Hi all,
I have got myself in to a bit of a mess to say the least and need advice before well Im not sure! I recently split from my partner 4 months ago leaving with me with additional debt as I had to leave our home (jointly owned) with our 2 young children. I have had to reduce hours set up home and its all come to a huge head!!
I have debts of around 17 grand and I have been using a credit card a lot in past 2/3 months. I didnt expect it to turn out like this although I should have known.
I have a loan 2 credit cards and a catalougue bill, Im on mat leave and recently made 2 cash withdrawls 450, a balance transfer and bought a home phone on my card.
Today I found out that next month I wont get full mat pay so this is 290 plus pay for 2 days work which leaves me with no where near enough to cover my debts, rent or much else!
I spoke to CCCS who said that it could be seen as fraud if I continue to use credit? So what do I do?? I have 2 very small children to support. Im so scared and in tears as I write this.
I want to start a DMP but they say I cant until I can show my earnings which wont be until August! I have had to cut my hours because of being on my own and having 2 small children to look after.
My name is on the mortgage with my ex he doesnt know the extent of the situation nor do I want him to know he is very difficult and will make trouble for me and the children I pay nothing to it and I have no access to the details of it.
Can anyone reassure me I wont be going to prison?! That may sound stupid but im in a real panic. I have been trying to deal with this convincing myself could cope and afford to pay it all but now im worried sick.
I was never purposefully fraudulant and I was just trying to make a home and support my children.
Perhaps I should move myself and 2 children back into my parents house but they are getting older have 3 dogs one cat and its crowded and then would my ex have a good case to fight for residency?! But I would be able to make the repayments that they want and are agreed!
Can anyone help with nay advice? Many thanks.
A worried stressed end of my tether me.