help?

RAS

jessie-jane wrote: »

Three and half years ago we were here and sold the house to release the equity and paid off MOST of the debts, we now rent what was our home and have ran up the credit cards again not through an expensive lifestle just day to day living.

jessie-jane wrote: »

We carried over approx 30000 and then put a car loan ontop of this for 11000.

You must have had a hell of a lot of debt if paying off most of it left you with £30K outstanding.

So you have racked up another £30Ks worth of debt in three years (including the car) since then?

RAS

jessie-jane wrote: »

the other option we have is my wonderful parents have offered to release my inheritance of 40,000 now,

Tell your parents that if they are wonderful, this is the last thing they should do. It prevents you and OH addressing the issue of how you have mismanaged your finances for the last decade and learning to live within your means.

Would they stuff alcohol down the throat of a alcoholic? Or drugs into the veins of an addict?

All that will hapen is that in 3 years time, you will owe another £30-40K. it just delays the light bulb moment?

LandyAndy

RAS wrote: »

You must have had a hell of a lot of debt if paying off most of it left you with £30K outstanding.

So you have racked up another £30Ks worth of debt in three years (including the car) since then?

MOST was actually half if the OPs later post is to be believed.

LandyAndy

jessie-jane wrote: »

I feel the best option is bankrupt but Oh wants to take inheritance , i feel like this is the easy option and we certainley do not deserve to have the easy option.
We have spent the money on car loans, not payed off before getting the next car so just increasing the amout we owed all the time, christmas presents, holidays in this country and things like this as far as i can see, Oh is working at the min i work part time due to having a back problem ( not entitled to any benfits) but i try and do over time when available.

You don't need me to tell you this is outrageously stupid behaviour do you?

Are you both equally to blame or is one of you the leader and the other the lead when it comes to making major purchases, you don't need and can't afford, on credit?

ETA: Looks like OH is the leader but OP bears some responsibility for not being up with what was going on.

RAS

Hi guys

Please can we remember that DFW is for support and help not for judgement.

WASHER

The thread seems to be open again...

It was the poster dfwindebt that caused the problems with his signature.

LandyAndy

RAS wrote: »

Hi guys

Please can we remember that DFW is for support and help not for judgement.

Is all well and good but the OP doesn't need a pat on the head and to be told it'll all be better in the morning.

They need a good hard shake before they take her parents money and pish it all away like they've done with the rest. That is the best help they can get right now, IMO.

LandyAndy

WASHER wrote: »

The thread seems to be open again...

It was the poster dfwindebt that caused the problems with his signature.

Made me have to retype an entire post:(:D.

fermi

LandyAndy wrote: »

Made me have to retype an entire post:(:D.

Sorry.

Just closed it for a few minutes as some imbecile was flooding the thread with idiotic posts.

LandyAndy

fermi wrote: »

Sorry.

Just closed it for a few minutes as some imbecile was flooding the thread with idiotic posts.

I survived:).