death of any debt what so ever, and have never had any debt so this was my worst nightmare situation. But after a couple of months it somehow all came out in conversation. As it was such a new relationship I could easily have bolted for the door and if anybody would have asked me what my reaction to something like that would have been I would have said that was what I would do. But somehow I didnt get as freaked out and we are still together now and all debts are gone.

All I'm really trying to say is that you never know how people will react, regardless of how you think they will. Sometimes people can surprise you and themselves when faced with a situation. Also two heads are better than one and even if your husband can't help with repaying the debt, he can help with supporting you and doing some leg work to getting the debts under control.

Good luxk with it all and please do consider telling your husband x

lush_walrus

Oops sorry meant to add, if your husband is already aware of your debt but not how much and how out of control it has become. You don't need to explain much more than that, just explain that debts as they are it is very hard to keep on top of trying to pay them back, every day interest is being added and even with your best efforts, which you are making its hard without some extra cash or a break from the companies you owe money to to get any further than the interest repayments.

Its a spiral you are in, but Im sure you will get on your way with a bit of help to getting out of it with a little time.