Need urgent help please (please read) Thanks (new here)

LEVJO3

Hello not sure what or where to go now. I feel today suicidal and even thought my three children would be better off without me.

The story so far is up until 12 mths ago I had a very good job earned good money and 2 years ago bought a house on my own for £160,000 which being a single parent was very proud of. However my daughter for the past 10 months has become very very ill and is in and out every month of hospital. She insulin dependent diabetic and also has an eating disorder. She is so ill and social services are now involved as she will just not take her insulin and she binges on anything she can find. To be honest I think I am depressed.

My partner has walked out on me and as he just could not cope any more so doing this all alone.

Well I have had today a letter from the Abbey Litigation team saying my house is going to be repocessed and that I have seven days from the date of the letter (says the 22nd August and only received today) to come up with £2900 which is 3 months mortage payments plus charges.

I just do not know what to do as have no money as I now work from home part time and my income has dropped from £900 per week to about £400. I do still get tax crdits etc and also get dla (higher rate and carers allownace for my daughter as she is so ill.
I am up to date with council tax, gas, water electric but behind with other debts like car, loan etc... I owe in total minus the car loan about £15,000 I did join cccs but could not keep up and was getting more and more depressed. I do have enough money to cover everything as just gone through a budget sheet and be able to pay through an agency... please what can I do. I have sold the childrens beds and mine for £600 on ebay and have just listed my laptop as we have 2 and also my large wide screen tv as it is so important to me we keep the house over our heads.

Any help at all would be very much appreciated. I thank anybody that may have advice for me.

debt_doctor

Hi, I know this is a very difficult time for you, and I am sure you have the best wishes of everyone on this forum. It would be a good move I feel if you were to go to your doctor and discuss how you feel with him/ her.

With the debt problem, Im not sure of your total income, and wondered can you meet the normal mortgage payments in your present budget or not ?

Also is there any equity in the property and if so how much ?

I am going off line soon but will be back on after 9pm

Best wishes

Adrasteia01

I think you need to try and reach an arrangement with them, so that you have more time to pay it or can pay it back in smaller installments. If they hold you to the 7 days, do you have access to credit for the £2900 so you can give them their money and pay it back to a bank or cc company later?

Jacks_xxx

Hiya lovely,

I'm not going to be much practical help I'm afraid, but I just wanted to send you a hug, and some positive thoughts.

Some of the people on here really know their stuff and I'm sure someone will be able to help you.

All I can think of it to see the CAB and your doc and see if any presssure can be brought to bear on your mortgage company who are effectively trying to make you and your kids homeless - especially as one of them is so ill.

I'm sure there are solutions honey, just hang in there and somebody will be along to help soon.

The first stage is usually to post a SOA where you list all your income and outgoings, with the interest rates on the loans / cards etc. It helps to get the whole picture.

My heart goes out to you sweetheart.

Love Jacks xxx

Lavendyr

Hello, just wanted to say I am sorry for your situation and you are in the right place! Could you post an SOA (statement of affairs - see the stickies at the top) so that more people can offer help on where you might be able to save more money?

RAS

Hi

Please hold in there. Others will come and help you soon.

Can you tell us who the mortgage is with and what your interest rate is?

You need specialist advice regarding your finances and to talk to your doctors and your daughter's support team regarding your situation. Yoou may be able to get additional financial help soon but obviously you need immediate help daling with the mortgage company.

MrsTinks

LEVJO3 wrote: »

I feel today suicidal and even thought my three children would be better off without me.

Sit down... take a deep breath and know that one way or another things will work out. Your children will NOT be better off without you and how DARE you even think such selfish things!

Got your attention? GOOD! Now go and hug each of your children and look at them and relise just how precious they are and how much you all love each other

When you have hugged them and probably cried some then come back here and carry on reading

Tomorrow you call CAB/CCCS and your doctor. When you speak to the doctors surgery ask for an emergency appointment and don't take no for an answer!
Your daughter is going through a rebellious phase and I am sure there are groups out there that can help you. Have you tried to contact some of the diabetes (sp) charities? They might be able to offer both help and support for you, and maybe other kids like your daughter for her to talk to. It must be very hard for her to deal with being so different from her friends and maybe some new friends who already see this as a normal thing would help?

Mortgage... ok this isn't my area of expertise but call the mortgage company.
Explain everything to them and ask them if there is any solution they can see. Do you have parents who can help you by lending you the money?
If not then maybe we need to get some figures together and look at whether you can realistically afford to keep the house. If you can't then maybe now is a good time to contact the council and get on the list and worst case you will be able to get emergency housing. Store what you can somewhere else and walk away. I know you dont want to hear it but what if you manage to pay this current outstanding amount but how will you be able to pay the future mortgage payments? Just maybe now is a good time to cut your ties to the house much as you love it...

Remember that no matter what happens then your kids love you (even when they are acting like right Kevins) and there is a huge bunch of people here who really do care

If you're really struggling tonight why not call the samaritans? They are a good bunch of people and they too really do care...

Huge hugs!

T

BettiePage

Don't ignore the letter, ring them up and see if some arrangement can be come to.
also go see your gp asap and discuss what is happening and how you are feeling. If in dire need try the samaritans.
People with more knowledge will be along to help you shortly.

MrsTinks

I found some info on diabetes support groups Here

Also this might be helpful:
By telephone

Diabetes UK Careline: 0845 120 2960, Monday-Friday, 9am-5pm

hugs

rog2

Hi LEVJO - I can understand how you feel in your present situation, which is why you really need to talk to someone. CAB is a good idea and, certainly, Samaritans can help if you are feeling suicidal.
It does seem unfair that the Mortgage Lender is talking about repossessing your house when you are only three months in arrears - I would be inclined to think that they are 'coming on strong' in order to provoke a reaction from you.
I do think that you should talk to CAB, as soon as possible, and, if you can't face it yourself, you need to get someone professional, eg solicitor, to talk to the mortgage company.

woofwoofwoof

Hi Levj and welcome to MSE. I've just read your post and you say your daughter gets the higher rate DLA and carers allowance - does that not mean you can get a DLA car? Also, if you get the high DLA then you can apply for free tax for your car that you have at the minute - might be worth looking into. (Alas, I could be completely wrong, but, for a change I think I'm right!)

Things are never ever as bad as you think. xxx