Hi and help please?

[Word-Soup]

I haven't taken offence at the work comment. I'm grateful for the help, thank you.

 

I have tried many time since I was young, but working in mainstream always makes me worse.

 

Over the years (since I was 17) I have tried to work around people many times, but it always ends with me getting ill. I could last in the job 6 months, or a year, or 18 months, then would start getting massive panic attacks. I had no choice but to leave.

 

When I worked at Lloyds for 18 months I found they almost threw their products at me, loans, credit cards, it all got out of control. Had I managed to work myself through it ... so I kept telling myself ... it would be okay. It wasn't and everything spiralled out of control. I moved my account to Nat West and thought ... fresh start. Then took a degree in the Arts, finished in 2012 and got a first, so I am capable of doing things, but... in the process I accumulated more debt in the way of student overdraft. I thought that Nat West had frozen the account January 2013 when Lloyds did, but they didn't and now I have to deal with it all over again.

 

It just all seems so hopeless and I can only see bankruptcy as an answer. Even though I don't have the fee for the bankruptcy and don't know how I'd get that much money together.

 

I don't feel right about sending my bank my medical details though, has anyone else been asked to do this? Why would they want it?

[SabreSheep]

Ideas on how to possibly reduce your debt.

 

1) Any Credit card debts? If so Check for PPI and Credit card penalty charges such as overlimit + late payment

2) PPI on any of the debts?

[Word-Soup]

There's no PPi to reclaim worth looking at. There will be numerous penalty charges though at a guess. I haven't looked in to that aspect.

 

I'm just so fed up of it all. Sorting it out is tough.

 

As I see it I can either carry on paying £1 per month for ever and a day, or go bankrupt and wipe the slate clean.

 

If the total were under £15k there may be another way. But that would mean reclaiming £5k of charges, or paying off £5k to bring it under the threshold and I just can't see that happening.