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I need your help please

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Written by itsonlyme 22. Jul 2008 01:45 AM

And so the story goes that you probably hear everyday, but I am not sure what to do now. All direct debits are coming from my bank account. The mortgage is going into its first week of default, what should I do? Stop all debits? I can't afford them all. The mortgage is going to go into default this week, he does not care, at all. Do I stop them all and open a new account excluding the mortgage or do I leave it and go broke to the point where I can't feed my beautiful children. This crp is doing my head in and I don't know where to turn. As usual my family asshole posers who's lives are perfect. I can only think to give my children that I have raised and loved and looked after to their Dad.??Because I can't cope. I just can't cope. My children mean so much to me and I feel hopeless. desperate. I can see that rental properties in Perth are big $$ and hard to obtain. I just need to know.. I am good person, I do the right thing and want a good honest happy relationship...why am I loosing my home because of a man that wants to cheat? Why?????????? What rights do I have here. Please help me.

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Comments from the community:

Hey itsonly,
I'm so sorry ur in this position, and I hope I can help somewhat.
This is what I did when i found myself similar.
First, I rang the bank and stopped the direct debit.
Then straight away call the bank and tell them what you've done, and why . They don't want to re-posess, so they will be most helpful to make alternative arrangements -- even if its 'interest only' for a while.

It will give you some breathing space --as it did for me , till I got my head around things.
Once I decided I was selling, I notified them and told them no more payments would be made , and they could be taken out from settlement. This gave me a short time to gather some extra funds to cover finding some place to rent /bond -- all that stuff.

Direct debits are good if ur a great budgeter, but it doesn't take much to get into trouble ie: getting sick

I would get rid of all direct debits for a while till you can get things on track, and see what expenses you do have on each utility.

Please bear in mind these are my suggestions only .

Your local Centrelink 'may' have advice , but they're most likely to send you to welfare services ,try contacting your local council direct-and get an appt. with their financial services counselling.

I hope and pray things work out.
Sleep with angels,
Bryzy

Written by Bryan, 22. Jul 2008 03:59 AM

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