I a

Matesy

It’s ok we r seeking professional help I thought this was a forum to help people just found it hard to actually come out about it . I suppose I am sensitive but just think some replies would put people off many thanks anyway

Matesy

It’s ok I thought I would just ask for advice but to be honest Iit has put me off posting anything . Thanknu anyway as we will seek the help we need many thanks

sourcrates

No one is judging you, i don’t know why you would say that, it’s just a simple fact that until you post an SOA no one can give you constructive advice, you say you don’t want to do that, and you are talking to stepchange, so at least your doing that, good luck, I hope things work out for you.

fatbelly

Matesy wrote: »

I know llona it has gone up but to be honest I thought by coming onto this forum was to get advice not to be judged. I feel bad enough and embarrassed. I thought this forum was a way of talking to people who have been through it . We have been chatting to people that can help And not judge

No-one has judged you.

But no-one can help you until they know your situation. An soa presents that in a structured way. We could ask 20 questions and wait for you to give 20 answers but an soa does that in one move and gets you accurate advice faster.

Ilona

No one is judging you Matesy, what I said is simple fact. Thousands of people come on here asking for advice, some will take it on board and act on it, some will ignore the advice and continue as they always have done, but not make any headway with their debt busting.

If you find it difficult to talk to strangers on here, maybe face to face with a professional would be the answer, or on a one to one basis on the phone. But please choose a charity like Stepchange, Christians Against Poverty, or National Debtline, or Citizens Advice. On no account contact a fee charging company who will rip you off. Advice can be found free, do not pay for it.

No matter what you think of us on here, we want to help you, but to do that we need a clearer picture to start with. The charities I mention will all want a Statement of Affairs, your situation cannot be resolved without it.

I wish you well, whichever route you choose.

ilona

datlex

Don't be embarrassed, no one here knows who you are. So it is not likely you are going to get funny looks from your neighbours after posting here. In fact a lot of people have been in worse positions than you. £50k sounds like a lot of money but it is a relative amount to your income- If you income is £25k it is double, if it is £100k it is half. Same amount of money different impact to you.