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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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bcham

volentry ,work programe.

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my provider keeps on at me to go for volentry work,im a 55 year old male ,but dont fancy working in a charity shop ,

can they make me do this,and sanction me if i dont.

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my provider keeps on at me to go for volentry work,im a 55 year old male ,but dont fancy working in a charity shop ,

can they make me do this,and sanction me if i dont.

 

I started doing voluntary work for my Local Credit Union 20 years ago, and it is one of the best things I ever did. Then continued to do shifts helping out at the CAB. There is a great deal of satisfaction to be gained from doing work to help the community with like minded individuals, I can highly recommend it, and I know they are always looking for helpers.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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my provider keeps on at me to go for volentry work,im a 55 year old male ,but dont fancy working in a charity shop ,

can they make me do this,and sanction me if i dont.

 

You should be able to find some voluntary work that suits you - not all voluntary work is charity shops. This is a great site and has opportunities in lots of different fields, close to where you live (254 near me).

 

http://www.do-it.org.uk/


We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Hello there.

 

When I was recommended to do voluntary work, I was put in touch with the local volunteer bureau who found me a couple of interesting things. Neither was working in a charity shope. Is there a volunteer bureau near you?

 

My best, HB


Illegitimi non carborundum

 

 

 

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Volunteer is misnomer. When you're forced to work for no pay it's not voluntary work, it's workfare.


"Ask not what your country can do for you, ask what you can do for Poundland"

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It depends on your point of view I suppose, personally I would rather be out and about than sat at home watching loose women and Jeremy Kyle.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Volunteer is misnomer. When you're forced to work for no pay it's not voluntary work, it's workfare.

 

I agree that if you're forced to work somewhere that will have no impact on being able to get a job, it's pretty pointless.

 

But volunteering voluntarily (sounds funny when I say it aloud) in an area that you have chosen where you're properly trained can be helpful to get a job, helps the community and gives something back, and gives a 'feel good' factor and personal benefits like confidence and self esteem.

 

And yes, benefit claimants are treated poorly by this government, but so are those groups in need of volunteers. If we can help, we should. In the same way that we say that those who condemn benefit claimants, would change their tune if they needed to claim - one day we might be the ones in need of a volunteer service. What goes around comes around and that includes help.

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We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Volunteer is misnomer. When you're forced to work for no pay it's not voluntary work, it's workfare.

 

Although I am of recent taking a break from voluntary work I have spent some five years doing voluntary work in the Mental health sector.

The work was very rewarding. It gave me a purpose in life and I felt proud and was somebody.

I gained valuable experiance and attended courses gaining qualifications, all paid for by third sector or local authority.

I actually managed a patiants council, arranging the rota, arranging meetings with mental health ward managers. I took minutes and published them. I took on new volunteers. I sorted travel expenses for volunteers. I almost done everything.

I was on the board of a local mental health advocacy organisation.

 

I am held with great regard in my local mental health sector.

I was offered a job with one organisation but took ill and spent some time in hospital before I could start.

 

All this before the torys were'nt voted in to government. All this before work program or work fare existed.

 

All this because I wanted to change my life around and work towards employment.

However because of my heart conditions, staying in hospital for months and all the health problems I am suffering with this has all set me back.

I do believe when ready I will be back there volunteering and will gain employment in the sector and the work I LOVE DOING?

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The only problem I have with finding VW is the cost to get there and back.

I live very rural and would be looking at a lot of money travel wise, on an already low income.

This would also be via a bus as driving is not on my spectrum at the moment with the depression.

I know some charities offer help with costs, but I have not found one yet.

 

I also would be more suited to working alone, (well not in a crowd of people) one or two.

I have registered with do-it-org.

 

Got my name down for one local charity shop but can only go by when require new staff.

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