My Life Spiraling out of control Due to Debt/Gambling

[elvis2003]

OK ill try make this a short as i possibly can but feel i need to try get some kind of help as at the min am up S**t Creek without arms let alone a paddle.

Yes its all been my own doing, but now i have no were to turn and thinking thoughts which are not good to just make it all go away.

 

I am 32 now and just to give you some quick background

- a freind took me to a casino was i was 18 and just starting uni --

- i become hooked on roulette the Devils game,

 

i opend numerious bank accounts back then and had a min of £1000 overdrafts off them all,

i also manged to take out loans - even my student loans were blown on gambiling,

 

i got by and scrimped and scarpped and for 5 years this went on..

must of been easily over 30K worth of debut.

. Borrowing off friends family and everyone who i could..

 

. It finally come to a hault in a bad way with a court case,

were i was found not guilty of a crime i was accused of and i come clean to all my family i lost my best mate at the time...

 

.So that woke me up and the gambiling stopped ( for the time being).

 

i started to pay all the people round me using my wages from a job i was in at the time,

oh by the way because of my addiction that had taken over my life i never made it throu uni, just 10K worth of student loans..

 

. Having paid back my family an frineds I managed to get a decent job at 26 were i started on 25K a year

- being in this job i wanted a new loan

 

knowing i had CCJ's and lots of them and defaults

 

i had no chance through normal channels so i took out one through a company yes car high intrest ect..

 

2 years past and i dont really now how or why i starting placing football bets on the internet from their on line site

i was gambiling on horses and back to my old ways not as heavy as the first time until over the last year

 

I lost the car as it was taken off my 3 years ago

- i have managed to rack up about anthoer 10K worth of date in loans and payday loans

but the most worrying off all of this is by the end of this month i owe about 3.5K to friends and family and i have no idea how i can get it....

 

. so i am gambiling what money i have had, have or get in chasing it...

 

I even talked my brother into using his car to one of those auto money places to borrow me the money saying i will pay him back...

 

.I just dont no how am going to pay everyone back in a few weeks come pay day,

their is no one else i can ask or borrow off and from friday i will have no fuel left in my car for me to even get to work next week.

 

..I am a joke and Gambiling has ruined me and i ruined other people round me with it!!!!

 

!I have been a very cunning sly person of the years and despise me self for this.

..I am constantly chased by companys,

 

had balifts to the house, once my dad had to fork out 1,800 when a bailift come..

 

. They are not well off and are both now unemployed also.

 

...I fell as thou i am a drain on everyone round me and bring them down or let them down,

 

i owe my girlfriend money and even talked her into getting a payday loan for me..

 

...Basically i am F**ked the walls have closed in , i find it hard to breath now as typing this i can't sleep eat...

[elvis2003]

Any help or advice would be great, sorry for my spelling mistakes, i was typing in a panic I guess

[dx100uk]

ok well your facing it now

 

p'haps time to contact one of the gambling addiction charities? gambling anon or whomever?

 

lets move fwd and get a true picture of your financial status

 

can you get a copy of our cra file please

 

see below. noddle are free

 

dx

[renegadeimp]

Ok. what you need to do is get some professional help with the addictio and contact national debtline. national debtline are amazing at what they do and can give specific and unique advice.

[elvis2003]

My list of debts is so hard to work out

as i have had companys chasing me for loans

from ones i may have had 10 years ago

to ones I have had 1 year ago,

i have always buried my head ignored them hoping they will go away,..

 

. My main concerns are owing family and freinds money and making sure i clear thier debuts.

 

Off top of my head ill put a list below..

There is prob other still that have been wiped i assume by now as i dont hear from some of them..

 

I have 5 CCJ's and could not tell you how many defaults

 

List 1

Phone Bill - Tmobile, now passed to Fredrickson/Brain carter last i heard = asking for £700

Aktava cap- 350

Aktava Cap - 1000

Money Barm - 8500- had CCJ for this

Black Horse - 3000 CCJ for this.

Cap one, now with someone else- 700

Aqua- also with someone else- 500

Wageday advance - with another DCA= 350

WOnga - 500

Speed loan- 500

Cash store - 800

Cash convertor - 250

H&T - 400

 

Prob others to but really cant think of which still chasing me..

 

List 2 -

 

Girlfriends mum took 2k loan i pay 100 a month on this and i do pay it.

Girlfiriend got payday loan which i failed and they chasing here for - 700

Friend 1 = 500

Friend 2 = 300

Friend 3 = 200

Friend 4 = 500

Friend 5 = 1500B

rothers car= 1500 loan in total off auto money have already paid them 2 payments of 250 each = 500 and still the loan is 1500, next payment of 250 due this month.

 

Mum and dad 350

 

List 3 Can even think really now.

Do have other bills,

 

Gym 2 missed payments.

A parking fine and

a speeding fine also..

 

. I have a car through work which comes out my salary before i get it- so it leaves me with 1140 a month...

 

List 2 all need paying this month i am stuck and going to be in the **** after letting so many people down in my past cant afford to again

[elvis2003]

Not sure why the paragraphs did not go in the way i typed that then, any suggestions to make it easier for people to read?

[BRIGADIER2JCS]

A few questions so we can help!!

1. Can you list the debts in date order, as to when they were taken out?

2. Have you made any payments on these loan company debts.

3. Are there any actual gambling debt, bookmakers etc.

4. Very important are there any ''priority'' debts eg council tax fines

etc that are pressing for payment these must be tackled first to avoid

further problems.

 

Put each debt into a separate folder so you can see what progress

you are making.

 

Please get the priorities sorted first. rent/ct/utilities/fines.

[elvis2003]

A few questions so we can help!!

1. Can you list the debts in date order, as to when they were taken out?

2. Have you made any payments on these loan company debts.

3. Are there any actual gambling debt, bookmakers etc.

4. Very important are there any ''priority'' debts eg council tax fines

etc that are pressing for payment these must be tackled first to avoid

further problems.

 

Put each debt into a separate folder so you can see what progress

you are making.

 

Please get the priorities sorted first. rent/ct/utilities/fines.

 

1. To be honest I cant list them in any order as buried my head for years really... 2. Not many any payments on recent loans i taken out, only the one in my Girlfriends mums name.3. Not actual gambling debuts all money already just gambled away4. Parking fines and keep for parents... Also my friends and family my brothers car to as dont want them taking that and my Girlfriends payday are real prioritys- as dont want to lose people or them to all no i have messed up a second time round, cant take that.

[BRIGADIER2JCS]

Start on just 2 of the longer outstanding loans check your credit files

to get default dates and balances,are any of these 6 years old or more?

[elvis2003]

I can check that, but my main prority is people around me... reason am gambiling is to try win their money, but i got deeper and deeper and borrowed more and more - now am screwed - cant get a loan to pay them back cause my credit that bad--- if i could got a loan i would got one for 3.5K paid them back then -- wiped the slate clean and made repayments on my loans,.. I no its sounds all good, that would be my intentions... At the min just no chance or breathing space for me and the clock is ticking for me now. just cant see now light at end of tunnel

[BRIGADIER2JCS]

Please don't dispare, seek professional help as soon

as you can, I can understand you wanting to pay your

friends and family but you must look at the fines first

you will do no one any good if you get arrested for non payment.

 

It really is most unwise to pay off a debt by borrowing more

money a very visious circle.

[elvis2003]

yes i guess your right but the speeding fine and and parking fine are no more then 100 together, so other things are all larger amounts, i wiill be able to resolve the fines come pay day, its all the other stuff i will not be able to deal with

[BRIGADIER2JCS]

Always best these days given that the courts are

using some very agressive baliff companies to

collect outstanding fines.

 

Keep posting here work on the suggestion we have made, clear one

or at most matters first, then go on and do the same again.

 

No one is going to be judgemental here the help is honest and reliable!!!

[renegadeimp]

Yep. Brigs is completely right. If you need any help or advice, then feel free to post on here.

[oldgirl]

Brigadier is right, no one on here will judge you and you are facing up to things now, there are many knowledgable people on this site who will give you plenty of help, unfortunately i am not one of them but can offer a bit of moral support, facing up to things is the first step and as Brigadier says don't borrow more money to pay existing debts off or it'll be a never ending story, chin up you've got friends on here.

[Kitten1]

As a fellow compulsive gambler, I can more than empathise. Firstly, you need help with the gambling. It's amazing how much money you actually have when you stop gambling, even for a short while. I go to GA and it works for me. They have a website with details of all meetings as well as a forum which acts as an online meeting.

 

If you gamble online, consider gamblock for your computer. Google it.

 

Next, work out what your priority bills are - you live at home so these will be court fines, ccjs etc. How much housekeeping do you pay? Etc.

 

Then work out how much money you need to pay for petrol etc to get to work, service your car, tax, mot it etc.

 

Whatever is left is what you can pay off your debts.

 

There is hope out there. You can do it, just have faith in yourself.

 

Good luck!

[elvis2003]

Thanks a lot for the help and support it means a lot to me..I am just drained and exhausted with it all today if being honest, think the realisation has hit me hard today- I no noe one has got a magic wand and i can only pull through this my self... I will post back what my next step will be - that many things running about in my head at the min, am just trying to work it all out.

[wilko011178]

Hi, i also can emphasise with your situation. would be interested to know how things turned out for you?