Hello, My name is Scott and I’m asking for your help because I no longer know what to do. The short version is my partner and I are severe debt, totalling almost £30,000 and we can’t get ourselves out.
When my partner lost his job we were already on a very tight budget due to not working in very well paid positions. Having no job meant we ended up having to take out a loan to cover expenses, but when their unemployment continued on, each passing month grew harder and harder. Eventually we took out another loan to try help us with the debt we were already obtaining. But it got worse, and so we did a stupid thing and took out another loan, and another. Bank loans and payday loans, one after another. We didn’t know what to do. We just couldn’t pay back anybody. Our credit card has been maxed out for months, and every pay day I try to pay off something towards it, only for the interest to then put the card straight back into the minus.
We’ve suffered for almost 3 years. Each month we’re convinced will be the month when things start to pick back up, but every month is worse then the last.
This last payday we’ve hit the ultimate rock bottom. We have nothing left and no way of obtaining any more money. We’ve got empty cupboards and are scrounging for food. We have a puppy, the love of my life, and what little money we find is used to make sure he always has something to eat, even if it means my partner and I don’t eat for a day or two just to make what we have last a little longer.
I’m humiliated, embarrassed and so desperate. I have nowhere left to turn but to ask strangers on the internet for help. I don’t know if this will work, I don’t know if a single person will even read this let alone donate some of their own earning to help us, but it’s all I can now do.
If you do help us, please know I am so unbelievably grateful and that if I find myself financially secure one day, not only would I never ever touch a loan again in my life, but I would come back here and help somebody else out. Pay it forward as thanks.
Thank you for taking the time to read this, and thank you even more if you help us out.