I dont even know where to start. But here goes..
3 years ago we had our own small business, we had loans and ccs. I was ALWAYS on top of what we owed (personally), how it was paid, when it was due etc. After a dispute with this woman at work I told dh to get on with it himself (ther she goes or I do). From then on things went very downhill.
I was always promised money for this and that but things got really out of control and eventually our company folded.
We have HUGE personal debts, many in my name only.
My DH set up again with a successful friend of ours. We were given barely enough to cover the mortgage, let alone everything else. Suffice to say we are very behind with a very dubious mortgage company in an interest only mortgage that is up to the hilt. Our redemption period ends in June, but with our record I cant see how we are going to get another mortgage. Added to the fact that we are almost in negative equity....
We were swimming along, when all of a sudden dhs partner says that the business cannot sustain our salary and for the good of the company we have to take a paycut, which effectively means we pay the mortgage and NOTHING ELSE. The partner has another business that manages to pay him £15k a MONTH, as it is very successful.
Our income is nothing like our expenditure, but tbh I dont know what to do next.
Our mortgage is set at a ridiculous rate (Im too to tell you how bad it is.
My DH just seems to be wandering around making one serious finacial mistake after another, with a do it later attitude.
Neither of us are sleeping and I have really severe PND and just want to, well I just cant stand feeling like this.
My DH is in such denial, and thinks that if he pays a bit of a bill he is a clever boy and should get a pat on the back. I cant make him listen to me, and I am exhausted trying.
3 years we have been going through this and I have had enough...
Please someone - tell me where to start.