I’m 27 years old my name is Tiffany, My ex partner (children’s father) had a gambling problem that I knew nothing about our marriage failed and he’s disappeared not even in contact with his children. I have lost my house and I’m left with a lot of debt £43,652.87 to be exact I can’t get any credit and with 3 children I feel I’ve failed them especially due to Christmas coming up. I am well I was a very proud person but this was my last option. Thank you in advance for anthems you could offer.
I entered into an IVA (individual voluntary arrangement) in January 2014, 2 months after my daughter was born 9 weeks prematurely. Unfortunately after being made redundant in June 2011 I struggled to get another job, i had a few temp jobs through an agency but nothing long term and I struggled financially. I ended putting my “life” onto credit cards and racked up a lot of debt which I struggled to pay the minimum payments each month. I lost a baby boy in April 2012, my son Arley was stillborn at 26 weeks which was horrendous and I sank into depression for the next year. One of the reasons cited for his death in the post mortem was stress on my part which in turn did not help with his growth. So my fault my son died. Over the following year I spent more money to combat my feelings of uselessness and the debt carried on mounting up. I finally managed to get a job which I didn’t enjoy but I needed the money. After becoming pregnant with my daughter just over a year after Arley had died my pregnancy progressed with regular scans and monitoring. My daughter decided to put in an early appearance in November 2013, 9 weeks early.
She spent 6 weeks in hospital which cost me and absolute fortune with daily parking charges and incidentials and the debts carried on mounting up as by then i had to leave my job. In January 2014 after having my daughter home for a couple of weeks I made the tough decision to enter into an IVA to get rid of the debt in the only way I could see possible. I knew it meant I would be restricted financially for the next 5 years but I really felt like there were no other options. With a tiny baby and no income I was drowning with no escape or back up plan to stop the debt collection letters and threats of court action. It was a very difficult time.
The IVA progressed ok through the first few years then in January 2018, a year and a half before I was due to complete it, the insolvency practitioners I used were taken over by a different company. This should have not caused any issue’s..but being my life down to a ‘T’ it all got messed up to put it politely and the new company “lost” my account in the takeover! Over a year I spent making phone calls and sending emails to be constantly told they were dealing with it and I would be set up again..in this time my payments had stopped to my IVA as they had increased them to an unaffordable amount, so i was now racking up arrears. I complained to the FSA but they couldn’t help me, i was at a loss as to what to do, I’m not a legal buff and don’t have money to see a solicitor. The new insolvency practitioner never sorted my payments out and left me hanging and in August this year 2019 they failed my IVA. I’m absolutely heartbroken, I’ve been struggling for the last 5 years with restrictions on my accounts, and it has halted my life financially only for them now to release all the debts that were supposed to be dealt with on my behalf back to the companies I owed money to. To add to the pain of all the financial issues, my beloved had an affair 4 months after our second daughter was born in November 2016, so i was left with a 3 year old, a 4 month old baby, in debt whilst he was off having the time of his life! God writing this makes my life sound like a fricken soap episode!
I have now received to date 2 letters from 2 of the credit card debts asking me to pay the money back. There could be more to come, they have every right to chase me for the money. So I now have debts hanging over me again with no no money to pay them back. So far I now owe £7,500 with potentially more to come.
I really really hate asking, this is me in an absolute desperate situation that i need to get out of. I can feel myself sinking back under a black cloud. Please can anyone help me; I’m so sorry for asking. I would be so very grateful, Thank you.
From a desperate mum x
I have uploaded one of the debt letters i received this week. It will only let me add 1 image unfortunately.
Thank you to those who take the time to read and maybe consider my wishful request.
Dear potential readers,
I will try my best to outline my situation and what I would like and I write this from feeling as I wish I could be standing in front of a panel of people willing to donate, expressing myself properly.
My name is Alex Fung. I am 25 years of age and I am from Hampshire, England.
I have – for the last 2 years – been going through financial trouble which deepened rapidly and keeps me fighting and fighting to get out of and to move forward. Since I was little I slowly developed depression but I attended a rough school with very little support and resources for mental health. I did not actually know at the time I had depression and it caused me to struggle going to school, so I failed my exams. When I left school I started working 60+ hours per week earning £4.50 per hour. I slowly saved up and moved onto to different little jobs but never anything that offered me progression. My depression worsened over time ruined a lot of chances for me and gave me a bad working reputation for reasons such as absence and lateness. I work very hard and I am truly a passionate person but depression always got in the way. The past 3 years I have lived and worked in the next town from home in an Italian restaurant. I had a girlfriend at the time I started but I found out she had cheated on me with my boss. I stayed none-the-less because it paid weekly and paid fairly well but also because I couldn’t find another job that would pay the same (average – £500 per week with tips). Things were difficult at work but I was very good at my job and slowly my boss and I built our relationship back as I learnt he didn’t know me and my ex were together. I did really well and was even offered management and possibly partnership but I had a lot of responsibility and my boss’s true colours showed add I realised I was taken advantage of and worked like a dog. His promises were false and his business ethic was terrible. I had been introduced to alcohol properly by my ex before she left. Gradually I drank more and more and everything together caused me to rely on booze. For almost two years I was am alcoholic. I am out of it now and I’m feeling good. The only problem now is my debt. I was a bit proud and didn’t get help from anyone with money problems and drinking as I took out several loans and credit cards. Each one I maxed out because I started to give up and was on a path of self destruction. I was suicidal and I was reckless. I no longer with at the restaurant. I have recently started a fabricating job, assembling doors for conservatories. It isn’t what I want to do but my CV isn’t so great and it is just another minimum wage job that accepts anybody with common sense.
At the same time as sorting out my drinking I have been trying to sort out my finances by talking with Citizens Advice and enrolling on benefits. I have also worked on my mental health. Lately I’m doing fine but I am incredibly stressed with the place I have put myself in. These are all positive steps but I am told my debt (£25,000+) can only be cleared by bankruptcy which still hasn’t happened as much I want my debt cleared I would love to do it myself so I am not affected by the bankruptcy.
I am very confident now in what I need to do and I have always had a couple of business plans but never made enough money. I think 25 is the perfect age to get going and start my own business and career.
I could go through bankruptcy but I am back to square one, attempting to save tiny amounts of money which will take me years to accumulate enough to even hope on doing business and moving forward in my life.
I was always told I have a lot of potential and quite truthfully, I have always felt it. Only depression would keep me from being me. It is now under control after all these years but now I am stopped by debt and I am scared of this hindrance bringing my mind back to its depressive state.
The past 2 years I have had my rent and bills paid for me by my brother (whom I rent with) and my parents. My past actions have brought them down with stress as they have had to fork out for me which I never want them to as they can’t afford a lot. I know in me that if I have that break which gives me the chance to go forward and produce a solid income and change my life, then I can fulfill my biggest wish of helping my family who all work really hard.
I would love to clear my debt, move into my own place (be it a small apartment), purchase a car, purchase camera equipment and start my passion as work. I would love to properly start photography (since I already learned most of my life growing up). At the same time I will attend cookery classes. I am already quite good at cooking but my second business would be to open my own small restaurant. A ‘dish-of-the-day’ restaurant using only freshly bought ingredients everyday. These are not fairy tales. I know what I need to do to start both of these and I know people who would advise me along the way but first I need to focus on clearing my debt and taking off the huge weight from my shoulders, giving me more concentration to further improve my mental health and do good things for my family, friends and myself.
So with this I come here asking with the greatest respect for some financial help. I am hoping to receive £80,000. £25,000 to clear my debts to all creditors, £3000 to clear debts to all family and friends, £2000 for a car and insurance, £10-15,000 for; camera equipment; computer & software; insurance cover for items; initial costs of business set up, £5000 to mend small repairs in current flat and cover deposit for my own place as well as my brother – for removal costs, and the last £25,000 to invest in cookery school, further invest in my business as I may need to expect profit loss in the beginning, travel costs, to pay for rent as I invest in my business, holiday money to visit family – especially grandmother I haven’t seen for over 6 years who hasn’t been well, and to afford private 1-1 counselling.
I am more than happy to be contacted to talk more about my situation as I understand it can be difficult to relate to somebody by written word. I am even happy to be contacted to arrange a phone call or meet up if you were to decide to help but would rather meet the person in the flesh.
I would like to say thank you very much to whoever takes their time to read my story and I would forever be grateful to you. If you are interested in my business plans for the future then at least you would know that you are the one who created it. Be it a photographer, you’ve got one for free. Be it a restaurant, you will eat for free.
My PayPal is: www.paypal.me/acfung
Thank you so much!
So here’s the situation.
I’m a 27 year old fellow trying to pursue an artistic vocation, and I’m also going to be a first time Dad at the start of 2020.
A little about me: I’ve worked full time for all of my adult life just to pay bills and get by, whilst maintaining creative hobbies on the side.
Earlier this year year I decided to step back from full time work that I wasn’t enjoying and go volunteer at a Buddhist Meditation Centre in order to help rebalance myself and all that jazz. I also wanted to have a little space to figure out how best to support my family.
The volunteering was incredible. But now I’m back home and I’ve got rent/bills/the essentials to pay for again. And no money to pay them with. Literally, none. I’ve applied to get some help from the council as I look for more full time work.
However, I know now that my main passion and love in life is being an inspiring creator. Specifically creating stories/blogs, music and videos.
I have been honing my craft for my entire life it seems and now I feel ready to really dive into doing what I love and build a foundation for our family and beyond to flourish.
The good news is that I’ve built the foundation, I now need some support to maintain this foundation and let it grow.
I have recently started running my own spiritual awareness business. I intend to continue building on and sustaining this until my business becomes my full time work. I’ll pop the website link at the bottom.
I want to lay a solid foundation down for my child and let them come into this magical world with stability and security, whilst also doing what I love too. I know I’m taking a risk on choosing to follow my heart, but at one point or another we have to!
For all of you artists, dreamers, lovers, believers out there, I hope you can resonate with where I’m coming from and choose to support this tribe.
The main reason for this plea is to receive enough financial support to pay for the basics of life for the next half a year.
I have set a target of £11,000.00 for this.
Any and all donations are greatly appreciated. I’m really scraping the bottom here and need a bit of relief.
To have a look at what I do, please follow this website : www.rafarworld.com
Desperate to get my life back on track.
Hello, My name is Alex I’m 21 and currently live on my own in the UK.
Since the age of 17 i have worked full time. I was always responsible with money and good at saving.
When i was 18 i became pregnant, it was unexpected but myself and my partner at the time where happy.
My family wanted me to get an abortion, but i couldn’t bring myself to do that, i made up my mind and so did they. I came home from work to find they had moved and i had 5 days to move out and find a place to stay.
I moved into my partners and the day after moving i started to bleed. It was soul destroying. 4 months later we broke up and i had to move again.
My family rejected me in my most vulnerable time and i was unable to move back in with family.
I moved into a small 2 bedroomed flat with a friend of a friend and I live with them for 4 months. Unfortunately we did not get on and again I had to move.
I managed to move and find a place that was suitable. I have lived here for over a year now but my mental health declined and I fell into a really dark place. Due to the severity of my anxiety and depression I was unable to work, I was on sick leave for 3-months until the company let me go and terminated the contract.
It took me another 3 months before I started a new job. I was applying every day checking my emails constantly, but still I didn’t receive any feedback from the companies had applied to.
The job that I worked for was an agency. I was contracted for 48 hours a week but did not receive those hours of work. The shifts were constantly cancelled or i would turn up to a shift but I was supposed to be somewhere else. There was a lack of communication between management and employees, this again set me back drastically.
I am now 4 months behind with my rent. 5 months behind with Council Tax. 5 months behind with electricity, gas and water as well as other bills.
I’ve just started a new job with a company that has just opened the beginning of September 2019. But I am drowning in debt I’m terrified that I’m going to be evicted. I worked so hard for myself and I did so well for such a long time, 1 little blip and I feel like I’ve ruined my life.
I feel awful that it’s had to come to this, to beg strangers for money but I don’t have the support from friends or family.
I feel like I’ve got no one, i just want to get back on my feet again, to be happy and stress free.
I am so thankful for anyone who has taken time out of their day to read this or help out in anyway.
Thank you – Alex.
I’m 25 and struggling with my mental health issues and minor drug/drink issues, I lost my job due to depression and anxiety, I feel like I’m losing touch with reality, my mum has a condition called Fibromyalgia that will eventually render her immobile, and she’s already pretty bad at the moment, she also has mental health disorders and issues stemming from childhood that make her a tough person to talk to at times, she struggles to help herself, yet she loves helping others, sometimes she’s in bed for up to 16 hours a day, which isn’t healthy at all but I know she’s depressed and lonely. She’s pushing away all her friends.
I’ve been an asshole to her, and I can’t seem to help it or make a change in my own behaviour. I want to help her, but I know there’s not much I could do, and it frustrates the hell out of me, I still live with her and some of my siblings, it feels like I am trapped here, endlessly, I don’t even want to feel trapped, but I do, because of the mindboggling arguments we have over the stupidest things at times. If I had the money, we would move to Spain, where it’s warmer and her condition would not be as greatly affected by the weather, she’s talked about Spain a lot.
I’ve tried going to doctors, and I am filled with mistrust, not only in doctors but also in therapists and my own family. I can’t even talk to people in general at all very well at the moment. Any conversation I initiate or anyone initiates with me, comes to a dead stop. I don’t know what to do, as I feel like I don’t even want to do anything anymore. Not die or live, I am stuck in this void in an emotionless state, forever to be an observer.
Before I lost my job, I started investing in some Cryptocurrency, mainly Ripple’s XRP, I really hope one day it will help me and my family out and hopefully we could move to Spain, but I don’t think I have enough to make a real difference to their lives, I also don’t know if it will even pay off anyway, as is the way with speculating.
Thank you for reading this, I just needed a little vent, anything that would help my situation would be greatly appreciated.
I am reaching out today for the help of others because I feel I have exhausted all other options; just praying there is still kindness left in this world. Everyday life for me is miserable; I wake up and my money worries begin. I am A 28 year old female, I work full time in a GP surgery As a healthcare assistant along side self funding a full time health science degree through the open university. I have always worked hard (for the last 2 years 7 days a week) but everything just seems to go wrong. For the last couple of years my mission is to just make it through the day and to not give up; even when life kicks you when your down and believe me I’m struggling. I’m currently in the process of switching jobs and my current employer has deducted almost my entire wage for ‘courses’. I have sought legal advice and although they have breached their own contract, there is nothing I can do about it. This is just another kick whilst I’m down; prior to this I used all the money I had to buy a bed; and of course the company have F**cked me over. In fact the bed I bought is unusable as the company are still yet to send me all the parts (I’m sleeping on the floor). Before this I was in a car accident (not my fault) after 2 years of fighting and funding my insurance company I was told last week they have “abandoned” the case, whatever that means! To me it means the thousands I paid out will never come back to me. I just don’t know what to do anymore, there just always seems to be something. I’m usually not one to complain Or feel sorry for myself but recently it’s the only thing I can do. I need dental treatment as I have TMJ (a jaw condition) and I have had my night guard so long I have worn it out, I have car insurance, phone bill and rent to pay with £0 in my bank and 2 weeks till my next pay. I need food and petrol and basic money for living. My current life is no life at all, all I want is a chance to make it better, a chance to actual live and enjoy my days rather than wishing the day away so I can sleep my problems away. I need some financial help to get me through! £20,000 would clear all my debt and allow me a fresh start…but right now £10 would go towards feeding me for a week and that’s all that I really Need.
I have no idea where to start… you’ve probably heard that many times before I’m guessing. But seriously, where does one begin when asking a stranger for help?
I’m in my late 30’s, a mother, a full time worker, and very much in debt. It started years ago when we had our home repossessed. This was due to my Husband losing his job with no notice or redundancy, the company he worked for went bust so we used our savings to pay the mortgage. The savings ran out, and then we lost everything.
A few years later I find that I still have not caught up. I’m always waiting until pay day, and within a week, I’m waiting for the following months pay day. You see I’m in debt, a lot of debt. I’m ashamed to say around £8k, and I don’t know how to get out of it. My credit rating is very bad so a loan is out of the question, and I’ve taken out pay day loans just to try and keep my head above water, but alas… this has left me in an even worse situation. If I could clear the debt and have a new slate, I know I could provide for my family with a good budgeting plan in place. But that’s easier said than done. The bills every month are leaving me with a small amount to try and stretch, and I’m getting myself into a bigger hole.
I have worked since I was 15, I’ve always tried to better myself even though I have ran into one blow after another. But I count my blessings, I have the most amazing children and I will do anything for them, anything at all. I’ll go without to make sure they have what they need, and I don’t ever want them to know the financial struggle I face every single day. I don’t want them to know I’m laying awake at night scared for the morning and the letters and phone calls I might receive relating to money. They understand that Mummy can’t afford certain things, but they are good kids and they don’t pressure me or get upset.
And this is where I really could do with some help if at all possible. I have fallen behind with the rent on our council home, after nearly a year of almost getting it back on track. I’m so disappointed in myself. I have to pay £839.69 or I am facing eviction – and this amount is going up weekly. I have no money in the bank, I paid £100.00 on the rent this week but it isn’t enough. My car is late on its MOT, it’s due to go in tomorrow. I’m scared as I can’t afford to even pay the £35.00 for the MOT, and my car is an old car. And if it fails, how do I get to work, public transport is too expensive. You see, I’m in a real mess. And I don’t want to try and create a sob story, but I am battling with my mental health. I suffer from severe anxiety due to a number of reasons, and going to work everyday is something I need to do, I can’t let it beat me, as much as sometimes I just want to bury my head in the sand, I know that will not get me anywhere.. Tempting as it is. I can’t remember what it is like to be able to have a full nights sleep and not get up in the morning with a huge heavy weight in your stomach and on your shoulders that you carry around all day. I just want to be able to feel mentally at ease again and to stop worrying every single second.
Well, if you got this far, thank you for reading. And I hope you have a good day.
Thank you again, and I’m genuinely sorry I’ve had to ask for help.
Help me care for Mom
Please help me care for my 88 year old Mom. My Mom has degeneration of the spine and Ménière’s disease. Degeneration of the spine means that she can’t walk very well and is in a great deal of pain all the time. This is exacerbated by the Ménière’s disease, where she suddenly feels like she is being thrown around the room and falls to the floor and starts vomiting. She sometimes has so many of these episodes that she burns her asophocas and starts bringing up blood. It’s so distressing to see. This can last for 2 to 3 hours. Mom gets no warning of this happening, so she can’t be left on her own. So myself and carers are with her 24 hours a day 7 days a week and it is costing a fortune. It’s not that we begrudge spending money to look after Mom, but we just don’t have enough money to pay carers all the time and it’s been made even worse because I have had to start working fewer hours in order to care for her myself. Again, I don’t begrudge looking after my Mom, in fact it’s a pleasure, but reducing my hours at work has reduced the money that we have coming it, which reduces the money we have to pay for carers to help me look after Mom. I am therefore stressed and very tired all the time. I really need some help to help Mom and improve her life. I’m begging you to help me by sending me some money to pay for carers and allow me time to sleep and recharge, so that I am able to look after my Mom properly. Please help us.
let me talk to you about my Mom. My Mom was always doing things. She sang and danced and did amateur shows. She loved it. I think that she was at her happiest when she was singing and dancing. People would come round to the house and practice whatever show they were doing. It was an exciting atmosphere to be brought up in. So you can understand when she started to deteriorate physically she was very frustrated. She lost her freedom and as she became worse, she felt like and still feels like a caged animal. I also find it really hard to see my Mom really upset because she is lonely. She was the youngest in the family and all her family have died. This is the same with her friends. She lost her last friend from the old days last year and she has no one that she feels that she can talk to. Mom cries a lot and this is heart breaking. I try to make her feel better, but it is really hard. I find this most upsetting and stressful. I want to make her happy, but I am not enough and it breaks my heart.
I also remember her helping people. I always remember her looking after others, taking people to places that they wanted to go, even if she didn’t want to. She always put others first. She also helped to look after her Mom, but she had a brother and sisters who were also able to help. They all took a share in caring for their Mom. She never complained and had a wonderful loving relationship with her Mom. They never put their Mom into an care home, as they wanted Nana to live her life surrounded by her loving family. And that’s what I want for my Mom, but I am on my own and am just so tired and need to be able to sleep.
Before my Mom got the Meniere’s disease, where she just falls to the floor, she couldn’t walk very well due to the degeneration of the spine, we were able to get a place for her on the same street as us, so we moved her close to us so that I could look after her. We got cameras in the house and an alarm system so that I could keep an eye on her even if I wasn’t there and if she needed me, she could press the alarm and I could go and help her. However, now I can’t leave her at all, as she falls on the spot and starts vomiting. She is always worried that she will have an episode, so she daren’t do anything and she can’t do any cooking in case she hurts herself. I have to do everything and always be with her. I really need help to do this, but we just can’t afford it. I once left my Mom’s to go home, Mom was fine, and by the time I got to my home in the same street, her alarm was going off and I ran back to hers and she was lying on the floor, vomiting. I worry that she will choke on her vomit.
As I’ve already said, I had to reduce my working hours to look after my mother. I am not complaining about this, but it means that I just don’t have any money to afford carers, but when I was working I still didn’t earn enough money to get carers to look after my Mom while I was at work. I also need a car to take her to doctors and hospital appointments (I do try to take her out for drives now and again if she is able, just to get her out of the house), but I’m not sure how much longer I can afford the car. I am trying my best, but I just don’t know what to do. I feel that I have just gone on and on here, but I want you to know the difficulties that I am having. I need to look after my Mom, but feel that I can’t do it for much longer. I really do not want her to go into a home, as I know that she really does not want to. I’d feel that I’d failed her. To be honest, I already feel that I have failed her. She deserves better. Please, please help. Thank you.
My son was a volunteer, and from the moment he learned he had an inoperable tumor, he decided to go ahead and go ahead with volunteering. His passion was volunteering.
A month before his death, he decided to write me a letter, letting me know that if he had the chance to go back, he would not change anything, because he lived for what he was born to do, and do it with all his heart.
I, of course, was unaware of his medical condition like everyone else, as my son did not want to give me any other worries, since I had lost my wife for about a year, with whom I had spent 27 years of marriage.
With her I met when I was 40 She was 35, and immediately we loved each other madly, after several attempts and 5 years after our meeting we were lucky enough to receive the greatest gift a person can add to her life, the arrival of our son.
My son turned 20, he decided that continuing his studies was not for him, and that he would feel comfortable doing something else, after almost 6 months he began his life as a Volunteer.
We obviously as parents, supported him and let him choose his path.
As parents, we had our concerns, but we set two simple rules.
“Communication and NO to substance abuse”.
Since these methods of communication are not difficult these days, they were done via messaging or email.
Several years had passed since our son had started on his journey, and from time to time when it was possible, even if he never asked them, we as parents always sent him financial support.
As agreed, our son, told us about his experiences and the discomforts he had encountered, and that doing those experiences was his way to repay life and the people who were beside him.
Two months before our 27th wedding anniversary my wife passed away due to a sudden heart attack, so as a father I did everything I could to ensure that my son could meet the expenses for the return, and give a final farewell to his mother.
4 months later my son left, and a year later, due to financial problems, I moved into a pensioner.
Then one day my son informed me that his journey took him to places where technology was poor or almost absent, so the only method that was still working was the classic one, paper and pen and by mail.
The waiting time for a letter varied between 3-4 weeks, and I waited for his letters with joy, as the only bond that held me on this Earth.
The years passed and communications with my son began to fade, meanwhile the past years had become 4.
Then one day, I get a letter from the place where my son was volunteering, and it wasn’t from him.
In the letter it was communicated to me that my son had failed because of his illness, and that they wanted to know, the due with regard to the succession.
I could not believe it and did not understand what aches the person was talking about, then I realized that within the letter there was another letter addressed to me and written by my son.
He wrote to me that after he had returned to give his mother a last goodbye, he had then gone to the doctor to be checked, because he had been in pain for months before.
Discovering his illness and that there were no remedies in this regard, he didn’t want to give me any worries, he preferred not to tell me since his mother had just died.
The symptoms of malaise that he had were nothing compared to those to whom he gave help, and he did everything he could not to worry those around him, avoiding to divulge his pain.
Now I find myself in a situation where, being in a pension, I can’t afford the costs of returning the body and give my son a proper burial next to his mother.
I never asked for help and begged anyone, do it now in the moment of need, it makes me very sad, so I beg you, I need £ 20,000 to help me with the cost of the funeral for my son, and repatriate him.
I really hope someone can help me. Thank you for reading my story.
Dear, Individual who is receiving this message
My name is Brian and I am reaching out as a sort of last resort. I will start by giving you some background of how I got in my situation. Back in 2013 I graduated high school, continued to work as a dog groomer, met a girl, and started my own business shortly after with an old co-worker of mine. from the age of 13 I had been working at a dog grooming salon learning how to bathe and groom dogs while going to high school. When I graduated I decided to go to full time grooming because college was not an option for me to pursue financially. At this time I met my wife Lexi and we began to build our family of now four children. The current job where I was working at was becoming difficult because I was employed by an alcoholic who had told me at the time of hiring that I would be on a W-2 for my employment. However four years later I received a 10-99 and to my surprise went into very much debt with the IRS. At this point I made the decision to start my own shop with the help of a co worker her name was Kathy.
With the new business up and running things were starting to look up and the shop was becoming successful. Working 12 to 14 hour days for 6 to 7 days a week was where all of my effort was going. Not to mention me and my wife were creating out family of four kids which we wanted to start young. As time went by at the shop my business partner Kathy was getting older and burned out working in this industry. She wanted and out. After working so hard with her only coming in a couple days a week to help I was ready for her to move on with her life and I could advance with the business in my own hands. This is where things went south and have led me to this point of needing some significant help.
Kathy had then decided to sell her half to an employee of ours named Erikah when the original agreement we had was that I would buy Kathy out. Erikah had no idea of what it takes to run a business and I was so hurt by the fact that Kathy didn’t hold up her end of the bargain that I was just ready for Kathy to be out and I would deal with whatever comes next with having a new business partner. At the time of sale Kathy had gone to the bank where the business accounts were help and withdrew $2500 from out business account because taking herself off of the account. This had brought the business account down to about $8000. It hurt but was not going to ruin the business. Then as Erikah had gotten onto the bank account for the business things got worse. Erikah had then spent in upwards of $7500 of the companies money without my approval. When confronted about the money spent there was no recognition on the mistake made from her and I received the comment “your problem”. which in itself shows what kind of person I have been dealing with. All of this has left me starving financially. Trying to raise four children and pay all of the bills for myself and business has been near impossible since.
At this point I have arranged a buyout for Erikah at $30,000 and to get myself back on the right track financially I would need another $25,000 to clear up my IRS debt and the bills I have fallen behind on. my family is surviving on the absolute bare minimum when it comes to living and my business is not going to survive without working capitol. I went to the banks in search for a business or personal loan for the $55,000 to get my family and business back on the successful track it was on but had received no good news. So here I am I have exhausted all of my options when it comes to keeping everything together with no help from family or friends I have turned to you. I am not sure who this letter will reach out to. If there is someone out there who is willing to help me by giving me the money I will forever be grateful and you will be saving a man and his family from going down an even harder road than the one I am already on.
Thank you for your time,
It’s the hardest thing to do in the world.
Asking for help.
Swallowing your pride and reaching out to loved ones and friends.
But the response was overwhelming. Instead of feeling shame, I felt pride.
The problem with mental health in men is that we’re programmed to be the alpha male from birth. We cannot show weakness, only strength.
Of course, mental health is just like our physical self. We have peaks and troughs, good times and bad times. The problem is, our pain and suffering is internalized. No one can see what we see.
It’s a horrible, horrible place to be.
My downward spiral started when I was kicked out of home and left to fend for myself. When I saw my friends living the life, I wanted to enjoy the moments, be tagged on Facebook, share the memories. Instead, I was trapped in my flat, accruing more debt as bills and rent accounted for 110% of my salary. The loneliness crept in, doubts emerged in my mind, my self-confidence took a huge dent.
Things did get better for a while. But then there was a crushing blow.
I was in a new job, stressful but financially rewarding for once. I could see an optimistic future.
Then I found out my sister was terminally ill with cancer.
Each year, the months go past as triggers to that event. I know the exact time and date I found out the news, to the hospital visits, the place where I was when we were told she had a month left, and the final days in the Hospice.
Compounding this with three redundancies, a career that has gone sideways and no real support network to speak of meant of course I spiraled deep into a dark place.
I even contemplated how I could join my sister. I thought it best I could go for a run, listen to some music, and just casually jog out in front of a truck. Why I picked that method I’ll never know!
I found to get back to an even keel, I had to try and reach new pleasures. For me, that was food and drink. As a kid, we didn’t each much. As a student, and then in my early 20s, I used to binge. So much so, I again spent more than I could afford. Which of course, made me even more depressed.
It’s such an annoying wasted life I’ve been living, now I’m in my late 30s, deep debt, but rich in love. That’s what I’m focusing on to stay healthy
I’m asking for a little help to provide my family with the Christmas they deserve for putting up with me. A few $ here and there will make a huge difference to us.
The next decade is just a few months away. Your help is going to help us put the past behind us. Thank you.
Firstly I would like to thank you for stopping to read my post.
I am looking to raise money to stop my mortgage company repossessing my house. My problems started about 7 years ago at the age of 30. 7 years ago my husband and I were both in full time employment. My husband employed with an oil company and earning good money and me working within a busy A&E department as a nurses assistant which was my dream job.
I have always suffered with pain in my joints I thought that was all part of the job. Until the pain became unbearable. I was diagnosed with lupus. My health deteriorated very fast until I ended up in hospital where it was discovered I also had kidney disease. I had become so unwell I was forced to give up my job. My husband and two children were great the kids were helping out more round the house and my husbands pay was just enough to cover our out goings. Less than a year after I had to give up my job the oil industry took a down turn and my husband lost his job too. We had to rely on government benefits and quickly fell behind with all our bills.
We were stuck in a cycle of borrowing money to pay bills then borrowing more to pay that and so no. By the time my husband got another job we were in too deep no matter how we tried we just couldn’t get back up to date with everything. The mortgage lender had now begun steps to repossess our family home this would be devastating to my children aged 12 and 16 and for me as it has special adaptations in it for my care requirements. We are about £15,000 behind with our mortgage they will no longer look at setting up a repayment plan because they say it’s passed that stage now.
Many help that can be spared would be greatly appreciated. You can use the link below thank you in advance .
Many Thank youhttps://paypal.me/laurad25?locale.x=en_GB
…but somehow it has come to be that I am in this position. Believe me, I hate it, and if I could see any other way, I would not be asking strangers for money online.
I thought I had my life mapped out, and everything was going along fine. I have 2 jobs, I have a kind family…why am I in this position I hear you ask? Well, all I can say is – we all fall down sometimes. I have found myself spiralling slowly downwards over the last few years. It almost feels like slow motion – for so long I was in denial that I couldn’t support myself financially. I can’t admit it to anyone around me – I have a kind family, for sure, but I could not live with myself if they found out that I was in this position. So I keep up the facade of everything being ‘fine’, and it is truly exhausting. I told people that I took a weekend job on top of my Monday-Friday job ‘because I get bored easily’. That’s not true – my mind and my body are broken from working 7 days straight! I took a weekend job because I found myself in a spiral of debt.
I don’t have a drug problem. I don’t have a gambling problem. I don’t smoke, I don’t drink. I didn’t lose money to an awful ex. I wasn’t the victim of a scam. I just got hit with a few big bills in short succession and the spiral began. And I can’t see a way out. Even working 2 jobs, I’m only making enough money to keep myself out of complete bankruptcy. I am desperate for just enough money to push me over that ledge, back to safe ground where I can begin again and not be constantly clawing my way up the cliff of debt upon debt.
So I am here, quite literally begging. I need £1000 to change my life – and it really will change my life. It will make me safe again – safe from myself and what I am afraid this situation will lead me to do to myself if I can’t get out. I don’t expect anyone to give me anywhere near that amount – why on earth would they?! I’ve read the stories on this site and they are truly heartbreaking. People who have gone through so much – they deserve the money so much more than I do. So all I am asking for is £1. Just one – and with luck, and hope and prayers, enough people might see this and have it in their heart to give me that kindness. And I promise that the day I am in a position to do the same, I will help everyone in whatever way I can.
So my plea to you is – £1. It may just save my life, in more ways than one. I wouldn’t be asking this if there was another way – I need to get over that ledge so I can start my life again. Thank you.
Hello to all reading. My name is Adam Griffiths. I think to myself why am I here? Have I really had to drop this low to a begging website to be a able to find a little help? It seems so.
The reason I am asking for help is as follows. For the last 3 years I have struggled majorly with huge debts. These debts are indeed my own fault admittedly, but not all my own fault. I thought I could be a good person and help someone, someone who was in trouble, sad, depressed and had no image of a good happy life, she was my other half, a women who I thought loved me, turned out I was very mistaken. I decided to help by buying her anything she wanted, this meant getting things on credit to see the smile on her face, this was a mistake I have lived with for 3 years and I am now at breaking point with the financial struggle. Once she got all she needed, she left, no letter, no warning, just left and never heard a thing from her again. And now I am in debt of over £13,000. Since then I fell into a deep abyss of depression and anxiety. I live in fear of meeting people, trusting people, going out with friends. It has gotten so bad that now my hair is falling out at an insane rate. I’m 26 years old and on the verge of self destruction, giving up, lying in a corner to die. I have always been a hard working individual, I do have a job, I work as hard as I can to keep going and keep on pushing, but that is also a struggle, as I get bullied a lot at work, I get cast out from the others, treated differently because I always seem sad. And now I have to degrade myself to cyber begging in hopes of a few…maybe even 1 kind person to show that not everyone has a black heart.
I have no family, father abandoned me when I was 2 years old. A mother that has never loved me or shown what motherly love is. Abused as a child, which haunts me to this day. I still live with my mother which is wrong, I should be out of my mothers house and starting my own future, but it’s impossible to do so with these debts I have, I cannot escape this, it follows me like a bad smell, Keeps me awake most nights too.
I’m not asking for £100,000 I’m not asking for £50,000. I’m simply asking for a little help, this is a desperate , legitimate and last ditch effort at a plea for help from someone who understands and feels the pain I feel everyday. A plea for someone to help take away the feeling of helplessness, sadness, and the struggle to continue.
If there is anyone out there reading this right now, And feels the pain I feel, i am asking you to do the impossible, I’m asking you to make one mans dream come true of being debt free, happy, and powered with the ability to move on with life and pull me out of this hole.
I do not expect to have money handed over without questions being asked, and answered. I am more than happy to have an online conversation with anyone who wishes to help, to prove to you that this is a legit plea for help. With proof of all debts, live conversation if need be.
There is a photo of what this life is doing to me physically, you will see my hair is falling out.
I thank anyone who took the time to read this, I hope this has touched areas of your heart to help.