Serious Money Issues

[Maggiemay]

I think this is the right forum? :s

Anyway, due to my high levels of anxiety as a result of my PTSD, I have a fear of phoning people up, which has now developed into an overwhelming fear of opening post. Today, for the 1st time in MONTHS I opened up some of my post...

I'm in SERIOUS trouble!! I've at least got 3 different companys threatening warrants and court action... :'( Urgh!!! I owe A LOT of money!! I niiavely thought all my bills were fine as they were on direct debit - no,no,no,no... :'(

I am now an absolute wreck. I'm going to discuss it in therapy tomorrow to try to give me miraculously the courage to phone up the companies and explain my situation, and I'm going to try (if I can hack making all these phone calls!!!!) making an appointment to see Citizen's Advice Bureau... No idea how they can help though.

I am now most likely going to got no sleep tonight as anxiety is sky high and for 1st time in months I desperately want to self harm to punish myself for being so incredibly foolish... I'm such an IDIOT :'(

 

[saffy]

I hope you got some sleep Maggiemay. :)

on a fresh head it might be less stressful. The Citizen's Advice Bureau (CAB) will advice you on how to deal with the letters and in some cases will write letters or contact them for you. I hope your therapist helps too.

Good luck and I hope you can get it sorted.

Best wishes
Saffy :)

 

[Maggiemay]

Thankyou :)

I've paid one off; set up repayment for another and waiting on phone call from another. Small steps, but feels a little more manageable now...

xxx

 

[The Albatross]

Glad you're taking the actions you need to settle all this Maggie May. Hope it goes well for you gal.

 

[KP the nut]

(((Maggiemay))), firstly, deep breaths. It will be okay. I think you are in England, is that right?

I have a little experience of what you describe and there is help, big help. I can talk more by PC if you wish.

 

[Maggiemay]

Thanx guys :)

xxx

 

[KP the nut]

Maggie, PC me if you want. I recovered from debt and relatively easily once I admitted the problem.

I still feel ashamed at the situation I was in, hence not wanting to post the full story.

 

[quaintpapercut]

Hi - I did the same thing over the last year. The confusing thing is that I paid 95% of my bills on time, but due to memory lapses or whatever, a couple of things slipped through the cracks. Once they slipped through and went into collections I found I could no longer deal with them. It wasn't a money issue as the amounts were relatively small - default on a gym membership, library fees and another small charge that escapes my mind. I'm glad you managed to settle things :)