Im back- this time its not for me!

hannahsmummy1

Hi Everyone

Doesnt seem too long ago that i was here!! Hope you are all doing well!!

Anyways- im here just for a bit of support really- i know i can count on you guys!!

My parents- well, in particular my mum has/have gotten themselves into debt again. They remortaged again last year- around June/July time (if i remember!) And were supposed to have paid off all their existing debts as well as having work done on their house (which they did get done!) My mum rang me up a few weeks ago, not herself, really down & crying- not like her at all, she told me that she was being chased/harassed by natwest credit cards, because she hadnt paid her bill for that month, ok i say, not a problem we will sort it out, asked her what the balance was- its 1500 she says- not the end of the world- her & dad both earn decent salaries- so i say get a balance transfer & set up to pay 100 a month into it- ok she says- so i get her a balance transfer with virgin- for 0 % for 14 months- she went away last week- (a present paid for by my uncle for her 50th & she went with spends from family & friends- 165 euros!) so the card arrives, & its all sorted out- or so i think- i

rang her this morning to ask if it had been sorted out- but she was upset again- it took me ages to get her- and when i asked if she had been upstairs- she said no- she hadnt answered the phone because she was scared it was the bank chasing her again- i told her not to worry because it was all now sorted out- and that if they said anything just to let them know that she had arranged a BT & it was being processes- should be done by tomorow, she then says that she thinks there is a letter from the bank for her as she had a thing from the post office about a recorded letter- then lets me know that she has 2 other CC's- one with mint & one with MBNA- both around 1K- she tells me that she pays them by DD so they havent been chasing her-

After them helping me out, im racked with guilt that its my fault for getting them into this situation & i have been sat here being sick & crying because of it, i want to help them desparately, and up until a few years ago (6) they had no debts, & were nearly paid their mortage off, i really worry about them & am not sleeping because of it- i have asked mum to ring me later- when her friend has gone so we can try & sort something out

Snaggles

Sorry to hear about you Mum HM, I remember a bit about you situation from last time you were here. Does your Dad know about the cards?

hannahsmummy1

Hi Snaggles

Yes he knows, he has 1 card- (that i know of!) A HSBC one, he pays his by DD so i guess that they are not chasing him as they are being paid (even if it is only minimum) I guess i have to let them have their own LBM (which i thought they'd had already- guess i was wrong eh!) What has brought this on was the fact that we were supposed to going away to Disneyland Paris- found a really good deal- split evenly 3 ways (me, dad & mum & dd who goes free!!) i had managed to save my wages for it & was all for paying it this Friday (when my parents get paid) But i dont want to go if i know they will get into even more debt for this, i dont want that- and i said that to mum last night- she just said i said we will go so we will- she doesnt realise that i dont want them to be in debt because of it!

Toto

Hey HM, does your husband know about this? Is there any way you can explain it to him and get him to help out? i seem to remember he is on a decent salary and saving each month. I know you won't want to rake all of this up again but maybe if he understands that this does all stem from your wedding he might be a bit more understanding... maybe?