I am in deep trouble

tigtag02

saffronflowers wrote: »

Tigtag - urm I think it was this statement that led me to my post not the whim to bash somebody

WTT - these are your words - and this was the second time you reduce payments.

SFx

And again:
"This thread is about what the OP can do to stop his curently managable debt spiraling out of control and not what you think of his maintenance skills!!"

saffronflowers

I am saying that not paying maintenace is not an option, and the OP did state that was an option he was considering.

I will however bow to your greater knowledge of what may or may not be posted.

Dithering_Dad

Hi, I just wanted to say that I really don't think you have been "stupid with your spending" or that this is your fault. When you had a good, regular income you made long-term investments, such as the property for you and your mum. You also probably had reasonable expectations that you would be in long-term employment. Had your problems not happened you would have been looking at a comfortable retirement with two homes paid off - hardly stupid. You also had plenty of emergency money put away to tide you over, again this is hardly the action of someone who is careless with money.

I think you should stop beating yourself up about this, it could happen to anyone and at least you put yourself in the financial position where you have time to sort it out.

I hope everything turns out OK.

fabianne

I agree with Dithering here-people tend to make life decisions on the amount they earn-and if that then goes-it leaves you in the ditch.
I just meant by my earlier post that people always say it is easier to get a job whilst still in a job.

And for the record-my ex pays under £100 per month maintenance for 2 teenagers-he has a good job but knows how to play the CSA system so I think your ex will manage just fine on the reduced figures!
You have to cut your cloth accordingly now and coming on this site is a positive step in the right direction.

Foolishwithdosh

Just joined and have quickly scanned through the threads on this subject. Although its some months since the last post, I thought this may be helpful for anyone scanning through. As far as I can make out, no-one has suggested you contact a debt advice organisation. Why not contact the CCCS? They are a charity so they DON'T CHARGE for their services, they will negotiate with your creditors on your behalf if you want them to, help you budget and give peace of mind that you're doing something constructive and positive. They help you formulate a workable debt management plan and provide loads of support. Worth a try?