La La La

Hi pinksparkle

Thanks for posting my diary it's always good to know there are other people out there who understand.

Well done for getting this far your doing great. I just read your diary and I'm also or was addicted to playing slots and only stopped 13 days ago due to spending all my wages, this is the longest I've stopped and I feel the best I have in a long time mentally and physically. I've just accepted what I've lost and the debt I'm in, I never in my P**f want to chase money again or worse still go back to day 1

Good luck with your recovery x

Hi ya

Well done for achieving so much. It take great strength to admit this problem we have. I have not have the courage to talk to my other half as of yet, but know I need to. I'm going to put the blocker on today because the net is my weakness. Have a good weekend 🙂

Stay strong and take care

Nicki xx

Last gambled 7th June

5 Weeks free of gambling

I am like a broken record - back again! Been gamble free for 5 weeks and need to start my diary up again and get some support from the forum. So much has happened in last few months - I was made redundant at the end of May, I haven't received redundancy payment and think it is going to take months to get it as company is meant to be liquidating. Previous to this I couldn't cope with my debt repayments so set up a DMP with Stepchange, made first payment in June but on token payments since I lost my job. Will take over 4 years to repay the debts (gambling and personal) I haven't told my husband about the DMP - it would totally shock him and I cannot face it. Went for a job interview last week - they offered the position to me then revoked it after a credit check. I was so upset, my family asked me how it went and I couldn't tell them exactly what happened so just said that I didn't get it. Trying to keep positive but it is hard with no job and debts. Not all my creditors have accepted the DMP so I am just waiting for the phone calls and letters but Stepchange have advised to ignore them and only advise them if any of the debts are passed onto debt collectors. Just hoping to get a new job soon so I can restart my payments and see the debt decreasing. Trying to be positive - at least the sun is shining!!!

Hey Pinksparkle

Just reason your recent post there....I'm also being advised from Stepchange too..

I had no idea an employer could revoke a job position due to having outstanding debts? ..can they do that? I would have thought data protection would not allow an employer to see your history or credit rating ? ..

Rachel x

Hi Rachel,

The job was through an agency on behalf of a bank. Apparently large bank/financial services org's will do credit checks on new employees and I even read about one guy who hadn't declared his position and when his co. found out a few months later they dismissed him. Smaller firms will more than likely not do such checks, bit of a nightmare! x

Thanks PS ...I did worry there and had a look on the Internet earlier today and it said the same as you are saying ...

Just think its unfair that a persons credibilty in work is blackened because of something in their personal lives..even with financial stuff...

Sorry you had to go through that ...

R and D xxx

Hi Pinksparkle,

Well done 4 coming back here it takes a lot of strength!

U can do this 🙂

Have a gr8 day xx

Thanks for the replies. Starting a diet today -aargh!!! Really need to lose weight and get fit, will be good for my mind as well. Need to start job hunting again this week, waiting to hear about a few as well. Trying to stay positive, it can hard though when I think of what I have done in the past and the mess I have created.

Hi Pinsparkle ,,.

No I not intelligent because if I were I would have made better choices in life ..lol xx

Thank you for popping in...my diary is somedays just an emptying of my head or a way to work things out that I don't understand ...xxxx...

Good luck ...with the diet ...it's better this time of year with salads and all that , it's hard to diet in the winter with all those stodgy carbs around xxxx

Keep drinking the water x

Hi pinksparkle,

Thanx for your post and well done for coming back on this forum.I hope you will get lucky with job. It does help a little exercise, your body and mind feels better and more at peace.

Keep posting and stay strong.

Step at a time we will get there

Sandra x

The bad news - diet hasn't quite gone to plan but not a total disaster.

The good news - It's 6 weeks since I last deposited on a gambling site!!!

More good news - I have an assessment today for a job and if I pass they will interview me next week and I have another interview lined up for next Friday. I am starting to panic re my DMP (debt management plan) I read some stories about banks issuing CCJs and I really want to avoid this but need to get a job asap so I can resume my proper payments. Also worried about one of the jobs above following the interview I had last week where they offered the job and then revoked it due to a credit check. I know that the job I am going for today (a legal firm) also so credit checks, feel so sick. Not sure what to do, feel ashamed of myself that my gambling lead to my debt which could now hamper my career. Suppose I just need to keep positive and hope for the best x

Hi ps,

Thanx a lot for your post. I do agree, something horirible is happening in this day and life and i am worried about next generation.

At least ads on tv should be removed, that would be a good start for goverment to make a move...

Anyway, you doing a fantastic job. Don't try and do everything at once. Leave diet for later, when you are more stable with other aspects in your life.

I wish you all the best with your interview, and stay strong, one day at a time

Sandra x

Hi Pinksparkle

Thank you for taking the time to read my diary, my past is very similar yours, i took spent money on hubbys credit card etc, thats how it all came to a head for me as they rang him at work, you can imagine the consequences. When he found out, he asked me to come clean to my parents who i had borrowed money from before, it was hard but i did feel better to be out in the open. My debts were probably worse than yours and we had no option but to go into an IVA, i had previously gone into a DMP but this didnt include any of my hubbys cards etc. I would come clean to your husband about the DMP its so hard to keep the lies from them for a long time, if you are anything like i was, panicking when the phone rang etc

Sorry about what happened with your previous job interview, and hope it goes ok this time.

Take Care Lisa 🙂

Sorry to hear about your interview. I didn't think job interviews would look into credit checks. Try not to worry and just deal with things as they come. If you think that the same thing will happen on your next interview you could be honest and say you did go through a period where you where gambling alot but now your sorted yourself out, your getting help and moving on with your life. Do whatever you feels best but try not to worry. I wish you the best of luck. Now I have to congratulate you on the 6 weeks gamble free, great going and it's a pleasure to have you on the thread. I hope that it can give you any extra focus you may need and keep you making all the right choices. See you at check in next Friday.

Thanks for the replies guys 🙂 Bit hungover today, had a fab day at the beach yesterday and great night spent with friends and family. I have a busy week ahead - one interview lined up and potentially another one following an assessment on Friday, should hear about that one tomorrow, though if they invite me for an interview I will asking if they will be doing a credit check on the successful candidate as I know I will fail it 🙁 Don't think I could handle be rejected again. Got a letter yesterday from one of creditors who would not accept my DMP payment plan - they have passed my details onto a debt collector so need to call Stepchange tomorrow. I know they said previously not to panic if this happens as debt collectors can be easier to deal with. Just want to get it sorted!!!