Multiple Debt related issuues

AlexSadler

HOKAY - was sure whee to put this coulda been any number of fora. So mos p;ease fee; free t omove. Also bwar i min dmy initial post tirned out to long so this wil eb part 1. Dont' ex[ect thr rea mat till part 2. If I'm unclear at any point here ok please bear in mind hat mental unwieldiness contributed to problems and while I'm A LOT better now I;m far fro 100% . Odds on this will be a vast splurge of info ost of which is unnecessary as opposed to something which leaves out important stuff. So bulllet points (I'm, AS and OCD, so I LURVE bullet points).

1) As said I'm minorly OCD and whilst I've never sought diagnosis as I do not feel that most forms of AS as disabilities. So wht if I find it extremely upsetting if someone is in "my spot" o n the train or if I can't make friends in real life. I'm, Aces at internet debate and under a lot of circs I process many types of info way better norms, With the exclusion of the at the far, non functional end, ASersand norms are just different types of healthy really.

2) However when forced to deal wit j disruption to my life, or on those rare occasions I'm FORCED to process natural emotion I can loose it very badly lndeed (Or occasionally very WELL - mild crush on a girl I know has a bloke and who I will very rarely see again, nspration to go out and loose several stone)

3) But in case I process emotions in different odd ways,which seem inexplicable to most when I express emotions at all. So at the minute I'm suffering severe depression, because I used to work closely with a great man our officer change, and instead I now pickup phones and explain to irate businessmen why they still have to pay rates on empty property and get called a "F'in C'in) when I as a the lowest ranking member of office are not able to complete rewrite legislaiton for people..........

4) I was then placed o n sick leave monitoring potentially a firt step towards dismissal for taking 5 days off in twelve months. (Though it should be noted I'd been off 3 days i the last twelve months by he time they decided to be bothered to this review. Plus I'm a n insomniac, and ee will always be th occasional day when I'm just too tired to wor. I think 5 days off a year every year on average is acceptable and all I shall ever manage

5) At this point two almost completely contradictory things happened in my head a) I became determined to be there every day without fail for the period of my monitoring just to show 'em all. But also b) I stopped caring about the job at all, a slowly fell in a deeper and deeper depression.

6) This depression interacted in unexpected ways with my AS (as most strong emotions do)

AlexSadler

Oky part 2

6) Continued, so we have one part of my crazy head determined to attend work, the other part not a a darn hoot any more. Ans over the last coulpla weeks I've goen from deressed anda littel crazy to frankly secionable. The not turning up to work hasn't lot me my job yte desite my often caliming I just couldn;'t b e bothered as I've enough friends in high enough okaces left to have prevented that thus far, so long as I can get a "fit" note. Might even get me moved back toa better job if the fit note sugests it, and although they haven't given me my appointment yet, I've got an emergency medical health referal toa local ccentre so fingers crossed there.

7) S onow we finally get to y'know MONEY. Basically I take home 1234 a month and I live with the parents, so my underlying finincial situation is quite good. Before I got depressed and started spending willy-nilly I was puttng away 100-200 per month.

8) However like I say being depresseed i'd already been a bit profligaye and was saling close to tje womd wotja couple of debts. Still easoly manageable, just amonth pf tjree of persoanal aisterity needed amd maybe, jut maybe begging a litte flexibility from my credotors which at tha time I have litte to no doubt woupld habe neen fortehcoming.

8) Hpwever a couple of weeks ago whilst o nwhat was very much a sectiobable state I was essentially kidnapped by severa l dodgy individuals for several days. At the time I thought that this was great abd that these people where my new best friends. However what was actaully happening was they were convincing me to spend all I had and way beyond my credit lmits on good for them and to take out payday loans beside, pretty mcuh destroying the fair to middling credit rating I had before which could ah ben used to resolve this situation

AlexSadler

Part 3

10) So here we are then. I', thousand's of pounds in debt, hjundreds of pounds over my credit limits and I jave paday loans hangingover my head.

11) So I'm left eith debt, upon debt, upon debt, and contreacts to phones I neither have nor want. I'f some contract from companies like Churchwwiid who Im fairly sure are rip-off merchnats and and Idebt Plan who may or pay not be - have also looked at some ofthe high interest rate loan credit crad products on here which I think migtht be a fairly sensible option to bring everything else back down under the point it's getting passed to collections departments. I would not want a vasquis card for instance in the log term, but if they 'd b e preparedto loa me enugh to bring everything else down withig limits that might not be a bd idea, then simple concentrate on paying the off and cancelling them ASAP.

11) But none of that is the worst of itl THese individuals also convinced me to take out contractors on 3 mobile phones whilst I was sectionable, all of whic htoldme if I could get a police iident numebr there should be little trouble gettig them cancelled. This was howevr what we call i nthe rade; A lie. Omce icnident numbers were obtianed they insisted that I would also need to return the phones. Phones which had never been in my possession. So I'm still stuck with three unwaned phone contracts, plus one for my own which as dissaoeared (they ma have takenthan, I may hav elos it Who knows. Working insurance in thatrone on he bass iof lost, os at least I houkd get *something*. I supposeI could also claim for the other three phones on the free phonr ijsursncejmy provides, but thst eoufl br ewell, tsking the !!!! een if my sn ksllow it..........

So what do folks think? Any advise, bot on tehe debts and the unwanted phones. I yhink ifI can get a diagnosis saying /i wans't mentslly competemet to sign snd ten wae it around in court whren summonsed thst oigjt to do ti but U'd ratejr iot didn't get that far.

11) But none of that is the worst of itl THese individuals also convinced me to take out contractors on 3 mobile phones whilst I was sectionable, all of whic htoldme if I could get a police iident numebr there should be little trouble gettig them cancelled. This was howevr what we call i nthe rade; A lie. Omce icnident numbers were obtianed they insisted that I would also need to return the phones. Phones which had never been in my possession. So I'm still stuck with three unwaned phone contracts, plus one for my own which as dissaoeared (they ma have takenthan, I may hav elos it Who knows. Working insurance in thatrone on he bass iof lost, os at least I houkd get *something*.

Weird_Nev

Alex,
I really think you need to seek professional help for your mental health, first and foremost.
Once you have sorted that, you will be in a much better position to deal with the financial side of things.

Are you able to talk this through with your parents and perhaps ask their help to go and see a doctor. Your GP should be your first port of call, don't let them fob you off, I think you need more intensive help than that.

Wishing you all the best in your health and finances.

AlexSadler

Yes. Thank you. You aen't wrong. I never h dda GP an account o' nver needing one (Always knew I wasAS, but till I mentioned the facttithe bank last week and hey gave ne £134 comp for basically nothing I neverr saw any point,*without me even having a formal diagnosis*I never saw the point. Thing is I do wanna deal with bothe issies. If I have hgigh debsts that were inclured as a result of illness ratherthna my saen decisions than that increasingly stressess me out. (In and case this site is already helping Martin's novella on debt and mentl illness already implies the bank have been tooo fast in referjng my credit card ti a the collections department.............Plus the banks are open this morning but the financial industry open at lest think morning. So it doesnae hurt to work on the finacial stuff this morning............but jolly good if I could just get the money tgiethr for a working smartphone. Woulnd't need to be locked in my bedroom tryign t sort erything thn.............And lke I say I do hve an emergency rferal to the kocak menta l heakth centre. You having to nag a bit about a date.+
-+

(And the quality of OF TYPING ABOVE ILLUSTRATES *PERFECTLY* why even though i genuinely think i@m ()oo% recovered tis prolly closer to %) ^) in reality