My name is Kelly & I am here to ask for your help.
I have gotten myself into some debt & now I feel like I am drowning. It’s piled up over the last few years due to some unfortunate events, & with me suffering from depression & anxiety, I don’t reply to any of the emails, letters or phone calls I receive demanding repayments.
It all started a few years ago. I badly broke my wrist & had to have a couple of weeks off work. This was around Christmas time, so I had to miss out on paying my rent. My landlord was cool about it, but I then had to pay £500 a month until I was paid up. This lead to me falling behind with other bills. Then when I got myself back on my feet, my dog was diagnosed with cancer. For a year I paid around £300 a month for his medication & checkups, thus falling deeper into debt.
People often ask why I don’t have pet insurance. I was scammed by a company a while back & now I don’t trust them. I lost out on a lot of money & they never helped me, not once.
I lost my dog in the end, & my nan also past away two years ago, both to cancer & both within months of each other, which is what brought on my depression & anxiety. I didn’t deal with anything for the longest time & the letters kept coming & my debt kept piling up.
In the end, I ended up turning to payday loans, but each month I struggled to pay them back & I got more to help pay off the others. I ended up with around six different ones & I was paying out more than I was earning. My payday loans come to around 4K I believe…
Last year I finally decided to get the help I needed, & I ended up on a DIY payment plan. I’ve got some of it under control now such as the payday loans & my gas & electric (don’t even ask how much I owe them), but only last month my other dog had a lump, but thankfully it was just a cyst, but I had to pay around £220 to get it drained & for her mess. Again, this was around Christmas time.
Then to make things even worse, she ate a full packet of chewing gums a week later & had to be rushed back into the vets to have her stomach pumped. That cost me another £115, but it could have been a lot worse.
Due to these unexpected events, I had to miss paying my rent again & now I’m having to pay £500 a month, so I am missing my council tax which I am in areas with.
I’ve just received a dreaded brown letter saying they’re taking me to court & want the money in full. £612 to be exact & I have until the 20th of Feb to pay this off. The tax year ends in April, so there’s no way I’ll be able to afford to pay around £300 council tax plus £500 rent & still afford to live. I have other bills I’m struggling to pay, so I really don’t want to fall behind with those too.
I understand that this is my problem, but I’ve been told you can go to jail if you don’t pay your council tax. I’m asking for help & I’d even be willing to pay it back at an affordable monthly cost. I don’t expect anything for free.
I work hard & long hours, & I only spend what I can afford, if & when I need things. I don’t have a life because I can’t afford one.
I need the £612 for my council tax & £300 to get my rent up to date. If anyone would be so kind to donate £1000, or even lend it to me – I’d be SO grateful!
I honestly don’t have anyone else to ask. My family aren’t that well off, so I cant really ask them to lend me money. They definitely don’t have a grand lying around.
Thank you for taking the time to read this. It means a lot.