Please please please help! Pregnant & suicidal over debts, redundancy & illness

Katie-Kat-Kins

Definitely send the letter, it is harrassment whether you answer or not. Do that today so that you have one less worry on your plate.

There is shedloads of support on this site so keep coming back and there will be friendly folks around to talk you through every step.

Nottoobadyet

vicxzy wrote: »

Thank you so much everyone, I dont really have many friends I can talk to anymore since my Husb & I split as my close friends were mutual Fridends & disagreed with me falling pregnant only 12 months after we had split up, they said it wasnt fair on him even tho I left him because he had an affair! x

My god, with friends like those... :mad::mad:

Chin up dear, I hope you take up some of the excellent advice on this thread.

dancingfairy

From your posts it seems obvious that you did not make the decision to leave your husband ligthly and frankly your friends should not judge you anyway - they need to have walked a mile in your footsteps and noone else really knows what went on in your mariage besides you and your ex. You seriously need some new friends who are more supportive.
df

RAS

vicx

If you ask someone like CCCS or CAP to manage your debts, the creditors HAVE to deal with the debt charity and leave you alone. if they do not, they will be censured by the OFT and could lose their licence or be fined (as one was recently).

cattyboo

vicxzy wrote: »

Thank you so much everyone, I dont really have many friends I can talk to anymore since my Husb & I split as my close friends were mutual Fridends & disagreed with me falling pregnant only 12 months after we had split up, they said it wasnt fair on him even tho I left him because he had an affair! x

Pfft! :mad: Doesn't sound like they're the sort of people worth being friends with in the first place, you're better off without them. Being cheated on is horrible in the first place and the decision to leave is never easy despite what people may think, you deserve a bucket of respect for knowing you're worth more than that crap. You've already dealt with so much and it must take some strength to have got through it, I bet deep down if you think about all you've accomplished and all you've got through already you know you're a very strong and capable woman, and with that little baby to think about you already have so much to live for, so no more suicidal thoughts missy!

I'm glad you at least have a dog! Dogs are excellent listeners and give the best cuddles :grouphug: Do you have a current partner who you could talk to about all this too? Bet you're really looking forward to meeting your little baby, hope it all goes OK on 31st you could do with some good news xx

vicxzy

Thank you everyone, Barclaycard have just TEXT me now with another threat! Unbelievable x

Katie-Kat-Kins

Get that letter done!

And please ignore the threats, don't let them get you down, in fact I'd do what the others say and get a cheap PAYG sim to use as an interim measure or ask your phone company to change your number.

dancingfairy

Don't let them get to you - easier said than done I know. Frankly there is some individual who is paid to sit there on a computer and write a standard threatogram and send it out to everybody. It is not aimed at you personally - it is computer generated junk basically. The person did it will probably be wondering what to cook for their tea right now, they are doing a job and you need to accept o.k they will send me as this stuff but as soon as I can I will pluck up the courage and ring National Debtline or CCCS and deal with the debts and not worry unduly.
df

dancingfairy

Firstly you need to try and get the telephone letters sent off and possibly a new sim card.
Got anything planned for tonight - any ideas for dinner, anything to watch on the tv? I haven't looked yet - maybe treat yourself to watching a favourite dvd or something or curl up with your favourite book. Be kind to yourself - you can sort things out one step at a time - but you need to make time to look after yourself too.
df
Edit: if you fancy posting whatever threats they have come up with someone will rip it to shreds and tell you what the exact truth is and what they can and can't do.

vicxzy

Thank you to you all. Catty I do have a partner but I havent dared to tell him the extent of my debts Telling him the endless calls are sales calls though is wearing a bit thin, its so hard trying to hide this from him He is not in a financial position to help me out himself as when I go on mat leave his salary will barely cover the rent.
My Ex Husb is being a swine too, demanding I agree to dropping the price of the house, its already on for 45k less than the valuation, if we sell for any less it wont even cover the mortgage repayment never mind the estate agents fees & solicitors costs! x