We are in serious trouble.......

QTPie

TTMCMschine wrote: »

It always makes me chuckle when I read these kind of "tree hugging" answers as one other poster put it.

Let us just hope that you live a perfect life and never suffer any financial, mental or physical problem or make any mistakes, then... Assuming your OH thinks the way you do, you will probably end up very, very, very lonely and miserable.

Life is what you make of it...

QT

TTMCMschine

Unfortunately we don't live in a perfect world, and having been on the recieving end of someones deceit in a business that we funded for them I can assure you that the noble sentiment of "helping" them does not work. All that they do is try & take the rip even more.

A damned good thrashing is what is required.

System

QTPie wrote: »

Let us just hope that you live a perfect life and never suffer any financial, mental or physical problem or make any mistakes, then... Assuming your OH thinks the way you do, you will probably end up very, very, very lonely and miserable.

Life is what you make of it...

QT

You shouldn't selectively quote like that, if you read the whole post it has a lot of sense about it.

chewmylegoff

burkey38 wrote: »

I dont have a well paid job - £1200 a month after tax - Our mortgage is £1000 a month, thanks to various re-mortgages over the years to pay off her credit card debts. We get £1000 a month in tax credits, most of it paid out again in child minding fees.

if she's not going to be working in the future as a result of this, she can look after the kids. there's a £1k saving, that's your mortgage paid, job's a good 'un.

AMILLIONDOLLARS

Another thought because your wife will no longer be earning, you might be entitled to an increase in your Tax Credit.

AMD

Loughtonlad

chewmylegoff wrote: »

if she's not going to be working in the future as a result of this, she can look after the kids. there's a £1k saving, that's your mortgage paid, job's a good 'un.

That's if she is not in jail. I am afraid 25k is a huge sum and will probally result in jail sentance , however short!

Darth_Marty

but if she doesnt work she wouldnt get that amount of tax credits.
Id say a custodial sentence isnt the way forward, going on the info supplied id say a stay at a funny farm was the more likely option.

mlz1413

OP as you get a large sum of money for the 2 boys to go to child minders and your wife is now going to find it impossible to get a job, can she stay at home with the boys?

Maybe a bit of time with family and no access to extra money, earned or otherwise, from a job will put things in perspective?

Your right that £1000 mortgage on £1200 income is impossible but you need proper legal and finanical advise, you also need to know how your wifes debt affect the family home.

I do feel very sorry for you to be put in such a position but getting a plan of action is a very good way to stay focused on the future and not wallow in past and current problems.

burkey38

I have to blame myself for some of this, I knew she was hopeless with money and did keep an eye on our bank account but I'm on the road every day at 7.00am so if credit cards were applied for , she would get to the post before me.

The first time she mis-appropriated funds she worked for door to door loan company, was doing really well at it and then lost the plot, we remortgaged to keep the Company from going to the police.

This latest time she was the manager of a well known sandwich store, same thing again, doing brilliantly for a year or so and then bang, here we go again.

She swears blind she does not gamble or do drugs and the biggest purchase I saw was a laptop, even at Christmas we didnt go daft. The laptop did ring alarm bells but I let it go(stupidly)

I know she has certain triggers that when around cash can set her off, bad memories from childhood etc but my God we all have our problems dont we?

I have Cerebral Palsy and it never stopped me or gave me an urge to steal cos I figured the world owed me a living.

I'm doing my best to reduce all our outgoings ASAP and have an advisor from our mortgage company visiting before the end of the week.

She wont qualify for Income Support or JSA as sacked but can get IB or a new benefit ESA or something.

Every day brings something new......

cranezoe

Does she get any mental health support services? this seems that it will end up being a recurring issue without addressing the reasons behind the spending or at least her recognising the early warning signs that she is not well.