Broken & Beaten by my Bank

ENDOFTHEROAD_2

Is anyone else out there as un-happy as I am???? I read the posts and admire you all for your strength and determination to change your lives. I'm afraid i'm in a very dark place just now and cannot see anyway out. I'm not going to ramble on about what's made me feel like this as most of it was in my last post 18mths ago and nothing has improved. I have been fighting my bank for 2yrs over a misold insurance policy(pre credit crunch). During my fight I have lost everything, house, car, business, self esteem, confidence, will to live etc and my marriage is in tatters due to the stress.
Every single night I pray that I don't wake in the morning, because everyday brings a another bad situation I can no longer cope with and I feel useless. I can't think straight, I forget things, I cry a lot, I suffer from bad panic attacks and I just feel so sad for my husband as he has severe pain problems and forthcoming 2nd major op
My case is with the Finacial Ombudsman, my complaint was upheld by an adjudicator in 2007 (before losing everything), but bank disagreed and decided to wait for final ombudsman desision................and i'm still waiting.
I've hit a wall now and have lost the strength to continue, I'm sick of explaining my story over and over. I know i have a good case as my story made it onto local TV prog last year and even then the bank wouldn't comment. My voice just wasn't loud enough to be heard and I can't shout any louder. Sorry for depressing you all I just can't take anymore

EssexHebridean

So sad for you that you feel like that. Please - if you can do nothing else, would you call the Samaritans and have a chat with someone? There is such desperation in your tone - and just talking it over with someone far, far removed from the situation might help you to clarify things in your head and even maybe see some options which hadn't occurred to you previously.

Someone better qualified than me will no doubt be along in a moment to offer more constructive advice - I just wanted to say to you to keep strong, and to send you some (((((((((hugs))))))))))))

poorandindenial

EOTR - I can't offer much in the way of useful advice but I didn't want to read and run. We are all here for you when you need a bit of support and while your situation is unique to you many people have had experiences of similar things that have thrown them off kilter.

Have you spoken to your GP about how you are feeling. They can and will get you some emotional support to help you through.

There is normally someone around on here 24/7 (although it vets very thin on the ground in the darkest hours of the night) so post on here and rant or whatever you need to do, whenever you need to do it. And of course there is always the Samaritans if you just want to talk it through with a human being.

I do think you are at risk of being bogged down and not being able to get going again, make sure you give yourself things to do each day that take you slightly further forwards. If that is a phone call to your case handler at the Ombudsman or checking your online banking or getting the shopping done or doing a meal plan or whatever then it doesn't matter, just try to keep on moving forwards, no matter how slowly.

Your OH is in pain and waiting for an operation, has he had his pain meds reviewed recently??? Does he know how you feel, hemight have his own pain but I am sure he would want to suport you.

laura2481

Hi, didn't want to read and run. You're story is so sad. It seems Barclays have been a nightmare (understatement!). My first thought is that you sound just as down in this post as you did back in 2007 (I looked up your old post).

I really think you need to speak to someone about how you are feeling. That you need some emotional support (and possibly medical support if you haven't gone down that route already), rather than financial advice from us. Perhaps the Samaritans as suggested above, or even the CCCS (although I'm sure you've talked to them, or folks like them)

I'm afraid your financial situation is just way over my little head so I can't give any useful advice there. I'm sorry.

So all i have to say is hold on. And find someone to talk to. Things have got to get better eventually.

hugs
Laura
xx

misspig

Please put yourself before the fight and the finances. You need to get help for yourself, your health is suffering because of circumstances outwith your control right now. You can't deal with anything when you are so stressed and it sounds like you are feeling depressed too. Please see a doctor or ask for a referral to a counsellor. Your health needs to be put first now. Your husband will thank you for it, I'm sure he'd rather have you feeling stronger than anything else. You've been through a hell of a lot more than ever now you need to look after yourself.

frugallass

ENDOFTHEROAD wrote: »

. Sorry for depressing you all I just can't take anymore

You have nothing to apologise for - your post really tugged at my heart strings and although I cannot offer any better advice than has already been posted I just wanted to offer you some support.

You really do need to see your doctor - tomorrow - they have a massive box of tissues on their desk so make sure you use some of them, let it all out and don't hold back. This will be the first step of a long journey but you will find the strength from somewhere.

Feel free to PM me x

TismE_3

I too have just read your history posting and am afraid it is far to complex for me to offer any advice,........... I do whoever offer a shoulder to lean on, you will get some great support, from your new found friends here.
post daily good and bad, YOU ARE NOT ALONE ! is my main messege.
Best wishes tisme x

GeorgeUK

Have the Ombudsman said whether they are still looking at this or have they not been in touch for a while?

I'm afraid i can't give any advice with this, but there are a few lefal beagles over on the consumeractiongroup forum that may be able to suggest a way forward with this. That is a ridiculous amount of time to have to wait.
http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

How are your other finances? Are you getting help with one of the free debt charities?

As suggested, you really should go to see the doctor and tell them what is going on and how you are feeling. Your health is the most important thing and you need to take care of you before you can tackle anything else.

Good luck with this.
George

HHH_2

You sound terribly depressed and therefore you need medical help. I can imagine you are totally exhausted from your fight. Is it worth contacting your MP (maybe you already have) and getting yourself a higher profile, I appreciate you probably feel there is nothing else you can do but if you just printed off you postings on here and sent/gave them to him/her at the mp's surgery you might get him/her to take up the fight for you. Actually having said that I am forgetting that depression drains you of the abilty to do much so please please see your gp or contact the samaritans, they really did help me when I felt I had no option but suicide. Just one phone call, you owe it to yourself, good luck

ENDOFTHEROAD_2

Just wanted to thank you all for replies, and to let you know that I feel suicidal although I wouldn't do it....I just want to be able to sleep/rest and get energy back. Seen doctor and on prozac for last 12mths, in counselling since Oct 08. Been in touch with my MP for last week. I stayed up all last night and have posted really long post on Consumer Action Forum under their Barclays Bank Board, same user name ENDOFTHEROAD if anyone wants to look. The part I find worst is the lack of support from hubby, the odd cuddle would mean the world but his pain is real bad, so spends most time out of it. I love him so I'm staying but it's sooo hard. I don't have any close friends to talk to, and although family are great they have health issues so trying not to worry them

lorac3

Hugs to you. My OH has a painful back condition and it can be hard sometimes, I am sure that you are stronger than you think you are as you have come this far. Try to keep your chin up as things DO get better. Fingers crossed for you as you try to sort out the bank mess. XX