Topic created on 27th Aug. 2019 | Page: 6 of 7 | Answers: 61 | Views: 23,088
M****x
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I can no longer, life at the end
20th Nov. 2019, at 12:02 pm CET#51
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Kleinkariert wrote on 11/16/2019 at 23:29: And Debt counselor is still out of the question? He will be able to negotiate more and after the first / second conversation he will take a lot of work off your hands.
30.000 € seem feasible. Depending on the situation within 3-5 years. The hardest time is the beginning, the Schufa score is adjusted every year.
Picked up a report the other day. My score in 2018 was 97.4 and although I now have more money it has dropped to 96.5. What was decisive for this I do not know
I have already been to a debt counseling (free of charge). But they were totally stupid and only told me about insolvency and how great insolvency would be. They weren't interested in the fact that I would lose my job. Well, that's a very good score! Mine is exactly: 75.01% so I think worse without negative entries it does not go, but I do not know exactly
By the way, there is something new: The Landesbank Berlin, has canceled my credit card yesterday why I do not know yet, because I have paid the last bill, or the rate was required. I think it is because I wrote that I am addicted to gambling. On Monday I received a very detailed answer from the credit card company, including court rulings, etc. So someone knows what they are talking about and I don't seem to be the first one who wants his money back. If there is interest I can post the answer here
I have also confessed everything to my parents and my parents have settled all debts except for the regular installment loan... probably got away well... Today I wrote the notices of my other 2 credit cards with credit limit and now have only one with monthly total debit that I can not overdraw. Dispo I have today of 10,000€ to 1,000€ runtergsetzt
I must say quite honestly, when I had the money of my parents on the account, the consideration came again to gamble but it was not particularly strong, the thought is fortunately also disappeared in the course of the day and I have quickly initiated everything to protect me from myself.
Installment loan is now still at about 17,000 € and the 13,000 € from my parents I will pay back after settling the installment loan
Game-free now exactly 1 month, although not yet long but I am the first time since very very seeeeeehr long time again proud of me, also because I have blocked all sources of money for me
Credit I got by the way nowhere more, was rejected everywhere (Check24, Smava, house bank etc) and yoa my parents have saved my ass, otherwise I would probably have been pushed into insolvency, especially now with the cancellation of the credit card!
I really hope that I have finally learned what I have screwed up so far in my life.
What currently still often shapes me, is the thought of where I would stand without gambling in my younger years... Have times extrapolated what I have gambled away including wins in my life and have come to an estimated 150,000 € in 8 years (alone 50,000 € inheritance of my grandmother completely gambled away)! I find that really scary and I realize only now. Without gambling I would now stand financially and psychologically possibly also jobtechnisch completely elsewhere... Well what if I continue to pursue my goal I will stand with 29 years again at 0 and can still (hopefully 40-50 years) live happily and build something.
Peace to you
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Anonym
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I can no longer, life at the end
20th Nov. 2019, at 12:21 pm CET#52
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Lucky I would think. Good luck furthermore!
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Anonym
Former Member
I can no longer, life at the end
20th Nov. 2019, at 12:28 pm CET#53
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M11ax wrote on 11/20/2019 12:02 PM
Debt counseling I was already (at a free). But they were totally stupid and always came to me only with insolvency and how great the insolvency would be. That I would lose my job, has not interested. Well, that's a very good score! Mine is exactly: 75.01% so I think worse without negative entries it does not go, but I do not know exactly
By the way, there is something new: The Landesbank Berlin, has canceled my credit card yesterday why I do not know yet, because I have paid the last bill, or the rate was required. I think it is because I wrote that I am addicted to gambling. On Monday I received a very detailed answer from the credit card company, including court rulings, etc. So someone knows what they are talking about and I don't seem to be the first one who wants his money back. If there is interest I can post the answer here
I have also confessed everything to my parents and my parents have settled all debts except for the regular installment loan... probably got away well... Today I wrote the notices of my other 2 credit cards with credit limit and now have only one with monthly total debit that I can not overdraw. Dispo I have today of 10,000€ to 1,000€ runtergsetzt
I must say quite honestly, when I had the money of my parents on the account, the consideration came again to gamble but it was not particularly strong, the thought is fortunately also disappeared in the course of the day and I have quickly initiated everything to protect me from myself.
Installment loan is now still at about 17,000 € and the 13,000 € from my parents I will pay back after settling the installment loan
Game-free now exactly 1 month, although not yet long but I am the first time since very very seeeeeehr long time again proud of me, also because I have blocked all sources of money for me
Credit I got by the way nowhere more, was rejected everywhere (Check24, Smava, house bank etc) and yoa my parents have saved my ass, otherwise I would probably have been pushed into insolvency, especially now with the cancellation of the credit card!
I really hope that I have finally learned what I have screwed up so far in my life.
What currently still often shapes me, is the thought of where I would stand without gambling in my younger years... Have times extrapolated what I have gambled away including wins in my life and have come to an estimated 150,000 € in 8 years (alone 50,000 € inheritance of my grandmother completely gambled away)! I find that really scary and I realize only now. Without gambling I would now stand financially and psychologically possibly also jobtechnisch completely elsewhere... Well what if I continue to pursue my goal I will stand with 29 years again at 0 and can still (hopefully 40-50 years) live happily and build something.
Peace to you
Glad to hear it
You should have a plan though, just in case. At some point the thoughts come back and then it is important to have an emergency plan.
Zockertyp89 wrote on 11/20/2019 at 12:28 PM
Glad to hear it
You should have a plan in place just in case though. Eventually the thoughts will come back and then it's important to have a contingency plan.
It's nice that you have everything in order now. But please do not forget that Gambling addiction is not a short-term character weakness but a serious mental illness. It doesn't help if you don't gamble for a few weeks, so do something long-term against it. I think that in your case a self-help group that you really visit regularly would be almost the best.
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M****x
Topic Creator
Forum posts:26Member has been banned
I can no longer, life at the end
20th Nov. 2019, at 01:26 pm CET#55
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Thanks first!
Yes I know that I am far from over the hill and must continue to work hard on me
I am currently in the same situation. I am now facing the step of revealing myself to my parents or my partner. So far, no one knows about my gambling problem...
How did you go about it?
I feel sick just thinking about how they might react
But I simply have no other choice now
well, is it good for your life if mom and dad save your ass?
i wish it for you, of course, but i doubt it very much.
to treat yourself, eating dirt would be the better remedy.
somewhere in your mind, the thought has solidified that when you're on the brink, my parents will catch me. deep in your subconscious, it's there. because the rescue was an awesome life event. that stays in your memory. you're now befuddled by good intentions, but u nterschätzen die spielsucht nicht.
well. but maybe you are strong enough to make it. time will tell. wish you all the best.
Debt counseling I was already (at a free). But they were totally stupid and always came to me only with insolvency and how great the insolvency would be. That I would lose my job, has not interested. Well, that's a very good score! Mine is exactly: 75.01% so I think worse without negative entries it does not go, but I do not know exactly
By the way, there is something new: The Landesbank Berlin, has canceled my credit card yesterday why I do not know yet, because I have paid the last bill, or the rate was required. I think it is because I wrote that I am addicted to gambling. On Monday I received a very detailed answer from the credit card company, including court rulings, etc. So someone knows what they are talking about and I don't seem to be the first one who wants his money back. If there is interest I can post the answer here
I have also confessed everything to my parents and my parents have settled all debts except for the regular installment loan... probably got away well... Today I wrote the notices of my other 2 credit cards with credit limit and now have only one with monthly total debit that I can not overdraw. Dispo I have today of 10,000€ to 1,000€ runtergsetzt
I must say quite honestly, when I had the money of my parents on the account, the consideration came again to gamble but it was not particularly strong, the thought is fortunately also disappeared in the course of the day and I have quickly initiated everything to protect me from myself.
Installment loan is now still at about 17,000 € and the 13,000 € from my parents I will pay back after settling the installment loan
Game-free now exactly 1 month, although not yet long but I am the first time since very very seeeeeehr long time again proud of me, also because I have blocked all sources of money for me
Credit I got by the way nowhere more, was rejected everywhere (Check24, Smava, house bank etc) and yoa my parents have saved my ass, otherwise I would probably have been pushed into insolvency, especially now with the cancellation of the credit card!
I really hope that I have finally learned what I have screwed up so far in my life.
What currently still often shapes me, is the thought of where I would stand without gambling in my younger years... Have times extrapolated what I have gambled away including wins in my life and have come to an estimated 150,000 € in 8 years (alone 50,000 € inheritance of my grandmother completely gambled away)! I find that really scary and I realize only now. Without gambling I would now stand financially and psychologically possibly also jobtechnisch completely elsewhere... Well what if I continue to pursue my goal I will stand with 29 years again at 0 and can still (hopefully 40-50 years) live happily and build something.
Peace to you
Since one can be glad, if one is supported. Will certainly hear the one or other stupid saying, but something can breathe a sigh of relief. As soon as money is on the account you want to play, most often play when the pay comes in or a few days later. One has then shortly before Deposit a short decision moment and if one cancels the deposit process then one has already no loss for the day.
And you could win, but the Risk is extremely high if you are already high in the minus. Most of the time you don't even think you could lose and then it happens and catches you off guard. Think about the 150,000 € if you want to play again, the important thing is that you get out of it and you are still young and fresh. You can do it and that's where you grow as a person and psychologically, you learn to adapt and deal with difficult situations.
I can no longer, life at the end
Nobody has liked this post so far
I have already been to a debt counseling (free of charge). But they were totally stupid and only told me about insolvency and how great insolvency would be. They weren't interested in the fact that I would lose my job. Well, that's a very good score! Mine is exactly: 75.01% so I think worse without negative entries it does not go, but I do not know exactly
By the way, there is something new: The Landesbank Berlin, has canceled my credit card yesterday why I do not know yet, because I have paid the last bill, or the rate was required. I think it is because I wrote that I am addicted to gambling. On Monday I received a very detailed answer from the credit card company, including court rulings, etc. So someone knows what they are talking about and I don't seem to be the first one who wants his money back. If there is interest I can post the answer here
I have also confessed everything to my parents and my parents have settled all debts except for the regular installment loan... probably got away well... Today I wrote the notices of my other 2 credit cards with credit limit and now have only one with monthly total debit that I can not overdraw. Dispo I have today of 10,000€ to 1,000€ runtergsetzt
I must say quite honestly, when I had the money of my parents on the account, the consideration came again to gamble but it was not particularly strong, the thought is fortunately also disappeared in the course of the day and I have quickly initiated everything to protect me from myself.
Installment loan is now still at about 17,000 € and the 13,000 € from my parents I will pay back after settling the installment loan
Game-free now exactly 1 month, although not yet long but I am the first time since very very seeeeeehr long time again proud of me, also because I have blocked all sources of money for me
Credit I got by the way nowhere more, was rejected everywhere (Check24, Smava, house bank etc) and yoa my parents have saved my ass, otherwise I would probably have been pushed into insolvency, especially now with the cancellation of the credit card!
I really hope that I have finally learned what I have screwed up so far in my life.
What currently still often shapes me, is the thought of where I would stand without gambling in my younger years... Have times extrapolated what I have gambled away including wins in my life and have come to an estimated 150,000 € in 8 years (alone 50,000 € inheritance of my grandmother completely gambled away)! I find that really scary and I realize only now. Without gambling I would now stand financially and psychologically possibly also jobtechnisch completely elsewhere... Well what if I continue to pursue my goal I will stand with 29 years again at 0 and can still (hopefully 40-50 years) live happily and build something.
Peace to you
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I can no longer, life at the end
Nobody has liked this post so far
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
Glad to hear it
You should have a plan though, just in case. At some point the thoughts come back and then it is important to have an emergency plan.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
It's nice that you have everything in order now. But please do not forget that Gambling addiction is not a short-term character weakness but a serious mental illness. It doesn't help if you don't gamble for a few weeks, so do something long-term against it. I think that in your case a self-help group that you really visit regularly would be almost the best.
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I can no longer, life at the end
Nobody has liked this post so far
Yes I know that I am far from over the hill and must continue to work hard on me
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
I am currently in the same situation. I am now facing the step of revealing myself to my parents or my partner. So far, no one knows about my gambling problem...
How did you go about it?
I feel sick just thinking about how they might react
But I simply have no other choice now
Greetings
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I can no longer, life at the end
Nobody has liked this post so far
Stay strong and don't gamble anymore.
I wish you a lot of strength.
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I can no longer, life at the end
Nobody has liked this post so far
i wish it for you, of course, but i doubt it very much.
to treat yourself, eating dirt would be the better remedy.
somewhere in your mind, the thought has solidified that when you're on the brink, my parents will catch me. deep in your subconscious, it's there. because the rescue was an awesome life event. that stays in your memory. you're now befuddled by good intentions, but u nterschätzen die spielsucht nicht.
well. but maybe you are strong enough to make it. time will tell. wish you all the best.
Edit: font color adjusted, because bad readable.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
Since one can be glad, if one is supported. Will certainly hear the one or other stupid saying, but something can breathe a sigh of relief. As soon as money is on the account you want to play, most often play when the pay comes in or a few days later. One has then shortly before Deposit a short decision moment and if one cancels the deposit process then one has already no loss for the day.
And you could win, but the Risk is extremely high if you are already high in the minus. Most of the time you don't even think you could lose and then it happens and catches you off guard. Think about the 150,000 € if you want to play again, the important thing is that you get out of it and you are still young and fresh. You can do it and that's where you grow as a person and psychologically, you learn to adapt and deal with difficult situations.
Wish you all the best.
This post has been translated automatically
I can no longer, life at the end
Nobody has liked this post so far
This post has been translated automatically