Hi
I am a 61-year-old mother of one daughter from Finland. We live on the island of Hailuoto, off the coast of Oulu, with my daughter alone. We moved there in 2015 and I applied for a 200,000 euro loan to make this dream come true. I had been at the same job for 21 years at the time and knew that I would get through my loan before I retired.
No one knows what the future holds.
In July 2023, I had to retire on partial disability due to a fracture in my back, right arm and tailbone. In October 2023, my right shoulder was operated on and a prosthesis was fitted. My hand did not recover as expected and my sick leave lasted for over two years and is still ongoing.
My employer fired me from this job because of that in October 2024. I had worked in the same place for 30 years. My back is awaiting an operation, as is my tailbone, which has been broken for several years.
My income dropped drastically. In addition, I was scammed online in the summer of 2024. The scammers took out two loans in my name for a total of €15,000 and charged a total of €14,000 from my credit cards. I have already accumulated €240,000 in debt. The mortgage is already five months late, after the sixth it will be foreclosed. Our home is very dear to us and we cannot give it up. I have not been able to pay off any of my credit card debt. They are already in collection, as are most of the bills.
I don’t know what to do anymore. It’s as if some curse has taken over my life. Can you help? 🙏🏼
PayPal is; villiruusu77@outlook.com.