I Have Messed Up My Life Bigtime

messedup_3

Thankyou so much hypno....you are extremely thoughtful...I thought people may have forgotten me...or that I had dissappeared....I have been really struggling all year I guess with the thought of the Odrafts being recalled in August...bin like a timebomb........

I will be on this site everyday as ever.....and I will certainly let you know how I am getting on with the TSB....

I am gagging for my breather from this slightly.....and then I will be stronger and in a better position xxx

messedup_3

I would welcome any address I can complain to....my fear is that I will become despondent...with the complaint...but it is necessary if not to get it out of my system.......... I am a very pensive person...

tealady

I would complain BIG TIME to the bank, get support from a professional if you can (I find having my friendly MP send letters to the big organizations works wonders!). Keep posting, we are all here to support you and give yourself a big hug from us all every day.

james32_uk

If you want to overpay then check their Ts & Cs about overpayment penalties. Make sure you're not taking payment protection. Don't get anymore credit. (dont think you'll be doing that last one )

brainfreeze

Hi Messedup

Just caught your thread and read (some of) it...will work through it all tomorrow when I am not so tired. However, I am so glad you are more positive now than the first few posts...what a difference a few months make. Good for you on perservering.

One question...the loan your bank has offered you...is it secured on your home? I just wonder whether, if it is, you could get a better rate or perhaps push for an unsecured loan at that rate. Just something to think about - but I do understand why, for you, this is a positive option.

messedup_3

Hi

It is unsecured, I do not have a mortgage at present. They did ask if I would like to put it in a mortgage.

messedup_3

Do you think it is an ok rate, bearing in mind my northern rock is 9.9

my total debt repayments for 9 yrs pcm would be 130 northern rock and 348 pcm lloyds.... I will of course make overpayments X

messedup_3

I am not taking payment protection and the overpayment will reduce the length of the loan not the repayment...so I may even pack the overpayments away in a saver....if I sat down to think about how reckless I have been right down to the last bean I would be broken up....onwards and upwards........knowing my luck something else will fly at me ....

I am waiting for the paperwork in the post.....I still see myself as lucky and the bank have been good although they just want their money back obviously....

messedup_3

and BTW ....... I do hope my post helps others and warns of the spiral of destruction started by one dark moment ......... I exhausted everything...I am extremely lucky to have the strength and see the light.

God Bless you all xx

Mrs_Dawn

Well it seems like you're heading in the right direction now, so heads up.
:j Big hugs from everyone.