Fresh start

theendisnigh · 9 December 2012 at 10:26AM

For the first time in my adult life, l will owe no one any money. I had a credit card a loan and an overdraft which l hid from my partner. I couldn't keep up with the payments because l am out of work looking after our 3 young children. I missed a couple of payments and couldn't catch up anymore. I was using overdraft to pay off the credit card, and when l run out of money by the end of the month l would then spend the money l had paid towards the credit card. I was getting nowhere. I was very stressed and on several occasions seriously considerd ending it all. He accidentally found out about this card recently. He did not go as mad as l thought he would. I confessed everything and we decided the best way forward will be for me to apply for a DRO because the bank was not going to get a single penny of his hard earned money anymore.

I do not own a debit card anymore, he pays for everything so therefore monitors everything that is purchased. Think l deserve this kind of treatment because it's all my fault.

My DRO application has been approved and l can look forward to 2013.