omg

[dontknowwheretoturn]

i owe money to a family member and they want it back by the end of next week. my dh does not know about it and i dont have it (nor does he) my credit rating is not great and i am self employed without proper accountant accounts. i desp need a loan but my dh must never know. i am in sooo much trouble i have not slept for days and feel constantly sick. please help me someone.............i know i have done wrong and i need to sort this asap

Oh pet, you have to tell someone about this and get some proper help otherwise it's only going to get worse. What would DH do if he knew? I really feel for you.

Can you go to CAB for some proper advice?

dh would be finished, things hanging by threads anyway. family member needs the cash have nobody to talk to, i need to get a loan but dont know where to start and even whether i would get one

Is it a lot of money? Could CAB advise you?

How much do you owe the family member ?

You have no choice but to tell them you haven't got the money

You'll probably find they've already guessed

good luck

4k, and they would never have guessed, they are in need of it and it would finish them. really. i have just been sick this is killing me. i am so scared,

what a terrible situation

you will have to come clean to everyone - there will be a type of relief from that and then you can move forward

you won't be able to raise £4k by next week but is there any chance of getting some payment plan worked out

agree you need to get to CAB

i am trying to get a loan and will do anything to avoid telling anyone

Why do you feel you have to avoid telling anyone? You say it would finish your family member AND it would finish your husband if either of them knew that you didn't have the money. Why? What's the background here?

my marrigae is bad anyway and i have put us in financial trouble over the years but we were getting there and only have one default each now and they would be gone end of year. but i just spend, i dont know where it goes and at the end of each month there is nothing so i was dipping into the other account i was supposed to be looking after it!! without this cash family member will lose everything

Sounds like you need proper financial help. The first thing you need to do is speak to national debtline or CCCS- free impartial charities.

You need to address your spending issues and the root of it.

TBH If you arent prepared to tell your husband you are in trouble then your marriage is already over.

How much other debt do you have? What is your partners earning capacity- can he help? Why havent you got proper audited accounts?

You definitely need to get help managing your finances, otherwise how on earth are you going to pay back the loan if you are spending more than your income already? It's just going to spiral worse and worse, isn't it?

It sounds from your phrasing that you weren't lent the money as such, but were supposed to be holding it for them. I think you need to get help, and fast.