I am in a mess financially

Lungboy

January2015 wrote: »

If the medical procedure is required for something that is threatening your health it will be available on NHS otherwise it would be considered a 'vanity' procedure.

That's not always the case. One example is that little boy that was in the news when his parents removed him from a hospital to go to the Czech Republic as they offered a cancer treatment that the NHS doesn't do. £42k sounds incredibly high though, even for a private treatment.

With regards to the debt, you need to tell your OH, and you should post an SoA in here for people to help you save money.

giddypenguin

You really need to get a grip on this - I know it all seems like a mess now, but once you get sorting things out it'll all seem much more manageable.

You really need to figure out what you owe, and stop making it worse. If you really cannot control yourself maybe you should consider speaking to someone as you may need help.

You absolutely need to talk to your OH - especially if they are paying off other debts which may be causing you further trouble. It will not be easy, and it may cause a difficult few weeks while everything sinks in - but you have to tackle this together. Personally, if it were my OH I'd be most upset he didn't think he could come to me sooner so I could help sort things out (not that I wouldn't be upset with the debt - but that's only money at the end of the day).

Finally- until this is sorted I'm afraid the £45,000 for this treatment seems very unlikely, and should only make you tell OH quicker about your debt, especially if they are looking into further loans for the amount- it could send you over the edge.

Sorry to be blunt .

January2015

Lungboy wrote: »

That's not always the case. One example is that little boy that was in the news when his parents removed him from a hospital to go to the Czech Republic as they offered a cancer treatment that the NHS doesn't do. £42k sounds incredibly high though, even for a private treatment.

With regards to the debt, you need to tell your OH, and you should post an SoA in here for people to help you save money.

Agreed - but the NHS were treating that little boy. The parents didn't agree it was the right treatment though which is a different argument.

marmitechops

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 2000
Benefits................................ 520.8
Other income............................ 0
Total monthly income.................... 2520.8
Monthly Expense Details
Mortgage................................ 1000
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 169
Electricity............................. 25
Gas..................................... 26
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 30
Mobile phone............................ 10
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 50
Car Insurance........................... 44
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 24
Pet insurance/vet bills................. 0
Buildings insurance..................... 18
Contents insurance...................... 0
Life assurance ......................... 30
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 12
Entertainment........................... 10
Holiday................................. 100
Emergency fund.......................... 0
Total monthly expenses.................. 1980.12

Assets
Cash.................................... 5000
House value (Gross)..................... 300000
Shares and bonds........................ 0
Car(s).................................. 8000
Other assets............................ 0
Total Assets............................ 313000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 61480....(1000).....4.9
Total secured & HP debts...... 61480.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
1..............................11559.....260.1.....20.8
2..............................4081......81.06.....20
3..............................1618......25........6.9
4..............................4967......99........20
Total unsecured debts 22225.....465.16.....-

Monthly Budget Summary
Total monthly income.................... 2,520.8
Expenses (including HP & secured debts). 1,980.12
Available for debt repayments........... 540.68
Monthly UNsecured debt repayments....... 465.16
Amount left after debt repayments....... 75.52
Personal Balance Sheet Summary
Total assets (things you own)........... 313,000
Total HP & Secured debt................. -61,480
Total Unsecured debt.................... -22225.00
Net Assets.............................. 229,225
Building and content insurance is paid together. Telephone and broadband is paid together along with free calls 24/7

marmitechops

January2015 wrote: »

If the medical procedure is required for something that is threatening your health it will be available on NHS otherwise it would be considered a 'vanity' procedure. Go talk to your GP/Consultant. No-one in this country should have to pay for medical procedures required for their health.

With regard to your debts, it's better to come clean to your partner but I appreciate that's not always easy. At least put together a statement of affairs and post it on here for people to advise and comment. If you feel you cannot tell your partner make the SOA based on your income and expenditure alone.

I do not wish to discuss my medical problem any further. NHS don't do the procedure so private it has to be price £42000

marmitechops

giddypenguin wrote: »

You really need to get a grip on this - I know it all seems like a mess now, but once you get sorting things out it'll all seem much more manageable.

You really need to figure out what you owe, and stop making it worse. If you really cannot control yourself maybe you should consider speaking to someone as you may need help.

You absolutely need to talk to your OH - especially if they are paying off other debts which may be causing you further trouble. It will not be easy, and it may cause a difficult few weeks while everything sinks in - but you have to tackle this together. Personally, if it were my OH I'd be most upset he didn't think he could come to me sooner so I could help sort things out (not that I wouldn't be upset with the debt - but that's only money at the end of the day).

Finally- until this is sorted I'm afraid the £45,000 for this treatment seems very unlikely, and should only make you tell OH quicker about your debt, especially if they are looking into further loans for the amount- it could send you over the edge.

Sorry to be blunt .

OH isn't paying any other debts off. We have a joint account that I am in charge of. If he wants money he asks me to get it out for him.

January2015

marmitechops wrote: »

I do not wish to discuss my medical problem any further. NHS don't do the procedure so private it has to be price £42000

Fair enough - I didn't mean to offend.

Realistically though - unless you are prepared to sell your home or release equity in some other way you are not going to be able to afford your procedure.

I think folks on this forum will be able to help with the debt concerns but possibly not the medical procedure.

One question from your SOA - and it's only a small thing - is your road tax right? We have 2 large, gas guzzling cars and we only pay £31.50 per month for both. As I said - not a big thing, just checking it was entered correctly.

HappyMJ

What benefits are you claiming?

With no children and income as you have I'm very surprised you get that much. If you get PIP's you haven't put any additional expenses you have to pay out for on your SOA.

Your gas and electricity is very low.

marmitechops

January2015 wrote: »

Fair enough - I didn't mean to offend.

Realistically though - unless you are prepared to sell your home or release equity in some other way you are not going to be able to afford your procedure.

I think folks on this forum will be able to help with the debt concerns but possibly not the medical procedure.

One question from your SOA - and it's only a small thing - is your road tax right? We have 2 large, gas guzzling cars and we only pay £31.50 per month for both. As I said - not a big thing, just checking it was entered correctly.

Sorry the car tax should be £47.50 per month. Tax is £285 on each car

marmitechops

HappyMJ wrote: »

What benefits are you claiming?

With no children and income as you have I'm very surprised you get that much. If you get PIP's you haven't put any additional expenses you have to pay out for on your SOA.

Your gas and electricity is very low.

I receive ESA and DLA. The direct debit for gas and electric combined is £51 per month