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Hello everybody,
It may seem like im being a pest and repeating my origial post but my problems cant be put into one catergory.
You help me with reclaiming my bank charges and for that i thank you.
Now i need some advice for my debt problem.
Here is a little bit about me from my other post........sorry to post it again.
For the past 6 years I have suffered from severe social anxiety, agoraphobia and depression.I find it very difficult to meet or speak to new people and i hardly ever leave my flat. It started out of the blue ( before this i was a dancer, model,actor and i was debt free) and over the next year it got worse.I lost all my so called friends and the rest i was to ashamed to tell, including most of my family.i was left with 4 people who knew about my illness who were a great help. i was made homeless and it got to a point where i decided to end it all. I rember i was on a roof of a high rise block getting ready to jump when a gust of wind nearly blew me over. I dont know if it was realization that i could have died without my control or the shock, but right then i decided to get help and at least try to beat this.After many letters i started getting help. i was put in temp housing and was seeing the mental health team. Over the next year things started looking up, i was managing to go out (only at night with the cover of darkness) and i had the support of the few friends and family i had left. i could see an end to this but then it all went wrong. I was put in a flat miles away from what little support I had and i was left to rot for 2 years without even the basic aminities. The flat is 15ft away from the train lines so i cant even have my windows open because of the noise. at night there are the big trains and also the workmen that are constantly drilling. i dont think i have had a proper nights sleep in 4 years. . dont get me wrong, i was grateful for the flat, its just it was so far away and left me isolated. i never once left the flat in this time. all my shopping was done online. my computer was all i had in the flat. This awful time ended when a family member came to see me from over sea's and couldnt beleive the state i was in, he complained to whoever and i started to get help again. but this wasnt the same as before, the doctors changed every month which meant new pills and I had to meet these people and explain all over again which got to much to bare. The pills made me ill and i was getting worse so I stopped seeing anyone. Now i am again left alone without any support and my illness has deteriorated.
over the years i ran up alot of debt totaling over £40,000. at first i was paying it off but then i had to use the loan money to pay of the debt. last year i got an IVA which i defaulted on a over a year ago. during the last few years im ashamed to say i had a bit of a gambling problem. It maybe because it was a way out of my depression, even if it was short lived.
you see, my illness kept me isolated and alone. i was ashamed and confused about my illness and i locked myself away for many years.
Its been a while sice i have heard anything from my creditors. I think i had about 4 letters last year. the only company that threated me was the one i owed least to. I paid that off with my reclaimed bank charges.
I still owe ove £40,000 and i cant afford to go bankrupt at the moment.
What are my options?
do i just leave it and see what happens?
If they eventually contact me and take me to court what could happen. I dont have any assets and i doubt i would even be able to leave the flat to go to court.
My credit file still states that i owe this money and am defaulted on all credit aggreements. will this infomation stay on my file forever.
What would the courts say about this?
any help would be appeciated
kind regards
It may seem like im being a pest and repeating my origial post but my problems cant be put into one catergory.
You help me with reclaiming my bank charges and for that i thank you.
Now i need some advice for my debt problem.
Here is a little bit about me from my other post........sorry to post it again.
For the past 6 years I have suffered from severe social anxiety, agoraphobia and depression.I find it very difficult to meet or speak to new people and i hardly ever leave my flat. It started out of the blue ( before this i was a dancer, model,actor and i was debt free) and over the next year it got worse.I lost all my so called friends and the rest i was to ashamed to tell, including most of my family.i was left with 4 people who knew about my illness who were a great help. i was made homeless and it got to a point where i decided to end it all. I rember i was on a roof of a high rise block getting ready to jump when a gust of wind nearly blew me over. I dont know if it was realization that i could have died without my control or the shock, but right then i decided to get help and at least try to beat this.After many letters i started getting help. i was put in temp housing and was seeing the mental health team. Over the next year things started looking up, i was managing to go out (only at night with the cover of darkness) and i had the support of the few friends and family i had left. i could see an end to this but then it all went wrong. I was put in a flat miles away from what little support I had and i was left to rot for 2 years without even the basic aminities. The flat is 15ft away from the train lines so i cant even have my windows open because of the noise. at night there are the big trains and also the workmen that are constantly drilling. i dont think i have had a proper nights sleep in 4 years. . dont get me wrong, i was grateful for the flat, its just it was so far away and left me isolated. i never once left the flat in this time. all my shopping was done online. my computer was all i had in the flat. This awful time ended when a family member came to see me from over sea's and couldnt beleive the state i was in, he complained to whoever and i started to get help again. but this wasnt the same as before, the doctors changed every month which meant new pills and I had to meet these people and explain all over again which got to much to bare. The pills made me ill and i was getting worse so I stopped seeing anyone. Now i am again left alone without any support and my illness has deteriorated.
over the years i ran up alot of debt totaling over £40,000. at first i was paying it off but then i had to use the loan money to pay of the debt. last year i got an IVA which i defaulted on a over a year ago. during the last few years im ashamed to say i had a bit of a gambling problem. It maybe because it was a way out of my depression, even if it was short lived.
you see, my illness kept me isolated and alone. i was ashamed and confused about my illness and i locked myself away for many years.
Its been a while sice i have heard anything from my creditors. I think i had about 4 letters last year. the only company that threated me was the one i owed least to. I paid that off with my reclaimed bank charges.
I still owe ove £40,000 and i cant afford to go bankrupt at the moment.
What are my options?
do i just leave it and see what happens?
If they eventually contact me and take me to court what could happen. I dont have any assets and i doubt i would even be able to leave the flat to go to court.
My credit file still states that i owe this money and am defaulted on all credit aggreements. will this infomation stay on my file forever.
What would the courts say about this?
any help would be appeciated
kind regards
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