terrified help needed

molly70_2

hello everyone im new here so please bear with me to be blunt we are in debt bigtime and i dont know where to turn i had to give up work due to ill health in 2008 an hubby lost his job in 2011 although always found work his salary is vastly reduced no perks like car an fuel. we bought an old banger for work which is a money pit currently both headlights knackerd exhaust held on by string an no heater !! main problem is the debts im hiding letters and grabbing post before him dont get me wrong i only spend on house food etc not myself an to be fair neither does he but he hates debt an will go balistic if he knew latest basically mortgage payments have suffered badly i have been to court to fight repossession twice already august an dec last year an now havin missed dec an jans payment i have to go later to hand in paperwork an try an stop repossession tomo im at my wits end not eating or sleeping im so scared we will lose house tomo just feel like ending it all sorry i know thats a terrible thing to say hope i havnt offended anyone just so scared an feel alone i know i have to sit him down but if i could give him a solution to it all as i tell him might be better anyway so sorry for rambling if i havnt bored you all an anyone can help me i would be so grateful thank you

Zerdi6

Hi Molly, and welcome :wave:

Firstly well done for signing up and posting - the people here are full of good advice

Secondly, take a deep breath, sit down with a nice cup of tea and fill one of these in to allow people to have a better look at your situation so they can offer advice
http://www.stoozing.com/calculator/soa.php

You're definately not alone and I'm sure theres a way to make things better for you - you've made the first step by posting here.

MrWillyWonka

Firstly you have come to the right place, secondly there is a way out of this, there always is. I don't have time to write a long post but hang in there, other members will come along and offer all the advice you need.

Your first step is to provide a statement of affairs: http://www.stoozing.com/calculator/soa.php

Take your time with this, be honest and we can all look at options to increase income and reduce outgoings. Time is of the essence here. Have you spoken to any debt charities?

As I say, there is a way out of this.

Edit: beaten by Zerdi6 with an almost identical post!

Zerdi6

Molly - is everything ok?

I've seen you have been online this morning, just wondered how you are doing?

On_my_way

What does your husband say about everything? Together you can sort out anything - many people on here have sorted out £100k plus debts!

I hope you are ok xx

Sadlady

On_my_way wrote: »

What does your husband say about everything? Together you can sort out anything - many people on here have sorted out £100k plus debts!

I hope you are ok xx

She says her husband does not know about the debts she hides the letters'I hope she is ok too hope she posts to let us know

National_Debtline

Hello Molly

I hope your repossession hearing went ok. Let us know how you got on.

As it sounds like you have a lot going on I think it would be a good idea to telephone one of the free debt advice charities like National Debtline or StepChange so you can talk through your whole situation and get full advice.

For help with short term essential payments you need to make like car repairs you can check whether there are any grants or trust funds you can apply to through Turn2us:

www.turn2us.org.uk/grants_search.aspx

James
@natdebtline

On_my_way

Sadlady wrote: »

She says her husband does not know about the debts she hides the letters'I hope she is ok too hope she posts to let us know

Sorry- I am not sure why I didn't read that properly.

We all see so many issues on here because on partner doesn't realise about the debts- but surely people must realise how far their income can stretch!

Why do some of us take the responsibility and let the other person float around thinking everything is fine?

My ex thought it was all my fault and nothing to do with him - yet most of it was spent on him and his whims!