Can I remortgage with large debts already and gambling transactions too?!

Adviceneeded15

ACG wrote: »

This can be done BUT I would suggest trying to get 3 months worth of bank statements without any gambling transactions on there.

Who do you bank with? There is only 1 lender I have ever done this with and I did struggle to find lenders for it so just hoping you do not bank with them.

I'm with the TSB

Adviceneeded15

Thank you everyone for your responses.
I have tried to reply numerous times but I keep getting upset and then delete what I have typed.
The guilt is eating me up. It's making me ill. Hubby is being lovely as usual (I haven't told him yet) and I feel like the bad wife I am. Guilt is awful.

I have made the minimum payments on the cards this month and haven't gambled since I posted last. I have sorted through the kids clothes and put on ebay what doesn't fit and have made a bit of money which is going straight onto the cards to try to chisel away at it but I know this is going to take forever as the interest is nearly the same as the minimum payments.

I am an idiot.

KRB2725

Don't beat yourself up. You are not the first and will not be the last person to go through this. I know someone that has and I'm sure plenty of others do as well.

I would follow the advice of previous posters and get yourself some help from GA. I guarantee that you will feel less alone and you will get support from people that have been through this.

Adviceneeded15

Well I have told him earlier this evening. He has reacted quite calmly and wanted to try to work out a way through this. Can't help thinking he's not absorbed what I've done as I'd be kicking off if it was the other way round

Adviceneeded15

I've also received a message on here saying I can remortgage and possibly pay off some of the loan too but not going to rush into anything.

amnblog

You have taken the first step out of this problem.

amnblog

Adviceneeded15 wrote: »

I've also received a message on here saying I can remortgage and possibly pay off some of the loan too but not going to rush into anything.

I hope no one has PM'd you, offering to arrange lending for you?

If so, be suspicious.

Adviceneeded15

I did think it was a bit odd as they didn't respond to my post just pmd me asking for further details.

I want hubby to absorb what I've done before committing to either remortgaging or helping me through this so won't be doing anything til I've sought advice financially and for the gambling too.

nubbins

Well done, I imagine that is a huge weight off your shoulders and are right he is probably trying to take it all in, the best thing you can do is be totally honest and hand over all finances to him.

Adviceneeded15

I don't really feel relieved but think that's because he was calm. I'd feel better if he'd gone mad at me but that's not his nature and it wouldn't have changed what I've done.

Yep think he's best having full control of the finances