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Last Updated: April 12, 2021

Extreme Financial Debt. Please help

Hi everyone,

Thank you so much for taking the time to read my story and request for help. I am in a serious situation and don’t know how to get out of it. I have never done this before and feel quite bad asking strangers for help, but I dont know what else to do.

I am currently £20,000 in debt and only 24… It all started with a credit card when I was 18. Of course I didnt know what I was doing and spent it like crazy (£500 limit). Then Christmas came and I wanted to spoil my family and my work had a loan thing on, where you would have low interest, so I decided to do this, so I could pay off my credit card and treat my family. Obviously I now know how stupid this was, but I was 18 and didn’t know anything.

Anyway cut a long story short and with more credit cards and loans I have managed to rack up a huge debt. £10,000 of this debt is from Lendable and the other £10,000 was with my bank, but I have borrowed my baby brothers money with my Mums advise. (She doesn’t know about the other £10,000).

So I am currently paying off 2 lots of debt. One of which is my brothers which needs to he paid off! I am currently working as hard as I can to pay these off but I am panicking and can’t afford life.

I know this is all my fault and most likely people have stopped reading by now, which I totally get, but if there is anyone still reading this, please may you help me. Anything would be amazing so I can start paying this off and getting back to living again. All I seem to do is worry about money and I dont know how to enjoy my life. I never go out because I can’t afford it. Havent ever been to a proper party or gone out properly. I feel I am wasting my life and dont see the point of it at the moment.

Sorry for rambling, but honestly any help you can give I would appreciate it so much!

Again thank you for reading

https://www.paypal.me/shanz96

Filed Under: Uncategorized Tagged With: UK

Last Updated: April 12, 2021

Single Parent Debt and the Road to Recovery

From the bottom of my heart, I would like to start by thanking you for taking the time to read my request for help. I hope that this message finds you and your loved ones well in these uncertain times.

As a parent, we always want what is best for our children. Having raised my son alone (since becoming a mum at a young age) I’d like to think I have done a reasonably admirable job and my son is always at the forefront of all that I do. Which is what compels me to write this appeal seeking your kind assistance.

I am not ashamed to admit that I suffer from more than one debilitating mental health condition which means that I have not been able to maintain employment since I was 19 (which I find particularly frustrating as I had always worked alongside my parents as a child and then independently throughout my teens). I have worked hard over the years in various therapies to ensure my mental health is stable enough to take good care of my son but, unfortunately, I have never been well enough to withstand the additional pressures of employment.

Thankfully, I have been able to manage some small voluntary roles in my local community throughout my son’s life and this helps me feel I am contributing back to society in some small way. However, it does not aid my financial situation and we get by on state benefits – for which I am eternally grateful to receive but sadly does not stretch very far beyond the necessities.

Further contributing to my difficult situation is the sheer volume of debt I accrued when I was a young, single parent living alone with mental health problems and absolutely no concept of money management. My mental health conditions further compounded the debt problem I found myself in (because I spent years unable to open my post) and it left me with a huge amount of debt to my name.

Thankfully, with the help of a wonderful therapist and some exposure therapy, I was able to start opening my post a few years ago and have steadily been paying off my debts. Where I once had debt exceeding £6000, I have now got it down to just under £3000.

The reason I have shared this information with you is to explain some of the barriers I have had in both learning to drive and purchasing/ maintaining a car. Until such time I repay all my debts, I cannot afford to purchase driving lessons, a vehicle or pay for insurance and car maintenance.

As I mentioned at the start of this appeal, my son is my whole world. He is an exceptional child who always works hard and does his best both academically as well as in all his sporting endeavours. He is particularly talented at football and at a young age has shown a level of dedication to his sport that I admire greatly.

My role as a parent is to facilitate, to the best of my ability, helping my son to achieve his goals. Unfortunately, as he grows older, I am finding that not having a car to help transport him is limiting his access to further training in the sport he loves. His hard work and dedication earned him a place in two football development programmes (the precursor to football academies) in the year before lockdown.

But what makes my son even more remarkable is that he suffers from a hypermobility disorder that means he is often in a considerable amount of pain, especially after intense exercise. Despite this, he has a fierce desire to pursue his passion for football. Sadly, I had to make the difficult decision last year as a parent to remove him from one of the development centres. This was because it was a one and a half hour bus journey home, late at night when he was more often than not freezing cold/ wet and in considerable pain. This meant getting home very late at night and not leaving time enough for him to do his physio exercises, take a hot shower and massage the pains in his legs (which he needs to do before bed or he is in too much pain to attend school the following day).

However, if we had a car it would mean that he would not have to endure such a long journey home late in the evening (the training is only a 16 minute drive away in a car) and would give him time to carry out the self care he must do in order to reduce his pain levels when he gets home. This would mean he could resume the training he worked so hard to earn a place at.

A car would also be hugely beneficial to us as then we would not have to take public transport to his weekend matches and development centre training/ tournament days (which can also be a substantial distance on public transport). As life returns to some sense of normality following the Covid-19 pandemic, a car would make our life considerably easier all round, especially during times when my son suffers intense episodes of pain associated with his hypermobility disorder.

Which brings me to my bold request for your kind assistance. If you felt willing and able to do so, I would be eternally grateful for any financial assistance you might be able to offer in order to help me pay off my outstanding debt and secure the purchase of (and first year’s insurance on) a small car please.

It is my intention to put in the hard work to save and pay for my own driving lessons. But I can only do so if and when my debt is cleared. It would also be immensely helpful if I had a fully insured car in which to practise driving in preparation for taking my driving test (a friend has kindly agreed to help me gain driving experience if/ when I can purchase a car).

Clearing my debts and buying a car would go such a long way to drawing a line under years of feeling like a failure and moving our lives on to the next, debt free and independent, chapter.

In total, my request is for your financial assistance amounting to £5,500.

£3000 would repay all my debt; £2,000 would cover my first year’s car insurance (this is an average from quotes I obtained on compare the market.com); and the remaining £500 would be to purchase a small car.

I appreciate this is a huge request coming from a complete stranger and I am certain that there causes out there which are more deserving of your valuable time, kindness and generosity. However, my son is my whole world and my pride is a small price to pay if writing and asking for your help might mean he has a better chance of following his dreams.

I’ve spent almost a decade trying to undo the financial mess I got myself into when my son was young and I feel now is the right time to reach out and ask for some help over the final hurdle. I really hope you might please consider being the person who could provide this help for my family.

Whether or not you are able to assist in any way, I would like to thank you sincerely for your valuable time and consideration that has been taken reading this request for help.

Wishing you all the very best.

Amber

paypal.me/moonrise19

Filed Under: Single Moms Tagged With: UK

Last Updated: April 12, 2021

Life’s hard and I’m just trying to make it.

My name is Jamie. I’m 18 years old about to turn 19. My life’s been really hard and I don’t want anyone to feel sorry for me but I’m in great need of help. I’m pretty embarrassed to be on here because all my life I’ve had to beg for money. It’s not the best feeling. It started when I was young, 4 years old to be exact, my mom would take me and my younger siblings to gas stations and transit stations to ask for money. Once we got a certain amount of money she left for about 8 years and we stayed with my grandma. My mom was on drugs and ran off with my step dad and her newborn baby my little sister. When I was 12 she came back to get me my other sister and my brother. I’m the oldest btw. Neither of my parents had a job nor did they ever. We were always moving from house to house because they wouldn’t pay the rent or lights or water and we would get kicked out. I’ve lived in the streets, at other peoples house and hotels. I was abused for most of my life and since I was the oldest I would get blamed and hit for everything. Not only was I abused mentally and physically by my parents but I was sexually abused by men as well. My mom should have knew better since they were so nice to let us stay there but she was on drugs so I can’t blame her and I don’t hold it against her. Once I was 15 I got into foster care my family was split up and I stayed til I turned 18. I’ve been working since 16. I’ve had to get my own apartment and maintain keeping up with being able to pay the bills on time and never being late. I got me a roommate who I had considered my friend but turns out she wasn’t. We lived together for about 5 months. I was working my ass off doing 60 hours a week plus as much overtime as I could. She was on drugs and quit her job and started not paying her half of the bills and I let it slide and paid for her for 3 months. Then I got sick of it and told her she had to pay the next month or else she would have to get out. Well she didn’t like it because when I came home from work she completely ruined my apartment. She scattered my clothes broke all my stuff threw chocolate milk, kitty litter, bleach, oil, bread and much more all over my clothes she poured out all my shampoo and conditioner and messed up my restroom bad. I had nothing but my work clothes and the stuff I had in my purse. I had a jar in my closet with about $2000 I was saving for college and she took it. Everything that was valuable she took. Everything I worked so hard for she took from me. I was devastated, I had no where to go, I only had $58 to my name. I had no car, my home was destroyed and no friends she was the only person I talked to. I was late to work most the time so I got fired. The landlord has been really nice to me and has been helping me by not kicking me out for not paying rent for the past 4 months I’ve been giving him most the money I have but with no job it’s hard. But I’ve been doing side jobs and trying to find work and a job. He said I have another month to pay him what I owe ($2,600) or else he has to kick me out. My rent was $800 and he didn’t charge me for the light bill. Anything would help I would be so grateful for anyone who helps me get back on my feet. I haven’t done nothing wrong in my life to deserve this but can’t do nothing but try hard to get myself out this situation.

@jshorty18

Filed Under: Rent Tagged With: UK

Last Updated: April 12, 2021

University Accomodation fees are expensive

Hi! I’m a hopeful music therapy student wanting to study away from home for the first time in my life.

Music therapy is the use of music and music tuition to rehabilitate or support people from all backgrounds. Young vulnerable teens and dementia patients alike, music therapy is a resource that can seem less daunting than Cognitive Behavioural Therapy to those in receipt of it.

Sadly I’m not 100% sure I can afford it without working several jobs alongside, which at that point, wouldn’t leave me enough time in the day to do my university work or my clinical placement.

In the past, I have avoided moving away from home to study as I couldn’t afford it and ended up doing my initial bachelors degree in the same town I was raised in. This isn’t an option for my masters in music therapy, and if I could study from home and save the money I would, but I can’t commute the distance I would need to travel several times a week as I suffer pretty badly from insomnia and fatigue is a real issue that goes alongside it. So a journey of more than thirty minutes after a night of no sleep would be impossible.

Unfortunately, unlike an undergraduate course, there’s no maintenance loan for postgraduate degrees as it is expected that your family will support you. My family is low income and the thousands of pounds it costs to live away from home is not something they can help me with other than the odd £20 here and there for food or transport. This would barely cover a fifth of the living costs I would incur a week.

I’m not asking for a mysterious donator to come out of the woodwork and drop a year’s worth of rent onto my lap, but if I could scrape together another month of rent, it’s another month where I’m not worried about making ends meet. I feel awful about posting on a platform such as this one, but I’m getting desperate. Each months rent, with bills included, is around £500. I understand that this is a lot of money, but it is the price of freedom for me.

If you should see me as a worthy cause then please consider donating, even if it’s only a couple of pounds it would be greatly appreciated.

Thank you so much for reading my story and possibly even considering it.

Should you wish to donate, my paypal.me link is paypal.me/kayleycharmagne.

Filed Under: Student Loans Tagged With: UK

Last Updated: April 10, 2021

Help for mum

Hello,

I’m hoping someone can help me, help my mum. It’s a very long story but I will try to keep it concise. My parents met in 1992, and very quickly fell in love, married and had my brother a year after getting together. My mum was 30 and had put her entire life savings into the deposit for a beautiful house, my dad chipped in but didn’t contribute as much as mum. I was born 3 years later, everything was great. My dad worked full time, mum had multiple part time jobs whilst me and my brother were at school. My parents divorced when I was 8 years old, and my dad earned more than my mum so when they divorced he bought her out of the house for £50k. My mum was 41 and she had to start again, with £50k. My mum searched and searched for a new home, and of course needed to be close for me and my brother to see her, eventually she settled on a flat in the same town, but it wasn’t very nice, unfortunately all she could afford in the area, as the house prices had soared. She always knew it was going to be a challenge, she wanted to decorate the whole place, and she had to get a full time, stable job to secure a mortgage etc. She became a public sector key worker, full time, and I am so so so proud of the contributions she makes every day to society. Anyway, years and years passed and if I’m honest she doesn’t earn a great salary, and she works long hours she’s really struggled with getting round to do it, and I know that she’s struggled with the loneliness. As I have got older I’ve only been able to appreciate how hard it must have been, moving away from her two children, having them once a fortnight, it breaks my heart. I’m now 25, and I go to my mum’s flat every day for a cuppa tea (I still live at home with my dad and brother, in the house she worked so hard to buy and keep) and I try my absolute best to help as much as I can. I have an average job, and will always help put financially, and try to help round the flat, but I’m no DIY expert, I have an admin job. Nonetheless I recently carpeted her hallway using carpet tiles, it’s not the best job but it’s an improvement, I paint and even managed to laminate her kitchen floor! She is so appreciative and just wishes she had the money and time to do it all. Her wallpaper in the bedroom is falling off the walls, it’s woodchip so is in need of removal and re-plastering, the Window wood is starting to rot so I think it may need replacing, her kitchen and bathroom are over 20 years old, she hasn’t replaced the curtains or blinds since she’s moved in and it’s because she spends almost every penny she earns on her mortgage, bills, and food. I would absolutely love to be able to give her £15,000 to do her bedroom, kitchen and bathroom. I do help where I can but I can’t afford to help her as much as she needs. I slip money into her purse occasionally, every little helps I guess. She’s saved money from birthdays and christmas, I think for the last 2 years, as she would like a pair of bifocal glasses so she doesn’t have to constantly swap glasses to see properly. I think deep down she would like to sell her flat, and buy a smaller, but nicer flat. But unfortunately her flat is leasehold, and it only has 65 years left on the lease, so realistically she’s not going to be able to sell it. It will cost around £30,000 to extend the lease to 99 years, which is more likely to sell. She’s told me she feels trapped and she always pretends she’s fine and “what will be will be” but I just wish I could do something to help. That’s why I’ve come here today. I’m not really sure exactly what I’m asking for, but every little helps. If you are able to help, thank you so so much. She really is something else is my mum and there is no one more deserving than her. My PayPal link is @chloe699798

Thanks for reading and wish you all well

[Read more…]

Filed Under: Wishes Tagged With: UK

Last Updated: April 10, 2021

Near to Bankruptcy – need help

we are a family of 4. That is my two sons and my wife and me. we purchased our home 18months ago but because of the funds that we have available at that time we could not purchase the house with the size that we needed. so had to settle for something smaller.

After living there for a while I found that I could get a loan to pay for an extension. I got a £30k loan and started the extension using the £3k also we had in our savings. unfortunately, the cost was a lot more and we ended up adding an additional 8K to a credit card. the monthly payment for the loan was £499 per month and the credit card payment was more than I could afford. I tried to manage it but somehow even after selling some of my personal belongings I could not pay it off, now it has spiralled out of control as my outgoings are more than my income. My credit card debt is now 24K they have been increasing it and I am at a point where I will end up going bankrupt.

I am looking for any help that I can get, even if only a small donation may help to resolve it. Ideally, I would like to pay off the credit card debt and then I will manage the Loan myself, as I still have £27K left but I can manage that just about within my monthly income.

paypal.me/mathewwilcoxcred321.jpg

Filed Under: Uncategorized Tagged With: UK

Last Updated: April 10, 2021

Changing our lives

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Not really sure where to start. This is likely a situation you’ve read a lot either here or elsewhere.

 

Both my wife and i are key front line workers. The last couple of years have seen us rack up debts, for Visa’s (my wife is from North America and i the UK) to loans to keep us afloat. I worked with people with learning disabilities for 14 years. At the beginning of lockdown my section was closed as i had recently been moved to a respite service, which wasn’t safe during the lockdown. I was furloughed and eventually the company decided to restructure my department and i was made redundant. It was a blow, i always considered i’d spend my whole working life there.

 

My wife was working in Nursing Home with eldery residents. After an outbreak in which she caught (and thankfully recovered from) Covid, it saw nearly half the residents die. After working through that the Home made the decision to close because it was no longer viable. Making her redundant within a month of me.

 

Due to her immigration status we have no recourse to public funds, so are unable to recieve help. I got further employment, this time with the elderly, in a brand new setting. I’m struggling with this due to the change in the type of service, and missing working with those with Learning Disabilities. But needs must.

 

We are struggling to make a lifevfor ourselves. While we should have a home, and be building towards our future, were instead stuck with debts and bills piling up.

 

I don’t really know how to ask for money. I don’t know how much to ask for. To sort everything out would take tens of thousands. But honestly, even the smallest amount would help.

 

I know there’s more people deserving, i know our situation isn’t unique and that so many have suffered. I’m just trying absolutely everything i can to keep us from drowning. My wife is a wonderful person, the best i’ve ever met, and deserves more than our situation has given us.

 

If you can help, then i would be so so grateful. I don’t really know what else to say if i’m honest. Just thank you for reading till the end. I’m grateful even for that.

 

P.s they asked me to provide a photo. This is our rescue Pug (who we got before we landed in fanancial straits, and who we could never rehome no matter how bad things get) it’s only relevant in that she’s our family, and this post is all about helping myself and my family sort things out and allow us to rebuild from the worst year of our lives.

 

Thank you

 

paypal.me/ddaf84

Filed Under: Uncategorized Tagged With: UK

Last Updated: April 7, 2021

Rock Bottom

Hi. My name is Gonçalo. Originally from Portugal, but I’ve been living in Scotland for a few years now.

Things started of good when I moved here with only 18 years of age. I found a job I had a flat and no debts whatsoever. 2 years later and all that had changed, but I got back on my feet!

Nowadays, I’m 25 years old and just recently had a son.

I myself never had the best childhood ever, I didn’t have a nice childhood at all to be honest. So the last thing I want for my son is to go through what I’ve been through.

I was able to support my family for quite some time. But when all of the Covid-19 started I was made unemployed since I was a chef and couldn’t work.

I eventually found a job as a cleaner, only doing 4h everyday. I was working through a temporary agency, the easiest way to find a job during these hard times.

Although not the most reliable way to be working, since you work on a zero hour contract, if they source staff internally, which is usually what happens, they’ll just tell you to not go back to site.

I then found another job. Same thing again, cleaning, through a different agency, sounded promising. (I don’t want to be a cleaner for the rest of my life. But whatever puts food on my family’s table I’ll do it)

1 week into the new job I was then told they had sourced staff internally through the company that contracts the working agency.

I have been unemployed for about 4 months now, not able to afford rent fully, and have no savings whatsoever anymore, apart from £20 to do my family till god knows when.

My sons 1st birthday is also coming up in 2 months, and I’m devastated that I’m in the situation I am!

I just want to be able to provide for my family until I’m able to find a proper job once things in the world settle.

I don’t even want to mention the debts we are in. My son is my only worry at the moment.

All I’m asking is a small donation from anyone, £1 50p it doesn’t matter. Every little helps!

I’m trying to raise about £500 to £1000

If you can help me I’d be truly appreciated. If not, please send your blessings our way, I thank you for that!

Have a blessed day!

Filed Under: Emergency Money Tagged With: UK

Last Updated: April 7, 2021

Just like to Thank you for taking time to read my email/letter

My name is Beverley, l am 61 years old and live in the UK (England). l have 3 children by the age of 22 who l grew on my own. Their father was very abusive towards me, he bust my head open and hurt me in many ways, l took myself and children into a Women’s Refuge for domestic violence and was there for over 2 years until we got re-housed. l have always  worked the Care Sector supporting mostly Children with Special Needs and Autism, l also worked with individual adults with all Disabilities, l have done this work for over 35 years and l have find it rewarding but challenging at times.

As you can imaging, pushing wheelchairs and hoisting disable people over the years has taken it’s toll on my body especially on my Back, Also my balance was getting worse as l got older from the abused in my earlier life.

ln November last year l had one of my falls down some stairs and hurt my Back badly,  in Jan 2021 l started experiencing excruciating pain in my back which ran down my bottom, down my leg to my knee. l never knew pain like this existed, l was on strong painkiller tablets. l was told l has Sciatica and arthritis. While l was lied-upwith pain and on lock-down l used the last of my savings and invested the money on a trading platform called 24xforex, l thought it would be the answer to all my prayers and dreams, for me retiring early. They told me a lot of lies and scammed me of nearly £8000, £7000 of which l borrowed and invested on they platform, it was all a fake. l was so stupid and naive, (my full story of 24xforex is on TrustPilot). Since then l’ve been very depress, not sleeping and losing weight and sometimes it even hurts to breathe because of the pain. l owe money all over the place, l borrowed £2,500 again to keep the roof over my head (rent and arrears), l have water, council tax bills + all the people l borrow money from are phoning, texting and leaving voice messages wanting back their money. To be honest am at the point l just want to take my own life… l have never felt this way before!!

The help/donation l need will not get me out of poverty (l wish that was the case, but that would require a lot more money than what l am asking for..) but it would help me pay-off my debts and bills in the here and now. lt would make my hardship a lot less hard and make a BIG difference to my life as it stands right now. lt would get me out of the deep, dark hole l feel l am trapped in..l would be extremely grateful and forever in YOUR DEBT.

Thank you for reading and many, many thanks for your help and support. Very much appreciated. l need £25,000

Yours  Truly…Beverley

https://www.paypal.com/paypalme/flowers59

Filed Under: Scammers Tagged With: UK

Last Updated: April 4, 2021

Debts from business failing to take off

Hi, my name is Lauren and I am in real need of financial assistance. I have always enjoyed studying languages and after graduating with a BA in Translation Studies and getting a job working for a translation agency I realised that I could offer a much cheaper and quicker service to the public. I decided to quit my job and start my own website. I spent so much time and effort building the website, writing the content, sourcing a few freelancers, not to mention the money I invested… SEO costs to make my website visible on Google, PO box fees, web hosting fees, product materials, not to mention supporting myself (rent, food, etc). Just as it looked like the investment might be paying off, the pandemic hit. People stopped travelling and therefore the demand for document translation pretty much died. There was no market or audience for the website I had invested so much time, effort and money in. I now have £3000 debt on a credit card, and have £8000 to pay on a separate bank loan. Not to mention my student debt. Thankfully, I was able to secure a full time job in October 2020 but my monthly wage goes towards paying rent, bills, and chunks off my credit card and loan. I live just to pay bills at the minute and it’s very hard not to imagine what could have been if it had taken off as planned. I feel weighed down by the amount of debt and the monthly re-payments are financially crippling me. It’s taking a toll on my emotional well-being as I just cannot see an end to this.

I tried to make a living for myself while offering, what I thought, was a better service for the public than the services already on the market. I understand the value of money and wanted to pass on the savings to the customer, instead of rinsing them for all they’re worth like many companies do. If someone were to help, even with the smallest amount, you have no idea the pressure that would be lifted from me and the relief I would feel. For me, clearing my debts would be a fresh start, an opportunity to focus on my current career path and build a future for myself without my financial circumstances holding me back. If you can relate to this post or are in a position to help in any way, I would be forever grateful.

PayPal: https://paypal.me/IrishBlonde89?locale.x=en_GB

 

Filed Under: Uncategorized Tagged With: UK

Last Updated: April 3, 2021

Donate £5 to help me go to University

Hi!

I am currently a final year student and I am also working as a part-time tutor online. I am currently studying Biochemistry and will hopefully do a Masters in Immunity this September (fingers crossed).

I am the first one in my family to go to university, along with being the first girl. I have a passion for science and would like to pursue a path in Immunity, because I would like to contribute to science.

My plan was to save up for my Masters year but due to COVID-19 by parents were let go from work, so I have been supporting them with the money that I have been earning from tutoring children. As you can imagine providing for my parents and saving up for my Masters is impossible. I am at a tough point in my life where I am considering stopping education for a while, it’s heart-breaking. But I don’t want to give up.

I want to continue to help my parents financially but I still need tuition money for next year. I have never done something like this before, but here goes… I need £5,000 (pounds) to follow my dreams. I would be eternally grateful if you could donate to help me achieve my goal, even a donation as little as as £1 would be amazing!

Thank you for reading my post and I will keep you updated on my progress :)

My link is: https://paypal.me/SevalErdogan?locale.x=en_GB

paypal.me/SevalErdogan

Filed Under: Tuition Fees Tagged With: UK

Last Updated: April 1, 2021

Please help me rescue a family heirloom

Back in 2017 when my mother was very unwell, I pawned my grandad’s gold pocket watch to help with expenses. Unfortunately she died in October 2017, and after the funeral and other things were paid for, I have never had the money to reclaim this item. I have kept basic interest payments ticking over but that’s all. I now feel bad that I did it, although people did say to me at the time ‘Grandad would have wanted to help’. Now I really want to get the watch back. My son gets married later this year in October, and I would love to eventually gift the watch to him. He never met my grandad, but he loved old photos of him, and listening to my mum telling stories about his great grandad. The watch is a family heirloom, and I sometimes can’t believe I gave it up, even for the good cause of helping my mum. I always thought I would be able to pay it back eventually, but COVID 19, as with so many people, has caused my working hours to be cut. Although things hopefully will get a bit better in the future, I can’t see me being able to pay back enough to reclaim the watch, and it is just going to go on forever with me trying to keep up with the interest only, and never actually getting the watch back.
At the moment to repay the watch in full I would need about £1430 to pay off the original loan plus the interest. But any amounts towards this would be gratefully received.

I unfortunately have no photos of the watch, but it is a typical gentleman’s gold pocket watch and chain, that you would wear with a three piece suit, such as you would see in old photos. It was gifted to my grandad when he retired from the coal mining business. It is engraved with his name. As you can see from the amount I got for the pawn loan, it is worth quite a bit of money – I could have got more, but I’m glad I didn’t or things would be even worse! But it is worth a lot in sentimental value as well.

I have attached photos of parts of my pawnbroker agreement, showing the amounts to be paid as of the end of January – more interest has been added since then, and showing that it is listed as ‘Misc. Watch 9 carat, weight 132.36g’.

As I said above, any amounts would be very gratefully received to help pay back the loan on this item. No amount too small, and hopefully they will all add up!

Thank you so much for reading.

https://www.paypal.com/paypalme/Karen197126

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Filed Under: Funeral Costs Tagged With: UK

Last Updated: March 31, 2021

Ever wanted a change?

Hello, I’m Tia!

Have you ever wanted more? Wondered what life would be like if you could just go someone new and upgrade your life. These are my current thoughts as a 25 year old living with my mother.

I want more from life, I want to progress and see and do things Iv never done. I am currently a registered veterinary nurse and I am so proud of that everyday. My problem is that I crave more, I am ambitious and I want a change.

Where I live with my mother, there is no exciting opportunities for me career wise. There are small boring practices that don’t scratch my itch. I currently drive one hour to work everyday to the nearest veterinary hospital to help me feel accomplished.

What I really want to do is go to an amazing state of the art, five million pound veterinary referral hospital. And you’ll never guess what, I have the opportunity to do that, to go there, to live this amazing life as a referral veterinary nurse! Imagine me walking into work every single day saving animals life’s with the technology this place has, MRI and CT scanning, neurology specialist, it would be an opportunity of a lifetime.

Well there is of course an issue, otherwise why would I be here writing this story for you. This perfect referral practice is 150 miles away. So you know what that means, let’s pack up and move 150 miles away, out of my mothers house and grip this opportunity by the balls.

However, I was a stupid teenager and university student. I got myself into some horrendous and stupid debts with credit cards and overdrafts. So now me trying to be the best adult I can, sit paying hundreds back every month to suffice the high interest rates.

What I need for this dream to become reality is money towards paying off my stupid debts so that I can live my dream and go to one of the best referral practices in the UK. I can go and rent a house debt free, afford my bills and have a better work life balance!

FYI- My mother is a single mother, always has been and works her bloody arse off as a cleaner to keep a roof over our heads so she is unable to support me. I have no other close family to help and Iv tried getting loans and debt help but with the debt I have my credit score is awful so all attempts were unsuccessful so here we are!

paypal.me/TRossall

 

If you want to help, please know it would be greatly appreciated!

Filed Under: Animals Tagged With: UK

Last Updated: March 30, 2021

Please help me

I have moved out from my parents house as it was very volatile. I feel I’ve never had any freedom to do what I like so I decided I had enough . I’d love the opportunity to have a nicely decorated home and to be able to pay all my bills on time without worry or working overtime every week. I want to be able to make a life and a career for myself to prove my family wrong so that would also involve my studying and getting the university degree I would like but I first need to take an access course. Any help would be greatly appreciated. I will prove everyone wrong. Thank you.

Filed Under: Rent Tagged With: UK

Last Updated: March 28, 2021

Starting a Small Business Due to Medical Condition

Hello,

I’m Amy and I lost my job in March 2020 when I developed Chronic Fatigue Syndrome/ Myalgic encephalomyelitis from a burst ear drum infection. Developing this condition seriously changed my life, I can no longer do the things I used to do like go for long walks, and some days even brushing my hair takes all my strength. I’ve achieved a degree, given speeches in front of 2000 people and now I have a stammer when I try to speak or think due to the CFS/ME. When I had to leave my job because I was too ill, I was declared bankrupt and lost everything, this had significant impact on my long term depression. A year later and I have managed to find the positives in this new life I have had to adapt to and have decided to build a life for myself doing what I love, digital art. I am starting an Enamel Pin shop made from my own designs but I need help raising the funds to launch my first collection. I have managed to save enough money to make 1 Enamel Pin, a little dragon, but a shop cannot contain only 1 product. Below is the quote I have received to make a collection of 5 hard enamel pin badges, with a total quantity of 500 pins. This will allow me to launch my shop into the collectables, pinning and art communities and hopefully build a life I can be proud of. Any support that you can provide would mean the absolute world to me and I would never be able to thank you enough. Please help me turn my life around and thank you so much for taking the time to read my story.

https://www.paypal.me/amywilliamsweeks

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Filed Under: Business Capital Tagged With: UK

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