On the Edge with Debts

elvis2003

OK ill try make this a short as i possibly can but feel i need to try get some kind of help as at the min am up S**t Creek without arms let alone a paddle. Yes its all been my own doing, but now i have no were to turn and thinking thoughts which are not good to just make it all go away.
I am 32 now and just to give you some quick background- a freind took me to a casino was i was 18 and just starting uni --- i become hooked on roulette the Devils game, anyway i opend numerious bank accounts back then and had a min of £1000 overdrafts off them all, i also manged to take out loans - even my student loans were blown on gambiling, i got by and scrimped and scarpped and for 5 years this went on.. must of been easily over 30K worth of debut.. Borrowing off friends family and everyone who i could... It finally come to a hault in a bad way with a court case, were i was found not guilty of a crime i was accused of and i come clean to all my family i lost my best mate at the time....
So that woke me up and the gambiling stopped ( for the time being). So i started to pay all the people round me using my wages from a job i was in at the time, oh by the way because of my addiction that had taken over my life i never made it throu uni, just 10K worth of student loans... Having paid back my family an frineds I managed to get a decent job at 26 were i started on 25K a year - being in this job i wanted a new knowing i had CCJ's and lots of them and defaults i had no chance through normal channels so i took out one through a company yes car high intrest ect.. 2 years past and i dont really now how or why i starting placing football bets on the internet from their on in i was gambiling on horses and back to my old ways not as heavy as the first time until over the last year...
Anyway I lost the car as it was taken off my 3 years ago- i have managed to rack up about anthoer 10K worth of date in loans and payday loans
but the most worrying off all of this is by the end of this month i owe about 3.5K to friends and family and i have no idea how i can get it..... so i am gambiling what money i have had, have or get in chasing it... I even talked my brother into using his car to one of those auto money places to borrow me the money saying i will pay him back....
I have been a very cunning sly person of the years and despise me self for this...
I am constantly chased by companys, had balifts to the house, once my dad had to fork out 1,800 when a bailift come... They are not well off and are both now unemployed also....
I fell as thou i am a drain on everyone round me and bring them down or let them down, i owe my girlfriend money and even talked her into getting a payday loan for me.....
Basically i am F**ked the walls have closed in , i find it hard to breath now as typing this i can't sleep eat....
Advice, help welcomed.

quantic

Is it possible for you to complete a SOA:

http://www.makesenseofcards.com/soacalc.html

Just fill out all of the boxes that apply and then click format for MSE and paste it here in a post.

I will be a lot easier to help you when everyone knows the ins and outs of your finances

nancmat

Hi, your post just sounds manic didn't want to read & run, great your facing up to what happened, are you still gambling lots? I'm sure there is a thread on here to help you but you really need help with this before you can get your finances sorted so your head is in the right place to deal with finanical issues.

Now is the time to prove yourself and buck up, good luck!

lesgeo2012

You probably know this but you need help to stop you returning to the gambling. Get that under control and then get a plan in action to pay back your family and friends. Maybe a good idea to sit them down and tell them how you feel as ask for emotional support. This way they you have your family behind you and will make the debt free journey less scary. Good luck!

elvis2003

I am still gambiling am chasing money to pay other things which i no is daft, last night £500 lost-- the night before 360 lost
Its totaly out of hand..

elvis2003

Just feel i need to pay people this month and panicing getting it.

nancmat

Only you can sort this out & only you alone but you need to want to do it, with over £800 lost already this week speaks volumes in itself, hopefully your gf is supportive and help you!

kettlenic

http://www.gamblersanonymous.org.uk/

Give them a call asap - you will never get out of debt until you get the addiction under control

Good luck and well done for addmitting your problem x

elvis2003

i have been before but I dont think it helped, i no i have a problem gambling.. But the truth is i am also gambiling to clear me debuts with friends an family, really worried about upsetting them... I cant get a loan no were as my credit is that bad... if i could get 3.5K i could sort them all out ( freinds and family ) and then work on the other stuff with a DMC - but i have no idea how to resolve or get that..

kettlenic

Gambling IS NOT paying of your debts!! ever!!

Stop right there as it is not the way to go with more loans etc you know how you will spend it

Get help follow a program you have a real problem and need to give the support group another chance - you need to want to quit and get help or it will seem like a waste of time!

elvis2003

yes i do want that. But i also want to get money for people i owe to and dont no how..