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Another Update: Going to Court, Mental Health + Refunds
12 years ago
So, I really didn't want to write about this on FA but you're probably actually the people I trust the most. Plus it's getting just TOO much for me.
Court Summons
Tomorrow we have to go to court for a summons regarding unpayment of council tax. We were TOLD it was sorted by the council numerous times. We even went in with our social worker. But it seems maybe we forgot to send in a form here or there, I'm not even sure anymore.
I am SO scared, ashamed and anxious about it. I don't know what we're going to do. People are telling us to calm down but all I can think is the worst. I'm getting to the point I want to go to sleep and not wake up. I've never been to court before and I have no idea what to do or expect.
We owe £600-something apparently but we literally have no money to pay them, I don't know what to do...
Financial Stuff
I didn't have any luck getting a loan, I don't have a guarantor. Some WONDERFUL people on here made donations which is just the greatest thing ever <3 Thank you all SO much! We managed to get some food in the house yesterday so I'm incredibly grateful for that!!
My bank has, in the meanwhile, FROZEN my business account as it's so overdrawn and now I can't even check the balance. I know I put maybe £100 into it but I don't know how much it is overdrawn now as I can't see it, haha. I will try and ring them tomorrow if I can get the courage.
On the plus side, I got an appointment with a debt councillor on Monday so I really, REALLY hope he can help me.
Mental Health
Deteriorating fast. My depression is dragging me down and I just want to sleep. I really am starting to not give a shit about anything, I've started bad habits again too. I've been eating healthy and exercising but it's just all the same.
Everyday grind and ugh. I want to meet with friends and talk and be happy but I just can't. I want to go out for coffee and talk about furries and ponies but everyone lives too far away.
I am so lucky to live with Charlie right now but I am just scared of dragging him down too.
Refunds to Customers
Please, and I mean PLEASE do not harrass me about owed artwork. I have had multiple emails to the point I am terrified of checking my inbox as I know that harshly worded emails lie in the shadows there.
I cannot refund you when I physically and literally do not have ANY money. I just can't. You will get your artwork, I am just not in the best place to deliver my best right now.
I am not an art machine. You don't just put money in and art comes out.
I am so stressed, upset, angry and depressed I don't know what to do.
I just want to run down a highway and never stop until I dehydrate and die.
I am so lost and I don't know what I am supposed to do.
Previous journals:
https://www.furaffinity.net/journal/4943844/
https://www.furaffinity.net/journal/4950413/
Court Summons
Tomorrow we have to go to court for a summons regarding unpayment of council tax. We were TOLD it was sorted by the council numerous times. We even went in with our social worker. But it seems maybe we forgot to send in a form here or there, I'm not even sure anymore.
I am SO scared, ashamed and anxious about it. I don't know what we're going to do. People are telling us to calm down but all I can think is the worst. I'm getting to the point I want to go to sleep and not wake up. I've never been to court before and I have no idea what to do or expect.
We owe £600-something apparently but we literally have no money to pay them, I don't know what to do...
Financial Stuff
I didn't have any luck getting a loan, I don't have a guarantor. Some WONDERFUL people on here made donations which is just the greatest thing ever <3 Thank you all SO much! We managed to get some food in the house yesterday so I'm incredibly grateful for that!!
My bank has, in the meanwhile, FROZEN my business account as it's so overdrawn and now I can't even check the balance. I know I put maybe £100 into it but I don't know how much it is overdrawn now as I can't see it, haha. I will try and ring them tomorrow if I can get the courage.
On the plus side, I got an appointment with a debt councillor on Monday so I really, REALLY hope he can help me.
Mental Health
Deteriorating fast. My depression is dragging me down and I just want to sleep. I really am starting to not give a shit about anything, I've started bad habits again too. I've been eating healthy and exercising but it's just all the same.
Everyday grind and ugh. I want to meet with friends and talk and be happy but I just can't. I want to go out for coffee and talk about furries and ponies but everyone lives too far away.
I am so lucky to live with Charlie right now but I am just scared of dragging him down too.
Refunds to Customers
Please, and I mean PLEASE do not harrass me about owed artwork. I have had multiple emails to the point I am terrified of checking my inbox as I know that harshly worded emails lie in the shadows there.
I cannot refund you when I physically and literally do not have ANY money. I just can't. You will get your artwork, I am just not in the best place to deliver my best right now.
I am not an art machine. You don't just put money in and art comes out.
I am so stressed, upset, angry and depressed I don't know what to do.
I just want to run down a highway and never stop until I dehydrate and die.
I am so lost and I don't know what I am supposed to do.
Previous journals:
https://www.furaffinity.net/journal/4943844/
https://www.furaffinity.net/journal/4950413/
I wish you all the luck I can man :P if you need help with anything, just ask! ^u^ (I don't know what, but meh, you need something and Ill help :3)
I could even support you like I said I would in promoting you there if you are up to it and we can get you there. If not I will be sure to donate some of my return to you.
I have started to get really bad, mental health wise and has hard as it is (because your condition works against you doing this) keeping occupied might help out in that regard.
Thanks so much though ;3;
I feel you with the depression and anxiety, I keep dropping in and out of it over way smaller problems but it's definitely there and it's not fun at all to say the least X3
I read your other journals; did you speak to Citizen's Advice? I'm always told they are the people to go to for this kind of stuff overall.
I wish I could help but I really don't know anything about this sort of stuff :(
My boyfriend knows a lot about this stuff though, so i'll give him a poke and see if he knows anything helpful.
Don't think the worst though. Things are never as bad as they seem, i've learnt that so many times now x3 There's always a simple answer to everything even if it doesn't seem that way now.
You WILL get through it, they don't just let people suffer - bear in mind it's in their interests to get the money they're owed in a way you can manage to pay it at the end of the day.
Let us know how you get on won't you? It's worrying reading things like this, I really want everything to work out for you :(
You're a sweetie <3
And we went to the court thing today, it was stressful but wasn't as bad as I thought at all!
We decided to drop out of BUCK as much as we didn't want to, as we just can't afford to spend the money and I think we'd feel super guilty being there
jlskjdklj thank you so much though
We'll make this up to you somehow soon!!
*hugs*
I am sorry your council are being dicks right now and for everything else
I really do wish I could help but know we are here and thinking of ye as hard as we can
My parents have just gone through getting a "Debt Relief Order", (https://www.moneyadviceservice.org......land-and-wales), this has given them a little grace in getting things frozen until they can pay them off little by little. Maybe this could be a route, depending on what type of debts they accept.
I saw someone give you the advice to speak to the CAB (Citizen's Advice Bureau), I really, really recommend taking advantage of their free money advice and debt advice services. As this drags on you're going to find it harder to deal with, especially with your condition/s.
I wish you all the best in dealing with this, I really do. And I urge people to be patient with you whilst you get through this.
Much love to you and Charlie <3
Citizen's advice have been good so far and I have a debt advisor appointment thing on monday so I hope that will go ok!
Thanks for the help <3
Wishing you all the best,
Cads
dont be scared, if you were told by the council it was fine countless times, and Charlie is your alibi, surely they cant do anything at all.
Please text me if you can and tell me how it goes.
The debt advisor should be a great help, there is plenty of ways for people to find some sort of relief and help, and that person shuld have the knowledge.
*hugs tighter* i love you guys so much, stay strong things will work out, and we will dot hat car-boot sale, and if i can see you beforehand tempted to skive work to see you, use the petrol i would normally use to see you instead <3 rrrf
love you please have a nice cup of tea and stay calm and strong, stay away from anything work related for the moment until youve seen the advisors and the works.
people will have to fucking wait, your sanity is more important. <3
Though it's not something I would normally talk about, I have been dealing with significant debt for some time myself and I will be for some time to come. The advice above is great especially about the money advice service. However, from my experience, I have dealt with an organisation called stepchange who are a debt charity. They were formerly known as the consumer credit counselling service and they offer free and independant advice on how to deal with debt as well as running through everything you owe, what you need to regularly pay (ie bills) and how much you can afford to repay and the best ways of managing that (whether it be a debt management plan or in more severe cases, potentially even IVA's and bankruptcy, though they are more last resorts!).
Please note, this is for the UK only as it's all to do with UK law, but the service is free, very helpful with great advice and re-assurance.
Personally, I've had threatening letters, the solicitors and debt collector letters, but that's as far as anythings ever gone and though I've struggled in the past the help I've had has kept me going and prevented any legal proceedings or trouble for me. It's changed my outlook on life for the better, given me great re-assuance and I dare say, improved my confidence too!
I would always encourage anyone who is having any trouble whatsoever financially, to contact stepchange as soon as possible, as the earlier the help is sought, normally, the lesser the impact of the situation on your life.
Please, if any of you ever struggle with debt, don't suffer alone and worry about what to do.
You can contact StepChange via their website www.stepchange.org or by phone in the UK on 0800 138 1111 (8am-8pm mon-fri or 9am-3pm sat) they can even call you back if you can't make or afford to call them!
If I can ever be of any help to any of you, I will gladly support anyone as best I can with knowledge I have gained from my experiences.
NK ^..^
For once I actually am glad to live in the UK, we have so much free help here and stuff ;3;
THANK YOU though, I'll let everyone know how my call goes tomorrow!!
THANK YOU
This is going to help so much
Thanks so much fdkljjksfd
I'll make this up to you someone soon
thank you so much ;_;