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Debt Consolidation

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Comments

  • poppy10_2
    poppy10_2 Posts: 6,588 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Jo4 wrote: »
    Her response "It is because of the person I am married to that I am in this situation".

    So she is not taking any responsibility for the situation? Has she not been watching any of the channels on their £600+/year Sky package? Is she not using any of the fancy mobile phones? Is she not using up any of the gas or electricity?
    poppy10
  • If this case is as suggested, much of the issue seems to revolve around the husband's reluctance to accept and adapt to the situation.

    Therefore, beyond the sensible suggestions already touted, there is little that you can do, other than if you (and maybe your hubby) were invited by your friend to discuss the matter directly with the both of them, to see if you can trigger the "lightbulb moment".

    Beyond that, I genuinely think you're "p***ing against the wind" and have little choice but to leave them to it.
    “In any moment of decision the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing at all.” - Roosevelt
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Jo4 wrote: »


    They are supposed to be essential calls but then when there are children in the house I would imagine they would phone their friends and I don't know if those clls would be essential.


    There are 2 free options to this, 1 is to use say msn and chat to the friends on the pc or 2 they decide to go to a friends house and spend say the afternoon there to watch a film for example.
  • Jo4 wrote: »
    They are supposed to be essential calls but then when there are children in the house I would imagine they would phone their friends and I don't know if those clls would be essential.

    I'm reading this as the kids are making calls to their friends, without permission.

    Is that correct?
  • Sorry for getting the wrong end of the stick. I still feel that you have done all you can. They need professional help and OH and kids need to help out too.

    I have a feeling that they might be better off selling up, paying off the debts and then starting with a clean slate.
    Save £200 a month : [STRIKE]Oct[/STRIKE] Nov Dec Jan Feb Mar Apr
  • Tixy
    Tixy Posts: 31,455 Forumite
    I have a feeling that they might be better off selling up, paying off the debts and then starting with a clean slate.

    Thats assuming there is any equity in the house, there may well not be.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
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