I'm screwed. I've been an ostrich and now there's no where else to hide

[Completelyfinanciallyscrewed]

Tomorrow morning at 11am my family and I will be evicted, unless I can miracle up £2500. I've buried my head in a hell of a lot of sand and now it's too late. I'll lose my home, my family, my husband. All because I have no clue how to handle money. I could blame dh, because he likes to spend, I could blame my parents for never teaching me how to budget. But the truth is I could have learnt how to do these things myself instead of expecting people to bail me out.

I am bereft and I do not know which way to turn now. I'm waiting to get the DC to bed and dh off to work to ring my parents and let them know. I don't expect they will be able to help me with so little notice. But at least I can have a good cry.

Clearly the DC can feel my stress as they are all acting up. But I shall have to face the reality somehow. Finally I cannot walk away.

Well done. Now keep it up, work out a realistic plan with the help of cab or Stepchange and stick to it. Good luck.

A roller coaster of an evening - but do you feel better for facing up to things?

Thank you for all for being diplomatic and gentle with your words. I intend to stick around this forum to make sure I keep on track and get things back to manageable, and pay back my parents. They haven't told me when they expect to get the money back yet, they want me to get this sorted first and make sure everything is organised with the house and that we are safe to stay. But of course this is only a loan, albeit one without interest and it will need to be taken into account in the future.

Well done. You can do this. You can.

Well done. You'll manage it.

Well done, OP. I don't know if it'll make you feel any better but this is incredibly common. Many people are shit with money and it takes them until the brink of eviction - literally bailiffs at the door - to wake up and start to take control.

Full payment of the arrears will stop any further action at this time. Please do seek independent money advice and debt counselling. Many offer telephone or email
Assistance so you don't even have to see anyone in person, although some find the face-to-face service more helpful for them. They will help you to prioritise your payments and debts and negotiate with creditors on your behalf if necessary and make a budget.

Good luck, OP.

I do feel better. Although with a massive emotional headache.

That's to be expected. Are the DCs in bed now?

Be prepared for the possibility that even payment of all the arrears will not stop the eviction.

Sometimes the mortgage company says that the mortgage is unaffordable so the eviction should go ahead. You must be ready to make an emergency court application tomorrow morning.

If the mortgage co have already said they will stop the eviction if you pay up, that's fine and good, and your plans are just right.

But please bear in mind that you might have to go to court instead of being at the bank at 9.30 tomorrow.

DC are all in bed and asleep. I'm forcing myself to tidy the toys away and do the dishes so I don't have to come down to it in the morning.

Let's await the early phone call to the mortgage company. The OP will be showing that she has 'backers' and a plan which will likely prove acceptable.

Maybe go bathe/shower, have a cup of tea and head to bed? You need to be fresh for tomorrow.

I am so pleased it's going to be all right for you.

I think you were incredibly brave posting here

CAB is the best place you can go. They maybe able to arrange a mortgage holiday for 6 months to allow you to get back to work.
You will need to cut your cloth in the mean time and that means being ruthless.

You can sort this out but both you and dh have to face it. Money matters should be managed by you both as a couple.

Try rest OP the pressure is off for tonight.

You need to get to the county court who made the possession order at 10am with evidence of funds/payment and make an emergency application to suspend the warrant. Without that the bailiffs will evict you.

Good luck tomorrow

That's interesting, Freshmint. Is that regardless of what else happens? And does the OP have to do it herself?

Sorry - freshmint. (My autocorrect clearly has plans for world domination.)

I know it feels shit at the moment but once you get the ball rolling tomorrow morning you will feel more in control of your situation and will be able to breathe better.

Well done to your parents for coming to your aid so promptly and efficiently. They sound very caring and supportive.

Good luck OP, you can do it!

Kitty I think to doubtful op could get a mortgage holiday atm , having accrued arrears. The previous close call may well have accelerated their action now. She needs to find a way to meet the commitment going forwards and get back into a positive credit place.

Maybe LIZ but its worth asking.

I don't know how on earth this happened so hopefully another poster might be able to help and explain how but my next door neighbour got evicted whilst on holiday.
Locks changed the works.
All her stuff was boxed up. We went on holiday a week later and she was back in the property upon our return breezily stating that there had been an 'oversight'
Anyway OP I'm rooting for you. I had a 30.00 parking fine once.. it cost me 425 in the end and only when the bailiff came at 6am an hour ahead of a tow truck did I pay it.
I was in very poor mental health at the time.
You are not alone

OP well done you - and you've had some wonderful advice from mumsnetters. When you're ready, do join this thread and just spill your guts out to lovely TIP and BADDERS

Drowning in debt and cannot talk to people in Real Life? A problem shared is a problem brought into perspective - come and join the lens.
http://www.mumsnet.com/Talk/legalmoneyy_matters/2465435-Drowning-in-debt-and-cannot-talk-to-people-in-Real-Life-A-problem-shared-is-a-problem-brought-into-perspective-come-and-join-the-lens

fresh thank you for that advice. I will be ringing the mortgage people at 8am on the dot so will check that with them. They have led me to believe funds in bank and proof I have paid it will be sufficient to stop eviction.

I also have the bailiff's details here so I shall ring them too. Worst case scenario it's a slightly longer trip to another town to prove payment can be made.