I hope you are all well.
This is new to me. I am so desperate.
My name is Alefa and I am 43 years old, will be 44 years old on Saturday.
I would like to beg for some money to pay for last year’s utility bills, unending overdraft, rent arrears and credit people.
Ok, so I became a single mum when my son was five months old. I have raised up my son by myself financially. I met John, my so called husband over two years ago. We discussed of getting married. He asked me to go and look for the ring so my friend and went to H. Samuels, they had a lovely pair on sale at £1000.00 which was an engagement ring and a wedding ring so I sent him a photo of that tried on and the man blasted me that I have hurt his feelings for choosing such an expensive ring. So i said to him that then he should have just gone and get one he could afford instead asking me to go and choose. So, anyways, he told his 16 year old daughter and she had a go at him for having ago at me about the rings. So, during the week he came over and he took me to Warren James to chose the engagement ring. When it came to paying his card was declined, and then he asked his boss if he can use the company card and pay back later, his boss said yes but because the metal bit was bent so it didn’t work either. So he asked me if he could use my card and he will transfer some money to pay back when he goes to the bank, so i said yes, to save his embarrassment in the shop. But that dug me dipper into the overdraft, the ring was £445.00. He never paid back that money as he said its my ring anyways. He used to come to our (me and my son’s flat) every weekend and during school holidays with his two kids, boy and girl, 10 and 15 but he never really contributed to shopping unless it was beer/lager or juice and porridge for his son. So that drove me deeper into debt.
Then came the wedding things, my foster family are the ones who contributed almost everything for our wedding, they paid for my dress, the venue and food, the cake, my son’s wedding outfit, gave us more money towards the honeymoon. The money my foster mother gave me for my birthday, as it was the day before the wedding also went towards the flowers etc. He kept saying he doesn’t have money as he has paid his ex wife so much for child maintenance and he said after the wedding we will put our monies together and that should clear up my overdraft. It never happened. We also agreed to put all the bills in my name so I can do the direct debt from my account as his account has a bad credit report. So, all the bills were in my name but he never put any money in my account or towards the bills. Then i found out that the reason his bank account is always bare as soon as he gets paid was because he cashes the money straight out and hides it in different places one of them being inside one of his shoes.
Any ways, a year on he has left me in more debt, he has moved out as he doesn’t want to pay half of the bills. For example, last year’s gas bill to be paid is just over £900.00, Electricity unpaid of last year is just over £700.00, I have the water bill which i cant find right now but will update or answer any questions.
I can not work anymore as I have got fibromylagia (which has gone worse since we moved into this house together) I can hardly walk anymore, cant wash myself anymore, i am dependent my son to help me going to the shops or some of the house chores. I also have hypothyroid, anxiety and depression which also makes it worse in my day today life. A friend of mine comes and helps me wash a few times a month.
I am in arrears in rent as he was supposed to pay £270.00 towards the rent per month but he hasn’t, so i have started doing it myself which actually ends up living me with only £50.00 per month towards my son’s guitar lessons (GCSE) and food and other groceries.
My council tax, I am also in arrears which I am trying to catch up on a monthly basis.
As I used to be self employed, I got a letter saying they over paid my child and working tax credit so not the are recovering which is thousands of money and i don’t understand why penalising me as they (HMRC people) are the ones that messed up their calculations. I also have been asked to pay about £1200. 00 as a penalty for late submission of self assessment form which i didn’t know about.
I have to pay more than £2000.00 in legal fees because I am fighting for my son to get his share in inheritance as his dad passed in 2013 so i am still fighting it.
I have asked John to at least help with last year’s bills, he has refused saying he doesn’t live here anymore etc
I will answer any questions etc. But please, I need your help.