Almost maxxed out

tabby_cats_mum

You can shoot me down but I do really feel for you and I'm wondering if you are suffering from depression (which would be understandable), perhaps you should visit your doctor.

You've had some really good advice it's just not what you wanted to hear. I get the impression you've had a LBM but your OH hasn't.

Since your OH is not working perhaps they could get into Ebaying, surveys etc etc after all every penny counts.

I work with someone who is in the job by default, loads of qualifications but not qualified for this job and therefore has had to start from the bottom. They are very bitter and disruptive, unfortunately because of this they are probably going to lose their job. Please take a deep breath, try and make the best of the job you've got after all no one knows what's round the corner.

I wish you all the best, TCM

tabby_cats_mum

I'm not sure whether to laugh or cry at fireWyrm's outstanding post. Laugh because they've finally made it or cry because of the struggle they've had to get there. I'm feeling very humble after reading it.

rising_from_the_ashes

Me too! FireWyrn you are an inspiration - congratulations on getting your own place & wishing you many happy years there.

freebyfifty

FireWyrm - truly inspirational. You left me speechless, I wish you much love and luck in your new home.

desperado1973 - the people on here are only trying to offer you friendly, helpful advice. Take it or leave it, but don't insult people. Not only is it rude and disrespectful it's not going to make anything better.

fermi

pelirocco wrote: »

I have no experience of bankruptcy , but it has to be an option for you to seriously consider
http://forums.moneysavingexpert.com/forumdisplay.php?f=136


good luck in what you decide to do

I've copied the OP's 1st 3 posts with background info into a separate thread there.

https://forums.moneysavingexpert.com/discussion/3598415

rising_from_the_ashes

Fermi - is it also possible to put a link to this thread onto the new one you've created?

I would do myself but don't want to overstep the mark - however, I do feel that people over there should know that the OP has already posted over here and be able to see the advice that's been given / suggestions that have been made already (so they don't waste time suggesting the same things).

merlot123

For the second time this week a post has had me in tears on this board. Firewyrm, a truely inspiration post. It should be post of the month.

OP, I know you are desperate and you are showing that with your replies, no need to be rude to the posters on this board, they are trying to help you. Do come back and let us help you, you need to be open to suggestions, maybe you could show this thread to your OH.

flippin36

Firewyrm - you are amazing! Well done on buying your new home, I hope you'll be really happy there. Your post gave me the kick I needed to make some changes. Thank you.

loubie_lou

Firewyrm - you bought a tear to my eye.

OP - even if they can't help. Talk to Payplan and CCCS. I am with Payplan and they are great.

StepChange_Pavan

Hi Amy,

I just wanted to say that it doesn’t matter whether you are in arrears – it’s obvious that you’re struggling, and we can look at your situation as a whole to see what your options are.

I’d recommend that you get in touch with us, either by using our online Debt Remedy (http://www.cccs.co.uk/ref/drcu) or calling our free helpline on 0800 138 1111.

Kind regards,
Pavan