Hi all I have posted a couple of times the past few days about finally reaching rock bottom qith my problem. You may have seen my other posts and I am yet to tell my partner. I really don't want to tell him this side of xmas as the past 2 xmas's have been c**P because of me and I just want him to enjoy this one for our daughter. I am trying to hold off my landlord until my partner gets paid on xmas eve, rwnt was due yesterday and have fobbed him off for now but I don't know how long he will wait. Silly idea I know but I just can't do this to my partner at xmas again! I am wanting to put some plans in place so when I do tell him, if he doesn't leave me that is, I have some plans of sorting things ready. I need to know what can I do about my debt? I don't even know how much my debt is tbh, I have been gambling for 9 years and every single bit of credit I have had has been effed up! I know I must have at least £25,000 worth of debt! Who do I contact, what can I get? IVA? Etc? Thanks to anyone who can offer advise xxx
I'm sorry I don't have the answers to your questions, but if you can hold off telling him this side of Xmas I would! I'm guessing you have had plenty of time to tell him why do it now, new year new start, it's sounds like you have been though a lot together I'm sure he will help you how ever he can, just don't gamble any more please.
Hi thanks for your reply. I am hoping it can wait til after xmas just depends what my landlord will be like for the next 4 days til I can pay him on xmas eve :-/ I so need to end this once and for all, I can't keep living my life like this, it's awful! Xxx
Tell me about it, I've just had to post my own thread, I hope I can be strong enough to get tonight over without playing.
Siobhan, phone the helpline! They should be able to give you some pointers but I'm pretty sure I have seen posts on this...Have a look @: www.nationaldebtline.org
Maybe being honest with the landlord, about not having the money until Christmas Eve would be a start...He can't physically throw you out as you are protected & it would take weeks to sort anything legally by which time you will have caught up the arrears!
Hey thanks for your reply 🙂 I'm just worried about saying that to my landlordin case he rings my partner or my mum who is our guarantor :-/
Hi,
Stepchange manage all my debts and will negotiate mostly freezing interest accumulating any further.
I pay them a fixed amount and they divide it up between the creditors. They also don't charge a fee.
Give them a call. It stops any letters or phone calls you may get asking for payment.
Worth a try.
Best wishes
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