not really coping anymore

lynzpower

Annie,
Just wanted to add to what chev has said, give CCCS or PAyplan a ring, sounds like the best course of action

Tashja

Annie

I can't add much more to previous posts but I can send you big ((hugs)) and I really hope things pick upfor you soon.

Did you see the earlier post about claiming back you bank charges and CC charges ?? If not visit consumeractiongroup.co.uk and they should be able to help you.

Also don't know if this helps but you could join a site like Pigsback which you can save some points on (without spending) and you can use these points to treat yourself and OH (a £10 boots voucher or Beefeater voucher can do wonders !!). There is a link to pigsback in the freebie section.

Good luck and I really hope things pick up for you and OH soon.

T xx

Emmzi

Annie,

just a hug from me. Sounds like you need some help sleeping, please visit doc and take their advice.

XX

summerday

Hi Annie,

Firstly big hugs.

I really sympathise what you're going through, when you've got health issues and money worries to deal with it can be so hard to deal with stupid, insensitive idiots who try to get a kick from putting you down, and its easy to get upset when normally you'd give back as good as you get!

Please bear with it hun, this is a really bad time but keep focused that things WILL get better and one day this will all be a bad memory. Tell your doc how bad you are feeling and troubles sleeping, you may need something to help you through this.

Please don't feel you need to apologise, everyone needs friends and support in hard times, and as you can see from the number of replied people are more than willing to support you. I echo what others say about finding out all the benefits you are entitled to, and claim them. Maybe you could see if there is an adults Basic Skills course in your area- there is in my town, and they pay teachers to teach a few hours a week of basic maths and English, maybe your OH could do this.

Keep posting on here and remember you're not alone, you've got all of us,
Sarah xx

in*the*red_6

Annie

Don't really know what to say but your post has made me feel very sad for you - particularly the nasty woman about the paper round. Just remember times are hard for you at the moment but you are a GOOD person, just trying your hardest to keep the wolves from your door. Things will improve for you, she is stuck with being a miserable old cow for the rest of her life.

Take care,

ITR x

mm2000

Hi, I know how it feels to have everything going against you, seems to be getting like that for me again at the moment. Keep your chin up, easier said than done I know but please try.
As far as your skin condition is concerned, you may well have psoriosis ( I think that is spelt right) this is a stress related complaint and I'm a sufferer too. I currently have patches just about everywhere. If the sun should come out where you are get yourself out in it and get the areas of skin exposed to the sun, it certainly helps mine, some patches go altogether and others do subside to a degree.
Try rubbing banana skins into the affected areas too, this can also help.
Dust mites tend to feed on these patches of skin and can make them worse, hoover your bed regularly.
There is a lotion you can buy from most chemists caled Exorex which is good for psoriosis, but it does cost about £15.00 for a small bottle and stinks of creosote.
I know when everything is stacking up against you you find it hard to feel postitive. I really do hope things will improve for you and your husband.

jet77

:grouphug: I also am suffering from this hairloss thing and the doctor has prescribed some Betnovate - only started using it yesterday so I will post again nxt wk and let u know if it's working. I was refered to a skin specialist last year - this was when my scalp was just funny and my hair hadn't started dropping out (it's now quite visible), and he told me that it was a form of eczema that often occurs in pubic hair (I haven't got any there) and asked me to strip off for an examination - but he was really creepy so I ran as fast as I could.

On the money front :eek: , I second the advice to ring CCCS. I have contacted them for my friend and my mother in law who have asked me to sort out their debts. They send out a pack with various info and templates. They provide you with a formula to calculate a token payment for each debt. You must include every last debt you have when working out your token payments, because if a creditor takes legal action against you and you missed them off your token payment, it will be judged that you will have to repay the outstanding amount in full.:mad: The repayments that you are left to make each month should be about 10% of those you are currently required to make and the interest should be held off the account aswell.

On the teaching front: My Mum's a teacher (despite having been due to retire 2 yrs ago and not being able to give it up!!). She used to make a bit extra on the side by doing private tutoring (mainly around the build up to exams though so demand may be cooling down now. She also used to suffer from ME (also know as yuppy flu which is a totally incorrect and insensitive term) and used to tutor pupils who were unable to go in to school as they were too ill. I think that this may have been government funded but am not entirely sure - I will try to find out for you and post again.

I don't know if it's been mentioned in the other replies, but have you thought about claiming back any charges that the bank have made to any of your accounts/debts? You are legally entitled to this money back and should following the links on this site to get you started. I am currently in the middle of taking LloydsTSB for £448 + 8% interest + £60 court costs - they have until 6/06/06 to enter a defence and have just posted the prelim letter to NatWest for £914. You should visit the Consumer Action Group website and look at all the threads and useful info.

Anyway you have your head screwed on and have been doing all the right things. You are only human and not superwoman. You can only do the best you can and it sounds like you've been doing that and 100% more. We are all here for you.

urban_spirit

Hi Anniestar, me again-more awake.

Your hubby decided to go to the job interview despite you asking him was it wise as he was so poorly. That was his choice - you didn't let him go as he said. He's feeling the pressure too, and that's probably why he barked at you. It can be more difficult to find a full-time job when you have or had health problems (i'm in the same position) - but not impossible. Tell hubby to keep trying and he will find a reasonable and sympathetic employer out there. Is his health problem covered by the Disability Discrimination Act? If so, there are specific agencies that will help him find a job, as they recognise how much harder it is to get/keep employment.

Keep ringing the Hospital to get a cancellation so you're appointment can be brought forward. They do get cancellations so try ringing maybe once a week, and let the Hosp. know you want any cancellation as your condition is getting worse.

The nasty old boot that gave you a hard time is obviously queen of her world and is being a cow 'cos she's not getting her own way. She doesn't know your circumstances yet she's voicing her opinion when nobody asked her for it and, doesn't know the full picture to form a balanced opinion anyway. We have adult 'paper boys' here and he's a really nice guy, no-one thinks twice about his age. If her son wants a paper round, no-one's stopping him getting a different one-he doesn't need yours. Her words are out of spite and should be ignored but I know thats really difficult to do at the moment.

Incidentally, arrears departments are set up to 'bully' as much money from you as they can (we've got one in work). Not all staff are the same, but as in my prevoius post a little power goes to some heads. They'd heard you upset and unfortunately you were 'easy prey' to them-they wouldn't have spoken to a growling, short-tempered person (or one that knows their rights inside out) in the same way.

You can't make the hand your hubbys been dealt in life better, but you can support him and make good choices with him so this horrible place you are both in will pass to happier times as quickly and as painlessly as is possible. Part of supporting him/making choices is looking after yourself so you're well enough to do that. I totally agree with chevalier that he can see depression through your posts - feels like you're in a 50 foot hole thats being filled in on top of you - please talk to your Doctor about how you feel,with his help you will feel the sunshine again.



If you didn't deserve us we wouldn't be here. But we are, and we're not going anywhere. That's how much you deserve us. Please do take advice from posts here, they're posted to help you and hubby. Please don't do nothing, things will get worse. Go through things with C.A.B., CCCS, Payplan or any others listed. Write them down and have a think and chat with hubby. These charities/organisations are on OUR side, and are here to help us. I think you'll feel more like doing this after you've seen your Doc.

God bless Anniestar, thinking of you. We're always here :happylove

In_Search_Of_Me

Hope you're feeling ok? Read up on last posts. As with others sounds as if you could be suffering from a bit of depression. There is absolutely no shame in this & agree with other posters that you need to go back & see your GP & see if you can get some help. Please ring CCCS/payplan when you feel able...much better to get some support & good advice than battle on alone & you sound as if its all getting too much for you which again is nothing to be ashamed of..big hugs & let us know if we can help...

LookingAhead

I'm so sorry AnnieStar that things are so tough at the moment.
Please keep coming back here to tell us how you are feeling & to get soem moral support.

Please don't let that ignorant, miserable and franky stupid woman on your paper round get to you. She knows nothing of your situation and if she did she would - quite rightly - feel ashamed of herself.

Be proud of all you are doing. It's a long old slog granted, but you are not giving up you are doing it.

Massive hugs and support going out to you - and I also think you should go back to your GP and also get more help whenever you can. Take whatever help is rightfully yours to take. Just think, one day you will be able to pass on the same advice to someone else.

(((((((((((((((((((((((HUG)))))))))))))))))))))))))))