On verge of ending it all

LittleL_4

It may not seem like it right now but you WILL get through this.... I'm knew to this forum too and spent on my c/c when I was struck down with an illness. I TOTALLY understand but please as the others have mentioned you need to get to your doctor and contact the relevant companies for advice. I logged onto payplan today and I KNOW they can help you through this...

Read other posts, some owe as much as you if not more and they have a plan. Just like you'll have one too. And speak to your parents, ANYONE, you need to vent, get this out in the open and I promise, you'll feel 100000% times better.... PLEASE, and stay in touch all day every day. You've done the right thing today and I hope by receiving some response you're feeling slightly better, I know I did.

Sending you a big massive hug, and please act now, pick up the phone the help is out there...

Lesley
x

calleyw

hourami,

See today the 29th of May as the start of a new life for yourself.

One where you will sort out your debts. But also the first steps on the road to a new you. Starting to gain control of your life and your depression.

We all know how easy it is to say do this and do that. And the first step is always the hardest. And I will be truthful I can't imagine what it is like to owe the money you do. But think about it. It is only money.

They can't take away your dignity. Or the person you are inside.

I wish you lived close to me as I would be around in a jiffy to have a long heart to heart with you.

Being bank holiday weekend it is hard as most of the people you need to talk will not be at work.

Start to write a list of all you need to do tomorrow. Call in sick tomorrow and work your way through the list.

I wish you strength and courage to face this.

Please do let us know how you get on.


Take care.


Yours


Calley

kickingkay

400 thats a great start!,
firstly are you in a position to chat to mum and dad about this, maybe they could help by reducing teh amount you pay, i understand if you dont want to tell them but they are probably aware of alot more than you think
secondly a huge hug on its way to you, hubby and i owe approx 80k which as most know is down to my reckless spending and gambling no one judge me i did that enough for myself, i so wish no of it ever happend but it did i can not turn but the clock and neither can you but you can look forward and feel a sense of hope we are all here because of money some have it others dont you have alot to play with, ok so you owe alot but you still have alot to play with make sure you call payplan or cccs they will be very helpfull they will also give you a ref number you can pass onto all your creditors til your dmp is upi and running( thats if you decided on a dmp)anyway some dead clever person will post on here, im just letting you know dont give upi hope if i did i wouldnt be here today posting you now would i
take care keep posting and checking
klare xxx

hourami

Thanks,

I am already seeing a doctor and have been given anti-depressents but they are not working, I have changed my medication recently so will see if that helps a little.

I have explained everyting clearly to the creditors but they just don't wanna know. I get no responses from them just more threating letters.

I live in central London so that is sort of average rent for that area, if I was to move out then it would be a LOT more believe me.

My parents know I owe some money but not this sort of scale.

I am worrying myself sick, I can't sleep at night, I am always shouting at people for no reason, it is hell.

I am really scared to declare bankruptcy, with court visits and such. I have tried calling Payplan but I get really nervous on the phone and start shaking and put the phone down.

tesuhoha

Think you can actually contact Payplan online. Please someone correct me if i am wrong.

Quasar

hourami, there are people here on MSE who came in with debts of over £100,000 and in worse position than you. I'm only saying this to reassure you that your situation is not so desperate that you have to take the ultimate way out!

Of course you are worried and see no way out, but there is, and all the wonderful people on MSE are even now rallying behind you to help you. Stay here and listen to the good advice that the experienced members have for you, and you will surely come out of this dark tunnel.

Best of luck, hourami

xxxxx
Q

JailhouseBabe

Hourami, it looks as though you've already taken 2 very important big steps here.

1: You've got a written total of every penny you owe to every card/company (that's more than I've been able to get round to doing)

2: You've recognised that you have a serious problem and you've made a call for help.

I've been suffering from severe depression for 2 and a half years following a car accident. I lost my job, and there's days when I literally cannot leave the house. See your doctor, do not feel embarassed about seeking medical help. Anti-depressants CAN help you in the short term (but allow a few weeks for them to take effect). Ask about cognitive-behavioural therapy or counselling. Do whatever it takes to feel good about yourself again.

I'm tempted to agree with the bankruptcy route - it doesn't sound as if you've much to lose by taking that direction. But maybe there are others on here better qualified than me to comment.
And definitely talk to your parents. Maybe they would be willing to reduce your rent to help you through this difficult time.

Good luck x

System

hourami wrote:

Thanks,

I am already seeing a doctor and have been given anti-depressents but they are not working, I have changed my medication recently so will see if that helps a little.

I have explained everyting clearly to the creditors but they just don't wanna know. I get no responses from them just more threating letters.

I live in central London so that is sort of average rent for that area, if I was to move out then it would be a LOT more believe me.

My parents know I owe some money but not this sort of scale.

I am worrying myself sick, I can't sleep at night, I am always shouting at people for no reason, it is hell.

I am really scared to declare bankruptcy, with court visits and such. I have tried calling Payplan but I get really nervous on the phone and start shaking and put the phone down.

I understand about how you feel about speaking to someone and how ebarrassing you may feel about it, but for the sake of your health and for the people who care about you, pick up that phone and speak to them. They deal with this every day and they are absolutely great on the phone. The sooner you start, the sooner you will feel better.

System

Back on the point of talking about it, I'm in the navy and I've had to tell my bosses who I have to work with every day and I'm still there and infact it has served to stregthen my resolve. Just do it!

tesuhoha

I hope you dont mind me asking this but do you have a good relationship with your parents? Is it possible that you could confide in them and ask for their support? After their initial shock, surely they would be ready to help you? They are your parents and they would probably want to know how you are feeling rather than you do something silly. Give them a chance to help you. I am sure they would much rather that than the other thing you are talking about.