I Have Messed Up My Life Bigtime

hypno06

hi MU, sorry to read about the Cancer. But, you know you are strong and you will get through it. I am sure loads of people reading this will be sending you positive vibes and prayers, even if they do not know what to say on a post.

I agree that you should tell the bank asap, but remember that these loans are unsecured, so whatever happens your home is not at risk and that is really really important.

Also, have a word with Macmillan or one of the other cancer charities - they are excellent at supporting people through these very difficult times, and can give advice on financial areas too. Please give them a call because they will be invaluable at this time.

xxx

beanielou

Oh messedup Im sending you a big huggle.
All you can do is tell your lenders the situation.
Are the two loans all you have?
As someone said pop up a SOA & we'll see what we can do.
Take lots of care.
Is there a Maggies Centre near to you?
Have heard that they are really helpful.

messedup_3

yes thx so much everyone....my 2 loans are my main concern and my partner v card.....but if i can get tsb on my side then if worst comes to worse i may perhaps make the other loan and c card payment ALL BEING WELL.

I wonder if tsb will have a heart...and freeze interest....and let me pay 100...they have always been ok...northern rock are not as forthcoming...
I do not want to be irrational and go bankrupt as that is like throwing towel in to my future

piglet29

hello messedup,i am so sorry to hear of your devastating loss and all the sadness and heartache you have had to endure, but you must see that it is in no way your fault that you have come to be in this situation, and by you now knowing what a mess you have got yourself into is a start on the road to recovery. you need good advice as to how to settle your debts, citizens advice bureau is a good a start as any and i wish you lots of luck, love and a big hug to make you feel better!!

messedup_3

I will def look into macmillan xx

messedup_3

please just take note of the last part of the thread...forget the rest....just from page 14 ....I am whacking my illness....please all you ladees......do that monthly check....

I will phone tsb up tmw nite I am back to work tmw until I go in hosp...I am so rundown and tired ...LOVE TO YOU ALL....LOOK AFTER YOURSELVES XXX

hypno06

messedup wrote: »

I will def look into macmillan xx

Good, they are worth their weight in gold. A bunch of angels :A

Remember, you have been through worse. And survived. Now is the time to dig deep for that strength again. you have the support of your partner, and the support of us lot on here. Your boys will be your motivation to get through this and bankruptcy will not be a requirement for you.

The worst that should happen, financially, is that you end up on a DMP. Not ideal, but in the bigger scheme of things is it the end of the world? NO, of course not!

If it helps, you could also give CCCS or Payplan or one of the others a call tomorrow - they will also be able to reassure you. But Bankruptcy is not something you should be thinking of right now, so put that thought behind you.

Stay strong xx

messedup_3

Thx so much Hypno...your posts have always been a strength to me xxx My head is dizzy with worry...but I will see what tsb have to say...And then start from there...I know I wont be upto anything soon...I

messedup_3

Thx so much Hypno...your posts have always been a strength to me xxx My head is dizzy with worry...but I will see what tsb have to say...And then start from there...I know I wont be upto anything soon...I am well cross this has happened...and my boys are my driving force.....debts were nothing in reality ...altho they are now...cos i gotta feed my boys and if my wage drops what if the bank rob off me and i cnat feed them :eek:

messedup_3

sorry must have clicked by accident....god I am dizzy with stress....countdown time now I am back to work and too tired busy and then bumphh I am in for a rough rough time...they taking all my lymph nodes out..and the whole thing...puts the fear of god up me...but for some reason I am focusing on my blinking debts...cant let the banks down