golders

has anyone ballsed up big time?

45 posts in this topic

Hi Peeps,

I'm up sh#t's creek and never even had a paddle.

I'm in debt, lots of it, my parents have found out and hate me. I have squandered money that I don't really have on whores and in the bookies. Perhaps that's why I have been suffering from depression.

Ive been a right mug!:rolleyes:

All the punters who come on here seem to have a great time, sharing their stories of fantastic punts, of affairs with call girls, of freebies. Perhaps the reality is a little different.. Well, it is for me!:mad:

This could be my last post for a while as i'm not sure if they have internet access in lunatic asylums/on the street/ etc.

How did I let it come to this? I'm sure i'm not a bad person, but apparantly I am no better than a crook.

Golders

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Lots of people in debt - if you can run it up to a few Billion maybe you could get bailed out? :rolleyes:

I couldn't enjoy Punting unless it was with money that was truly surplus to requirements - hence my cessation at the moment.

You have my sympathies though - have you tried the Citizens Advice Bureau?

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Maybe you should go on the game, make some pennies. ..

Oh, and 'man up'...

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You haven't killed anyone, it's only money, it's not the end of the world. Stop what you're doing, admit your errors to people you hurt & people you owe, make a plan to pay them back. If its banks you owe to, make them a settlement offer, they'll usually go for it.

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Thanks for your help so far guys!:(

My parents are close to disowning me, im a class A clown :mad:

I dont think I should go on the game, ive looked into it and most escort agencies looking for me that ive seen charge a 300 quid registration fee- surely a con/bate and switch!:rolleyes:

I do need to man up though,ive been bailed out too many times...silver spoon and all that...

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Maybe you should go on the game, make some pennies. ..

Oh, and 'man up'...

Ever have experience of a friend with a depressive illness buddy? Thought not. If you had then you wouldn't make such dumbass ill informed comments.

I don't know about this dude's case but depression is nothing to take the piss out of. A couple of good mates suffered with this. I'd wager they'd be more than man enough for you sunshine.

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Depending upon the severity of the issue, you may wish to consider addiction groups similar to AA, since I take it based upon your post, that this along with gambling are principal factors in you getting into severe debt?

Recognition of problem is the first positive step you can take on the path to a more sustainable balance between "real world" and the "pleasure world".

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Ever have experience of a friend with a depressive illness buddy? Thought not. If you had then you wouldn't make such dumbass ill informed comments.

I don't know about this dude's case but depression is nothing to take the piss out of. A couple of good mates suffered with this. I'd wager they'd be more than man enough for you sunshine.

It's too easy to take an easy way out now-a-days. Blame depression, blame bad parenting, blame, blame, blame everything but yourself.

Here is a kid that wanted it all and is waiting for someone to bail him out. I have no sympathy for a dud getting himself skint and in debt fucking hookers and gambling at the bookies/casino.

Live within your means is an easy method for life... as is eat less, move more fatties..

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Well let's hope he pulls himself out of it then. People suffer from compulsions for all sorts of different reasons, he seems to have acknowledge his problem. How he acts is his choice of course but what I was saying is that depression is a pretty dark place and not easy to get out from. It's a recognised medical condition, deserving of sympathy but not over indulgence as this won't do the patient any good. How you react when you've been diagnosed is your choice.

I realise my reply was a little hostile Alm, you just caught me at a bad time.

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Hi Peeps,

I'm up sh#t's creek and never even had a paddle.

I'm in debt, lots of it, my parents have found out and hate me. I have squandered money that I don't really have on whores and in the bookies. Perhaps that's why I have been suffering from depression.

Ive been a right mug!:eek:

All the punters who come on here seem to have a great time, sharing their stories of fantastic punts, of affairs with call girls, of freebies. Perhaps the reality is a little different.. Well, it is for me!:rolleyes:

This could be my last post for a while as i'm not sure if they have internet access in lunatic asylums/on the street/ etc.

How did I let it come to this? I'm sure i'm not a bad person, but apparantly I am no better than a crook.

Golders

Dude you sound like me apart from the fact I have yet to be found out. How old are you?

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My biggest balls up was putting £100 on England to beat Brazil in the 2002 world cup :eek:

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No problem kenobi, last thing I want is a 'flame war'... ha

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Done debt and depression myself- a real viscious circle... Sincerely wish you well.

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I think Alm has a point...

I'm 25 years old and have been suffering from depression on and off since leaving school at 18- i'd much prefer a broken leg as that should heal wheras it looks like im going to be battling mental illness for the rest of my life.

But I know it's my fault and that I amthe only one at fault. My parents come a close second;)

I'm also far luckier than others who, less fortunate than me, have no one to turn to when in trouble

Frank,whats your story?feel free to pm me if you don't want to go public.

Golders

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sad to hear this mate.

i was once in a situation where i was spending all my wages on fruit machines. i got myself into big debt and hated the world.

trust me, it will get better. addictions are just an illness, and they can be cured, but its a long road, and just take one step at a time. the first step, which is an absolute must if you want to stop gambling is go to a gamblers anonymous session.

i went and it was the best thing i ever did. I still gamble now and again with money, but nowhere near what i used to do, and i can control it.

punting on the other hand is getting bloody ridiculous for me, and i can see how easy it would be to get yourself into loads of debt with it.

fortunatly i have means of making spare money appear with sideline jobs, but im sure if i didnt have the spare cash, then i would be tempted to borrow and pay it back at a later date. which is where the trouble starts.

i will have to be strong when that happens, and think about how it used to be when i had no cash and was gambling it all away.

it will get better, and there are support groups that ~WILL help you. just take one step at a time and eventually you will see the light at the end of the tunnel.

im only speculating here and things could be seriously out of control. i really hope not as i wouldnt wish that on anyone.

how much debt are you in if you dont mind me asking?

or just tell me to bugger off and mind my own business

chin up mate:)

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student loan- 10k :rolleyes:

overdrafts and other loans- 6k:eek:

Im also signed off sick but go back hopefully next week!:eek:

Update- my dad is bailing me out with 400 quid to keep the creditors away from his beloved home.

My folks found out when I told them I was in financial difficulty, demanded to see my statements, and it all came out in the open. My poor mother is devastated.

Also, do you see depression as being classed as 'a mental disability'??

My doctor was asked by my work when I could be expected to return and said this- not too happy about his choice of words.what do you guys think?

Golders

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Listen! like many people out there,you've lived beyond your means.Most are in debt by buying extra bloody houses they don't need for rent jobs! hey thats an idea,if legalisation comes i'm buying one and renting out as a Boudoir!

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student loan- 10k :rolleyes:

overdrafts and other loans- 6k:eek:

Im also signed off sick but go back hopefully next week!:eek:

Update- my dad is bailing me out with 400 quid to keep the creditors away from his beloved home.

My folks found out when I told them I was in financial difficulty, demanded to see my statements, and it all came out in the open. My poor mother is devastated.

Also, do you see depression as being classed as 'a mental disability'??

My doctor was asked by my work when I could be expected to return and said this- not too happy about his choice of words.what do you guys think?

Golders

Bankruptcy is an option. However, if you did go down that road you would really need to go for professional help to stop the problems happening again.

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Golders

I did far worse than you money wise

I've always had a job paying >£1500 a month net since leaving uni in 2001 and have always lived in the parental home

But mainly from punting (massage parlours, the occasional escort girl, lap dancing clubs,) and also cars, holidays and a bit of sports betting racked up debts > £50,000 by middle of 2007.

By that stage my monthly salary couldn't even make my monthly payments so basically just stopped paying - changed my mobile number - ignored debtors letters and any phone calls that came through just told the lenders and debt collectors I had moved w/o leaving a future address

As I have no assets my debtors stopped chasing me from about middle of 2008 onwards

Obviously I won't be able to get credit again for the foreseeable - the positive for me is that I have finally learnt to live within my means

I also have understanding parents who were prepared to let me stay in the house and effectively lie for me by saying that I had left

In your case your debt doesn't seem to be too big (obviously this depends on how much you are earning)

So if you have the desire and will power to sort out your finances - you will have the option of entering into a repayment plan with your bank (but at a high interest rate of >20% APR) which is definitely worth doing if you want to earn back the respect of your parents and preserve your credit rating

But seriously don't get depressed about it - the banks chose to lend you the money - it will just be a small dent on their profits if you don't pay it back. They can't go hassling your parents for your debt.

Also without trying to sound all Jerry Springer - learn to love yourself and think of enjoying fit escort girls and betting as treats yourself rather than working all month to feed these addictions - which will hopefully see you become more discerning in your punting and betting.

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£16k debt? Hardly world shattering and if you take the advice given here and shape up then you should be able to sort that in 12 months.

Not wishing to mock the afflicted or to make light but if someone as badly sorted out by life as Stephen Hawkings can get where he got then Depression and lack of self control seems minor in comparison.

You seem to have parents who have given you a lot in life, "silver spoon", time to grow up a little and pay them back by being more responsible and learning from this experience and not repeating it.

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£16000 is not a fortune in the scheme of things, it's about the same as a reasonable family car. The £10000 student loan is only payable when you are earning above a certain figure. The other £6000 should be managable if you get in touch with the lenders, who will most often be prepared to accept any reasonable amount on a monthly basis. Important thing is not to run away.If you talk to the lenders,unless they are the sort who go around with chin stubble and baseball bats, you can probably sort something out. If they won't agree then go to CAB and think about an IVA, although for this level of debt it seems a bit extreme.

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It's too easy to take an easy way out now-a-days. Blame depression, blame bad parenting, blame, blame, blame everything but yourself.

Here is a kid that wanted it all and is waiting for someone to bail him out. I have no sympathy for a dud getting himself skint and in debt fucking hookers and gambling at the bookies/casino.

Live within your means is an easy method for life... as is eat less, move more fatties..

Oh if only life was that simple. The health profession would save a small fortune on prescriptions if you were in charge wouldn't they? Just think! No depression, no weight related illnessess, no addictions... Anything else you think is easy to change and deal with while your at it?

Get real....

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Agreed, 16K is not a gargantuan amount of debt (esp. when you consider the student loan amount). It might seem as though it is, but it isn't. Can it be paid back incrementally under a court order (talking to your bank, debt counselor, parents, student loans company)?? You clearly have very supportive and understanding parents - excellent and lucky you! Don't take advantage of them: pay them back as and when you can, and offer them your moral support in terms of crises (whatever Life may throw up). You will get over this. :eek: Perhaps forget about punting for a while - anyhow, it's over-rated;)

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It's too easy to take an easy way out now-a-days. Blame depression, blame bad parenting, blame, blame, blame everything but yourself.

Here is a kid that wanted it all and is waiting for someone to bail him out. I have no sympathy for a dud getting himself skint and in debt fucking hookers and gambling at the bookies/casino.

Live within your means is an easy method for life... as is eat less, move more fatties..

I am with you on this one - the guy needs to get a life and stop moaning.

There are jobs out there - you may not like them or enoy them but earning any money will give you a sense of pride and stop your moaning.

I suspect that some of your money finances smoking (all products), drink and other indulgences. Give them up.

Pay your parents off at £1 a week

I could go on but you are one of the many with no real sense of responsibility calling being unhappy, 'depression.'

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