I kindly ask you to please read my letter to the very end and to please not assume that I am after a handout or free money.
I am sure you receive allot of letters requesting for help and allot of people take advantage of you/site. Of course, it’s a beautiful thing to be in a position to help others and I admire those that think of others in need, vulnerable and unprivileged. I can NEVER justify asking for free money as I am in no way deserving.
I am very embarrassed to write this letter, I’ll say this straight up. But the worst thing that could happen is that you could ignore this letter altogether and hit delete. I am not asking for a donation or free money.
I have been blessed all my life and I am still blessed but I in a situation which has forced to come up with this crazy idea to approach your site with this request thinking maybe you can help me with it.
We (my two sisters and brother) were raised by our beloved mother who was an amazing woman and my inspiration in life. She did everything in her power to raise us on her own because my dad was a selfish man. Unfortunately my mother died due to Lung cancer in 2003 at the young age of 46.
We struggled without her as she was our rock. Her death was very tough on us but we did well considering all the circumstances. I still remember the day I was woken up at 4am to be told she passed away after a long struggle with cancer. She was buried in Auckland New Zealand.
We since all moved to Australia. I have two beautiful sisters and a brother. My younger sister and my brother struggled the most with her passing but thank God, we have come a long way and we made it ok. We are so lucky and blessed.
I worked really hard since I was 14 years old and I am still working at 37 and it’s a blessing to be in a position to support yourself and family without asking anyone for help. I cannot sit here and say we we struggled or provide a sob story when in fact there are other families in much worst situations and it’s embarrassing to even say the word struggle when you have people living in the streets with no shelter and no food. I took a trip last year to Cambodia to assist a charity programme to feed the poor villages there; I saw the meaning of struggle. I am sure other countries and people have it hard too.
Losing mum was very tough especially for my young sister and brother who have seen dark days. At one point my sister did not want to wake up and did not see the meaning of living. My brother took the other way and drowned his sorrows in the most typical way, in drugs and alcohol and was involved with bad, very bad people.
At one point, I saw myself asking my boss to work from home (to monitor my sister so she doesn’t do anything to harm herself) and to try and help my brother. He has caused us years of horrible memories; I don’t wish that on my worst enemy. He has drained us emotionally and financially. Especially me.
I asked my dad for financial help many times to assist in putting my brother into rehab. But I was ignored every time even though he said he loved us.(my dad is a separate story..)
I was determined to turn my life around; I prayed and asked God for strength to get me through this difficult time. My older sister was married and in a different city and my brother and sister were living with me.
Thankfully my brother did eventually ask for help. He was taken into hospital rehab, multiple times as he relapsed. He was involved with really bad people. The sort of people that would really harm you and your family should you cross them.
At one point, he was so out of it, and his phone would not stop ringing but he wouldn’t answer it because he owes money to some bad people. Apparently those people allow you to borrow in advance till your next pay. There was threatening messages on his phone along the lines of, if you don’t pay we will come after your family. Without even thinking I find myself answering whoever that person was and agreeing to pay the debt and asking them please to stay away from my brother as he needs help. I didn’t even think twice about going to pay his debt off as I had a younger sister and her safety means the world to me. I was afraid they would harm her to get back at him.
He borrowed money from us multiple times, especially me. He stole items from the house; he borrowed my car and got me multiple fines. He destroyed me financially but I am very happy that he is now recovered and clean and trying to turn his life around.
I put him into hospital and paid for all his rehab and doctors’ appointments, for the fines. Paid for my sister’s doctors’ appointments. Since dad didn’t help, I borrowed money left right and centre and worked tirelessly at my full time job and did other jobs on the side to pay these expenses off.
I spent many nights crying but never gave up. My young sister is now married with a beautiful child and my brother has recovered and is clean and sober. I think it’s because of all the good deeds that my mother did when she was alive that things turned out this way and I am so happy and forever grateful.
Unfortunately, this has left me in a really bad shape financially. I have had to borrow money left right and centre and I spent years paying off most of the debt.
There is one personal large debt that I could not pay and I need to pay it by November this year. I am not asking you to give me money. I am asking you to please consider ‘loaning me the money’ SECURED AGAINST MY PROPERTY.
I do have my townhouse with a mortgage and I do work full time and the house has an equity of about $250K AUD. I have no credit cards or other personal loans. I don’t shop materialistically and I happily wear the same two skirts I have had for the last 10 years (no jokes). I live very simply and I don’t live beyond my means. The banks and their stupid lending criteria won’t lend me despite having that equity (well they will lend me about $10K but not what I need to pay off this loan).
Please hear me out.
Would you please consider loaning me the amount of $150k AUD ‘secured’ against my property? I am not asking for free money. And I understand your concerns loaning money to a stranger and wondering if you would ever get this money back that’s why if you ever be kind to lend me this amount, I would put a caveat in your name against my property. This means I cannot sell my property or request finance against it ever without paying you the amount of $150k AUD back. Your interest is secured against my house.
My mortgage is $450k AUD and my property is valued at $600k+ AUD. It’s a beautiful 2 bedroom double brick townhouse built in 1986 by a Turkish builder who built it with love. Not many houses are built double brick these days.
This is how I am planning to pay you back the $150K AUD should you ever be kind enough to consider helping me:
-I would rent out the townhouse that I am currently living in and move out to my sister’s house. That way the rental income would pay for the mortgage. Also, being a rental property means that most expenses would be tax deductable.
-I work full time and I earn $2100 AUD net a fortnight. I would pay you back a minimum of $1000 a fortnight.(the terms can be all written in the caveat so you are protected).
-I would also find a second job (weekend or evening) to boost up the repayments and to cover me should I need to pay for anything unexpected.
-I am determined to pay you back this amount under 3 years. Either way the caveat on the property protects your interest and properties in Sydney have continuously gone up. Sydney property market is one of the best in the country. We can even put a clause in the caveat that states if I don’t pay you in three years then I would sell the house (and of course if that happens then the bank gets their money back ie mortgage repaid and you get your caveat amount).
-I will pay for the lawyer’s fee in setting up all legal documents.
-Of course lending comes with interest or an extra amount profit to you. I am not expecting you to lend me interest free. You can set that amount or figure ( I hope you find it in your heart to make this figure reasonable for me to manage though).
-I have also thought tirelessly of ways to earn more money to manage this debt. I am selling all my personal items at home. I will be doing surveys online. Any way I can earn money legally and ethically I will attempt in order to pay you back this loan in this time frame.
-This might sound stupid but I thought Ill share this with you. I am also collecting cans/bottles for recycling because in Sydney we collect and return and earn $0.10 cents per can/bottle. This way I am doing my part for the environment and earning money.
-I am even happy to work for you if you would allow me to.
You might think why you don’t just sell the property. I have considered it and that might be what I have to do and I am happy to do that. It’s just that putting a property on the market does not guarantee a quick sale by November or for the right price
I am a hard working person, I worked really hard since I was 14 years of age and I am so blessed to still have my two sisters and my brother alive and around me. I am not asking for free money. And yes, even asking for a loan is embarrassing but I am desperate. I need to pay this person back. I will provide any document you want to prove everything I said is true. I did ask for a ‘caveat loan’ but financial institutions don’t lend caveat loans for personal reasons only for business reasons and they only lend 60% of the value of the equity available in the asset. I have a good credit file and I have ordered a recent credit file to prove to you as well that I have no defaults.
Please find it in your heart to help me. Yes I understand there are people in the world in worst positions than me who have no food or shelter. That’s the part that is killing me and the embarrassment I am talking about before. I am embarrassed and ashamed of myself but I am asking for a secured loan against my property, I am not asking for free money or donation. I am so grateful for all the blessings I have in my life and I am determined to turn my life around. I never gave up on my siblings, I never gave up in the past and I am not going to give up now.
As God as my witness, there is nothing that I have written in this letter that is a lie. I know allot of people write sob stories or make up things just to get something back. My mother raised me better than to do that. I am not going to tell you a sad story so that I can scab free money from you.
I will provide all documents that you can verify with any legal firm/verification firm like my payslips, my credit file, my property, and my mortgage statements. (Even my mother’s death certificate and proof my brother went to rehab…multiple times).
I am not perfect, far from it. I made so many mistakes but I do have a huge heart. I did my part and gave back to society (it’s not nice to mention that I did do good deeds) but I helped allot of people and I am hoping that I can be helped now but this is not the sort of money I can ask friends and family as they do not have that sort of money to lend me.
You are in no obligation to help me or believe me but if you do, I would provide all documents to prove what I said and like I said earlier, your interest is protected as you would have a caveat under your name on my property that protects the money that you would lend me with the conditions you set and agree on.
I am really desperate. I am actually shaking writing this letter. Losing my mother is my lowest point of my life so nothing comes close to it but being in this position is also bad. I hate to ask for a loan. I am not asking for charity money or donation. I will never do that. My overall well-being has been affected as I am stressing about the money that I need to pay by this November this year. I am actually nauseous.
I understand you don’t know me and may not believe me. I am happy to provide anything you want to prove to you who I am and that what I said is true. There is allot about me that you don’t know and I am sure a letter like this does not really paint a true picture of the kind of person I really am.
Would you please consider helping me out in my situation? I struggled and put my life on the side for my family. I couldn’t finish university and I don’t regret anything I did, even the mistakes I made shaped me into the person I am now.
I am sure when you started out you had struggles and had dark days and you had people help you out, people that stood by you. Maybe you had no help but I am sure you know the feeling of helping someone in need when you can. I did in the past and I don’t regret it. I put my family first and I did everything to protect them like my mother asked me to on her death bed. I love my family and I am forever grateful for all the blessings that God has given me.
I wrote this letter from the heart, it’s not perfect, it’s all over the place but rest assured I am a decent person. I am a hard working person. You more than welcome to come to my house and meet me in person (which I would be honoured if you do) or ask me any question you want or clarification via phone or email which ever you prefer (if you ever decide to reply to me).
I am going to try my best to seek help, I will try all avenues, but of course I can only have ‘one caveat’ on my property. I am sure allot of people might read this letter and laugh it off, delete it and ignore it or might be too busy to even open it. I know I am crazy for even thinking that someone as important and famous as you would consider even replying to me let alone help me with this loan but nevertheless, if you did read to the end, I want to thank you for your time and attention and I wish you and your family and loved ones all the best of life.
If by any miracle or chance I get helped already by another avenue, I will contact you and let you know to disregard this request/letter.
May you never be in a position like mine, where you have to ask for loan using this crazy method like mine, but like they say, desperate means desperate measures.
My email address is Auckland_nz@live.com.au . If you don’t wish to help that’s fine, but please don’t make fun of me or my letter by sharing in public or social media. Please respect me and my privacy by just deleting it. I understand it’s pathetic and like I said earlier, I am not proud of myself to write this letter or to ask for a loan. But here I am.
From what is left from the water of my face and pride, I thank you for hopefully reading this letter to the end.
I hope to hear back from you….
Someone in desperate position….