At my wits end!!!

jillthecat

Hello everyone hoping some advice can be giving here,im getting myself in such a state,i have debts of 45,000,spoken to ccc's who went through my soa with me and sent me the pack about a month ago,i have 11 creditors mostly credit cards and a couple catalogues,letters,soa,and creditors list and prorata payments been sent all but one,4 has come backto me agreeing payments,2 has sent letters telling me to bring my payments up to date, these two were recorded delivery but no acknowledgement of the letter,etcthat was sent along with the payments,but the cheques has gone through so know the got it all,do i ring them or just keep making pro rata payments the two in mention are asda card (santander bank) and flybe card (sygma bank)im at my wits end trying to sort all this mess out, i don't know how much more i can cope with, i worry about every thing,i spend half my time in tears,i feel so suicidal most of the time i really can't see how to sort all this mess out, i have a partner (not married) and a young daughter,my partner pays all the main bills as he likes everything in his name,my name is on the morgage but he pays it i was put on there in case anything happen to him then i would at least have a roof over my head,it's all a bit complicated, i have told him of my debts but not really getting any support im not even sure we are going to survive as a couple,now im also worried that i have a natwest credit card, and my bank was natwest, which im now in the middle of changing to another bank,i paid natwest normal payments this month,although it was a stuggle, then when every thing is changed over and the account is shut then i will send them the letter etc, but now im worried sick that the morgage is with natwest what effectwill my cedit card debit have on this,does any body know? i really don't know what to do with all these creditors,how to respond to all the letters,phone calls i just get myself in such a state ,at the thought of talking to all these people the minute you phone and tell them your in alot of debt and can't make the monthly payments most have been so rude,and i just end up a wreck, i don't think i can go on a dmp as i only have 168.00 a month for all these creditors,trying hard to find more hours, my hours were reduce where i work at the moment which is why i had to finally admit to all my debt and how i struggled each month to find the payments, i am so ashamed of myself but am now trying to deal with it,sorry to go on,i have been on here once but every day is getting harder to cope,and from what i read your all supportive of each other thank you in advance

bugslet

Didn't want to read and run jillthecat. Read some of the other threads and diaries of people that have been exactly where you are now and how they have managed to get over the worst and have made serious inroads into their debt, it will help you see that you are far from being alone.

Good luck and someone with something properly useful to say will come along soon.

ladybez

First of all, welcome to the boards, you will find a lot of help and support on here!
Now, take a deep breath, make yourself a cup of tea!! It is obvious from your post how stressed and anxious you are, it might be helpful if you could put some paragraphs into your post to make it easier.
You have made a good start by contacting CCCS and offering reduced payments. Sometimes automated letters do cross with yours, other times companies do ignore your letters for a while. The important thing is to keep paying the reduced payments, at least that shows you are trying to repay the monies.
DO NOT phone any of the companies, they will try and get you to agree to things you cannot afford. Keep all communications in writing. No amount of debt is worth taking your life for and it may be worth you contacting the Samaritans. It might also be worth making an appointment to see your GP.
With regard to Nat-west, as long as your mortgage is up-to-date, I don't think that your credit card will have any effect on this.
If you are struggling with the letters you are receiving, you could try to make an appointment with the Citizens Advice Bureau or post their content on here, without any personal information and someone will be along to help you. Once again, do not speak to anyone on the phone, there is letter you can send to this effect and I'm sure someone will be along soon who can post the link (sorry complete technophobe). It might also be worth posting up a Statement of Affairs, see sticky at beginning of board, and people will be able to advise you a bit better. Remember, no company can get what you have not got!
Take care and keep posting, it really will help.
LB