Reason for joining the site:
Basically, I'm 19 years of age but in 3000+ worth of debt and rising. I daren't tell my parents the truth because I am too embaressed and they are too proud of me and I know they would be really dissapointed if they knew the true extent of my debt. I have joined a debt management scheme to try sort my self out, however some companies don't care, they are threating with CCJ's, Bailiffs and more. Personally I am afraid of what might happen and how much of an impact my actions could have on my future.
How I got into the mess?
When I turned 18 I began to bet, I'd always played poker with the lads at first I was winning and it was all good, however I carried on and became addicted. Once I lost my money I'd carry on trying until I'd won it back, but... I never did. Things got that bad, I lost so much money I turned to payday loans racking up £3000+ and on the rise with interest. No one will help me, I have what feels like the weight of the world on my shoulders. I'm so mad at my self for getting into the situation, things because so bad I dropped out of University because I couldn't sleep at night and felt down all the time.
Reason for change?
The reason I want help to rid the debt is to be able to breathe, relax and not think that everytime someone knocks at the door it's a bailiff. However, the main reason is my girlfriend. I have been with her 18 months and I know she wont stand by me for much longer unless I sort my problems out, the gambling is sorted it's now paying off these companies so it's now make or break unfortunetly.
I'm 19, I have 9 GCSE's and 4 A levels. I work part time but only make around £400 a month, that goes towards rent to my single mam, towards reducing some of my debt, and towards my travel expenses. I am one of 5 children but I am the oldest. If I didn't have to pay over 1/2 my earnings into a debt management program I would be able to do so much more and live such a better life it is dauting. What worries me most is the fact I'm so young my credit rating will be so poor by the time I'm 21 at this rate. I really am desperate, this is my last hope.
Will your money have an impact?
Yes it will, it would help change my life around and better my girlfriends, It would enable us to both look forward together. On top of that I will pledge 1/4 of what is raised for my self to a homeless charity as it's only fair that I try help others at the same time.