Cant see any hope!

kken

I know this is going to sound pathetic and melodramatic but my debt problems have got me so low and i just want to give up fighting back full stop. I just dont know how to get out of this mess.

Have a house worth 165k with 88k mortgage and 53k second charge with Nemo.

Overdraft of 2500
loan with bank of 11500 (9500 settlement figure)
2nd loan of 6700
Various credit card and store accounts totalling 10k which are up to date bar 1 but have freqently been paid late so cant get any other credit.
Joint income of 33000 and 2 gorgeous kids (not sure i would still be here if wasnt for them)

Bank agreed to restart the loan with them so we could pay off overdraft then received letter this morning saying they had changed their mind.

Now, no money at all to pay this months mortgage or the second charge or any of the credit cards etc. Horrendous toothache from a broken tooth but cant afford the dentist.

I really cant deal with all this and feel so desperate right now!!

Broken_hearted

Right if you feel,comfortable could you post a SOA so we can see if there are areas you could cut back/alter to help the situation.
P.S There is always hope.

Merlot

I too agree with Broken hearted, there is always hope, pop up an SOA and you will get loads of advice.

Merlot.x.

moggitymog

Well done you kken for coming on here, there will be lots of people able to help you so dont worry too much, most of us have been there and there is light at the end of the tunnel.

bank_of_slate

Hi Ken,
When you're right in the middle of it all, it swirls around in your head and there seems to be no way out!
DEBT-FAMILY-KIDS-WORK-PAIN-RESPONSIBILITY-THREATENING LETTERS-WILL WE LOSE THE HOUSE?

Take a step back and be thankful for a healthy family.

Then call Payplan or CCCS and get some professional advice!
You can't cope and make rational decisions and deal with the power and threat of banks in your current state of mind.
Keep posting, you'll get loads of support on here
...Linda xx

PS - can you call NHS Direct to try get an emergency dental appointment? 0845 46 47
if you have to pay it'll be a band 1 charge of £15.90

campervancrazy

Not as wise as some on here regarding money but just a thought about your tooth...depending on what you do for a living would it be worth a look at https://www.teamuphere or similar to trade skills with a dentist?? I'm sure you will get great advice off the more regular posters, they really are helpful, but get your statement of affairs posted as that is what they are waiting for
best of luck

bank_of_slate

I am a dental nurse,
does your tooth hurt all the time?

do hot and or cold make it worse

is there any swelling?

Does it get worse at night?

Do sweet things make it hurt more?
...Linda xx

HHH_2

Just bumping this up. You sound very desperate, someone else suggested taking to payplan or CCCS. CCCS (not C-C-C-S) are a very helpful debt charity they have a website, do have a look at it and givethem a call, they will know the answers to your debt problems. they are life savers!