I need help!!! I don't know where to turn

BMG

I have news


I am now living alone as hubby has left after he found out about all my debts.


He has moved out and taken all his things including his car with him. I have no idea where he has gone.


I have contacted the mortgage company and they have given me a 6mth holiday on payments but the credit card companies have said that they will not freeze the interest.


I now have to sort everything alone with very little money coming in. My health has gone downhill since he left and I am having to live in bed at present as I am having trouble moving about.


This is not a call for sympathy but just an update on my situation. I will be wound when I can be

FBaby

Very sorry this has happened

tiny_courageous

From what you've said, your husband is an utter tool and you are better off without him.

That being said, please now seek some professional advice regarding your entitlements to any benefits and dealing with your debts. Given that you have health issues and no income of your own, you need to get claims in for benefits asap, I'd get on to your local CAB and also speak to a debt charity regarding making token payments for the next few months on your debts until you get yourself settled and sorted.

yamsteroo

I'm sorry for what's happened but now really is the time to seek advice from one of the debt charities such as StepChange or PayPlan (there are links at the top of the page) regarding your situation as time will fly by and before you know it the mortgage payment holiday will be at an end.


Regarding the credit cards - are these in joint names? If so, whether your husband likes it or not, he is jointly liable so he will have to get involved in trying to sort the mess out. If they are solely in his name with you as an additional card holder then whether it's morally right or not, the debts are his even if you did the spending.


Please, please speak to someone, the debt charities mentioned on these forums have helped so many of us and they really aren't judgemental. They spend all day every day talking to people who for whatever reason find themselves in debt so your story will not be anything new and they'll point you to the right solution for YOUR situation.


Deep breaths, take the first step and talk to them as nothing is going to go away unfortunately.

dawnybabes

Has he gone for good or is he just having a paddy.

Agree you need to get wheels in motion with claims and with Stepchange or Payplan (these dont charge a fee for helping)

((Hugs))

eyelinerprincess

Sorry to hear that he's gone. Please contact the above organisations for hel, contact the CAB to find out what benefits you're entitled to.

glasgowsaver2011

Whose name is the credit card debt in.

Is it a joint mortgage?

what is the house worth.

Is there family you can go to.

The house is the least of your worries.

This thread should serve as a warning to others - not to avoid problems or put their head in the sand..........

glasgowsaver2011

Sell the house.

For whatever you can get.

mogsi80

I am really sorry that your oh has left you in the lurch, he's being extremely naive, where did he think everything came from if he's only bringing in enough to cover the bills and sometimes not even that? What a douche!

When I was reading the post, I thought perhaps there maybe a cultural reason to why you don't want to sell up and downsize - houses are seen as a sign of status, and you mentioned your family weren't even happy that you took out a mortgage, finances and struggling to pay back what you borrow is a very sore subject and can some how be seen as being shameful to get yourself in that position - something that I don't agree with, but maybe another view point as to why OP was so resistant to the idea of selling up...

Sadly now that might be your only option. As someone mentioned previously the £10k card - is that in your name or OH's? Hopefully it's his, so once you find out where he's scuttled off to be sure to give them his forwarding address.

Take care x

heartbreak_star

sorry to hear this has happened OP. Hopefully he's just having a paddy and will come back - I'm sure I've read it before where a partner got upset at debt being hidden as they saw it as lying.

Best of luck to you.

HBS x