pregnant and frightened please help

sylviemylove

Hi all
to cut a long story short I had my lbm Dec 07 spoke to cccs and was about to start a dmp when i actually got a bit of work. I decided to keep going for as long as I could making payments and managed to reduce my debts from
£19100 to £15300.

i NOW OWE £13600 LOAN TO aLLIANCE AND LEICESTER (£297 p month) and

£1700 to Abbey on a 0% til march cc.(£30) per month

Work has since dried up and I discovered that miraculously i am pregnant and due in Dec. I feel elated but guilty too. I worry its irresponsible perhaps to be having a child when i am in this mess. Anyway....

I have £120 per month to attack my debts with.

cccs suggested i offer £14 to abbey and the rest to A and L, £114.

I am terrified that they will start threatening me. I'm worried about the effect all this stress will have on the baby, and I'm worried that my husband will find out-that they'll make him remortgage to pay off my debts.

Has anyone been through this? Is this sort of thing likely?

Any help gratefully appreciated.

Anthillmob

i have no advice to offer other than please try not to stress because of the baby. congrats on your pregnancy. you need to relax.

someone else will be along soon who can offer advice re the debts but as far as you and the baby are concerned you both come first.

take care

x

sylviemylove

Thanks Anthillmob x

Lucy1982_2

I would have thought that CCCS suggestion was worth a try. They are experts and know what they are doing and most importantly they can handle it all for you which means you will be less stress!!

Congrats on the baby!

Summer1969

As said, know its easier said than done, but you need to look after yourself and the baby. Do you think you could tell your OH? I know that must sound daunting, but his support will be invaluable. He may be angry at first but I am sure he wouldn't want you going through this on your own. There will be people along to help you with the financial side of things. Good luck.

angelfairy

Can I just say congratulations on the news of your pregnancy, and I also echo Anthillmob's comments re the stress.

Others with more experience will be along to advice re the debt side of things.

The baby will be fine with just love from their mum and dad.

TangledMemories_2

Hi, firstly congratulations on the pregnancy and PLEASE try not to stress too much for the baby's sake.

It might be worthwhile posting an SOA so we could see exactly what your debts and other outgoings are and perhaps see where you could save a bit more money to throw at your debts?!

4littleone

Hi

congrats on the baby lump :j

Is there no way you could get enough courage to tell your husband about this? Will he not notice letters coming through and £120 a month going out of the budget?

Surely you are becoming more stressed out trying to hide letters and phone calls which isn't good for the baby....
Sure, he might be cross at first but i'm sure you haven't spent all that money just on yourself. You must have both enjoyed some of the money together.
I think that perhaps you may want to consider coming clean and showing him that you have an action plan rather than keep it a secret.

Best of luck. x x

10past6

sylviemylove wrote: »

I am terrified that they will start threatening me. I'm worried about the effect all this stress will have on the baby, and I'm worried that my husband will find out-that they'll make him remortgage to pay off my debts.

Hi

a) I suggest you take the advice what CCCS say, if possible do a DMP through them.

b) There is a process that ALL Creditors / DCA's have to follow, be aware you will recive intimidating letters, but please bear in mind, "These are system / computer generated" it's the process the company has to go through.

C) You will not lose your home, the worst that can happen is they can apply for a charging order.

D) I'm not sure if you have discussed this with your OH or not, as difficult as it may be, I urge to to consider discussing it with him, you need to off load some of the stress during your pregnancy.

Continue to post any further questions you may have.

Good luck

sylviemylove

Thanks all for your encouragement. I know I should tell my husband but I feel I have let him down so much. When we wed i was earning decent money, confident and now i feel as though he might feel he's backed a losing horse! I am self employed and work changes so dramatically, if things pick up next year i could in theory be debt free again. I suppose its that hope, that he may never need to know, that has kept me quiet. Stupid, i know

pinkrach001

please please please dont stress!!! THE most important thing you have to worry about is making sure you and your baby are well and healthy!!
my advice to you is this -
you say you worry your husband will find out?! im assuming then he doesnt know about your debt at all???? TELL HIM!!! He loves you for you and trust me, a problem shared is a problem halved!! especially in your condition!!

contact the CAB - ideally with your husband, im wondering whether an IVA would be of any use?? but then Im not qualified in any way to advise on that front, but the CAB will offer help and advice.

Children are expensive (I have 2 and I dont work and am a single mum) and I dont think you are ever truly ready for kids

congratulations on your pregnancy AND for coming on here and asking for help!! well done!!

xxxxxx