My head is going to explode

failurefirstclass

Hi, I'm in a vast amount of debt beyond belief and all of my own doing, so I'm not expecting sympathy I just need some advice please.

I owe £45,000 on a house I just walked out of with just my clothes and a few personal possesions. (I could pay the mortgage and my bills) but for reasons I can't even understand myself, I stopped opening my bills, spent all of my savings on friends & family and trying to escape my racing mind.

I suffer from Depression (Having been hospitalised twice previously),
Bullemia, drinking until I blackout and most recently random sexual behaviour and gambling when all of the other mechanisams have failed.

I owe in the region of £65,000 and I'm still not opening any mail and living locked up and my rented house for fear of the bailiffs coming. I do work and amazingly manage to hold down a good job (I seem to become a different person at work and no-one is aware of my situation.

I have Physcological appointments each week and I still can't stop my mind from racing. I'm really at my lowest ebb and don't know what to do. I'm single with no dependants and feel so desperately lonley and most of all a failure.:(:(:(:(:(:(:(

angelicmary85

Hi Failure (you'll grow to hate that name!!)

Welcome to the boards!

Although I was sorry to read the issues you are facing, you are now amongst people that can help so chin up, your new life starts tonight!

Could you fill out one of these and post it back here?

http://www.makesenseofcards.com/soacalc.html

WRINKLES

Hi mate sorry to hear you are on such a low . what help are you getting and from who , you have come to a goo d place people on here including me have been to hell , but with help we have climbed out of the deep pit we fell into ,you can too it might not seem like that at the moment .stay with us and talk it out mate we will listen

WRINKLES

Where you gone mate i and many others are here to listen and help

failurefirstclass

Thank you for sending me the link to SOA's and thank you for your kind words and advice.

The figures are approximately rounded up.

It's seriously shocking and I don't understand why I've got my self into this position:mad:


Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1300
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 400
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 46
Gas..................................... 46
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 60
TV Licence.............................. 12
Satellite/Cable TV...................... 20
Internet Services....................... 18
Groceries etc. ......................... 200
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 160
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 19.75
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 26
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 15
Total monthly expenses.................. 1223.75

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Money owed from home...........45000.....300.......39
Credit Cards...................18500.....300.......0
utilities......................2500......200.......0
Total unsecured debts..........66000.....800.......-

Monthly Budget Summary
Total monthly income.................... 1,300
Expenses (including HP & secured debts). 1,223.75
Available for debt repayments........... 76.25
Monthly UNsecured debt repayments....... 800
Amount short for making debt repayments. -723.75
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -66,000
Net Assets.............................. -66,000

WRINKLES

Hi mate where have you gone if you want to talk im here to listen i wont judge you been there myself come on talk to me.

failurefirstclass

Thanks Wrinkles, I'm not getting any help, I did speak to the CCCS last year but never went any further than talking about things, I just shut myself off from it, bought lots of things and if they were for me i didn't ever open them I just put them all in the spare room and closed the door.

WRINKLES

IMm glad you are back you had me worried, the first thing is when you owe someone money its not you that should be worried its them. sorry i have to go now but there are lotts of good people on here who will take a look for you and give advice i will be back in the morning .keep your chin up mate.

failurefirstclass

Thank you so much Wrinkles and AngelicMary85 I can't express my thanks enough.

God Bless x

sheba

I'm also flitting out of here, away to bed but just wanted to say hi (and Bye!!), and don't worry about it all too much, you are in the right place for help if you truly are ready for it (I wasn't but am starting to finally get there methinks). Not too keen on your first name, so shall simply refer to you by your surname - FirstClass or 1sty for short. Take care 1sty, will check back tomorrow see how you are. night night

failurefirstclass

Sheba, Thank you.

I'm so pleased I've eventually plucked up the courage to come on here and am taking that first step as you've all been amazingly kind and welcoming.

I may actually get some sleep tonight as you three have renewed my faith in man kind.

Night and God Bless. x