I know this can't be solved I just need support

headachesrus

Your mother has been complicit in this by getting the cards for you in her name to begin with, surely this is fraudulent.

Does your mother have an income? Does she have savings?

I'm wondering whether you could write, in your mother's name, to each of the credit card companies, giving them permission to speak to you, and getting your mother to sign them, you could then speak to the companies, explain that your mother is elderly and without sufficient income to service the payments properly, but that you are trying to clear them for her. I appreciate that it will take some input from her to get this set up, but as I said before, she has been complicit in this in the first place, I love my children dearly but would never ever put them, or me, in this position.

MrsTinks

headachesrus wrote: »

Your mother has been complicit in this by getting the cards for you in her name to begin with, surely this is fraudulent.

Does your mother have an income? Does she have savings?

I'm wondering whether you could write, in your mother's name, to each of the credit card companies, giving them permission to speak to you, and getting your mother to sign them, you could then speak to the companies, explain that your mother is elderly and without sufficient income to service the payments properly, but that you are trying to clear them for her. I appreciate that it will take some input from her to get this set up, but as I said before, she has been complicit in this in the first place, I love my children dearly but would never ever put them, or me, in this position.

Fraud would be to apply for a card using someone elses signature - getting a card and letting someone else use it is just... well silly in my view. The debt legally will always be yours, unless they can prove a written intent to repay and want to pursue it through court and a CCJ...
Contacting the CC companies "in the mothers name" unless with the agreement and genuine signature of the mother WOULD be fraud... OP definitely do NOT do this.

singlef

After the advice I received last night about getting in contact with CAP I have phoned them and they do not have a support worker that covers my area so they can not offer me any help. They suggested I call citizens advice, I feel like I am going round in circles and its so frustrating as I do want to solve this mess maybe its time to stop thinking about others but do what is right for me! You see my way of thinking is I hurt people no matter what I do so is this worth all the agony...............

Sue-UU

PLEASE singlef, do take note of all that MrsTine and headachesrus have said, it's nothing more than being truthful as well as blunt and to the point.

Someone has to stand up for YOU and right now it's yourself and your Mother that can do that best. I could never leave my youngsters in this sort of mess, but then I wouldn't allow them to get there in the first place!

It may already have been said, but is your Aunt your Mother's or your dad's Sister??

Please help yourself out of this!

Love and hugs, Sue x

singlef

LandyAndy wrote: »

:beer: MrsT.

I did all that and it comes up with the same message!

Sue-UU

singlef wrote: »

maybe its time to stop thinking about others but do what is right for me! You see my way of thinking is I hurt people no matter what I do so is this worth all the agony...............

Absolutely right, singlef!! You may appear to hurt others temporarily while you sort yourself out, but if they've an ounce of compassion in them at all, they'll understand - if not, well what more can be said!!

Sue x

singlef

headachesrus wrote: »

Your mother has been complicit in this by getting the cards for you in her name to begin with, surely this is fraudulent.

Does your mother have an income? Does she have savings?

I'm wondering whether you could write, in your mother's name, to each of the credit card companies, giving them permission to speak to you, and getting your mother to sign them, you could then speak to the companies, explain that your mother is elderly and without sufficient income to service the payments properly, but that you are trying to clear them for her. I appreciate that it will take some input from her to get this set up, but as I said before, she has been complicit in this in the first place, I love my children dearly but would never ever put them, or me, in this position.

Like I have said I have tried everything, she will not agree to anything. When the cards were cut up I returned them too her and she was quite angry that my friend had cut them up and had made me face up to the facts, i do believe she enjoys watching me suffer. Before I had my Aunt I was doing ok in and she hated it. Like I said in another post she is a bitter woman!

singlef

Sue-UU wrote: »

PLEASE singlef, do take note of all that MrsTine and headachesrus have said, it's nothing more than being truthful as well as blunt and to the point.

Someone has to stand up for YOU and right now it's yourself and your Mother that can do that best. I could never leave my youngsters in this sort of mess, but then I wouldn't allow them to get there in the first place!

It may already have been said, but is your Aunt your Mother's or your dad's Sister??

Please help yourself out of this!

Love and hugs, Sue x

She is my mothers sister!

singlef

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 838.67
Other income............................ 0
Total monthly income.................... 838.67

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 362
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 122.36
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 12.54
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 116
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 23.22
Life assurance ......................... 0
Other insurance......................... 1.99
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 953.11


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
halifax........................3076.28...55.1......17.95
barkly.........................7396.96...163.4.....16.75
Total unsecured debts..........10473.24..218.5.....-


Monthly Budget Summary
Total monthly income.................... 838.67
Expenses (including HP & secured debts). 953.11
Available for debt repayments........... -114.44
Monthly UNsecured debt repayments....... 218.5
Amount short for making debt repayments. -332.94

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -10,473.24
Net Assets.............................. -10,473.24

singlef

LandyAndy wrote: »

You definitely aren't doing it right;).

I'm not sure what you should be doing instead, though:(:D.

Can you not copy and paste into one of your posts rather than use a link?

Success at last!