Tuesday, 19 March 2013

Money SUX!

Hey y'all, 

WOW! could things get any werse rite now??

Dee is no longer in my life at all, not as friends nuffin, I miss her and ma heart is breaking into a million pieces.

I am subject to benefit changes as of April:
I live alone in a 2 bed house, so I get the 14% bedroom tax, Downsize I hear yas say, well its not that simple:
  • There will b no bed for someone to sleep in iffin I need someone over night
  • I will b in a different area, wont know anyone
  • Its taken me a long 3 years + to make friends wif ma neighbours
  • It would b highly likely I will lose 1 if not all of ma kids
  • I will have to pay for removals, new carpets, decorating etc 
  • Moving will b more than stressful 
So iffin yas haf a solution to all the above please share it....  Due to the new rules I also hafta pay a portion of ma council tax too £22 a month, not a lot I hear yas say, add up all the other monthly bills and take them away from what I recieve nd please tell me how Imma meant to eat?

I am also paying back a 4k+ overpayment in Council tax nd housing benefits from 09/10 When I applied fer the benefit me and Amber was living as a couple, well I still live in the property nd coz Amber apparantly had 16K + of assessts the benefits haf been revoked, but I am left to pay the whole balance.. yes my name was on the claim form but her was too.....

 I haf been to the CAB fer money advice, I dont shout about this but I am in 24K of debt, at least. there is no excuse fer all this debt, I made it... cept one 16K of it belongs to the remains of ma mortgage. I was part of rowner renewal project, my flat is now a car park fer the new Tesco that is being built. Well the flat was werth X First wessex were offering Y. The bank wouldnt decrease the amount nd first wessex wouldnt increase the offer so in the end the bank repossessed my flat nd I was left with the 16K debt. 

CAB haf told me the best thing i can do is go bankrupt... yeah easier said than done, n summat Ive known since 2009 well I cant raise the funds, so I am now having to apply to a charity fer the help. 

I am fighting nd fighting to stay afloat, I am now paying ma bills every month, I dont own a tv as I cant afford the lisence. 

I have a debt wif ma bank, I have a temporary overdraft which is being reduced over time. However the CAB haf told me that I am to change my bank, simples?? nopes as the ONLY bank that does a basic basic basic bank account with a debit card is Natwest... this is the bank I am with now. With no debit card I wont b able to do ma shopping online, this means going rnd a store where there is temptation fer goodies nd also lots of ppls nd then batteling home on the bus wif a shit loada groceries. The CAB haf sed that by paying off this debt to the bank I am prioritising my debts and therefore other creditors will say well why are they being paid off and not me?? I see no soloution to this at all. 

All of this is fuel fer ma depression, as of yet I have not cut but I have bitten ma finger nails till they bleed nd cried my heart out. I have also thought suicide; jumping in front of a bus etc. It is 2pm and I have not taken this mornings meds as I am shit scared of taking the whole lot.

The only reason I am able to write this is coz of ma kids, take them away from me nd i have nothing. I am actually waiting fer some azzhole to cause me problems wif regards to ma kids.....

Its not all shit tho.... I am now a divorcee, the one bit of good news I received on friday! 




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