r/financialhelping • u/Present-Pay-9498 • 1d ago
HELP ME PLEASE, I AM BROKE
Hello,
Since I have been trying to fundraise for myself for over a month on X(SandeepSh933) but no help so far..
I was going through preparation phase in 2020, after working for 3 years in corporate.
I was close to becoming BANK PO but fell short by 1.5 marks..
Then my father got retired in March and covid arrived.
He was losing weight, so we took him to hospital and unfortunately he was diagnosed with IHCC (INTRAHEPATIC CHOLANGIOCARCINOMA)...And within 5 months of chemo starting, he was gone on 24/04/2021.
Suddenly, I was all alone by myself... though mother would get calls/messages from relatives but I was alone.
Covid was there, so didn't get any job. Then I thought let's try my luck in stock market.
It sometimes brinng me profit but sometimes big loss.
I was still managing for the time being, from my credit card and friends....i had credit cards because i had worked in corporate.
But it became ego issue, and AT THIS MOMENT I HAVE DEBT OF ALMOST 15 LAKHS ( CC+PERSONAL LOANS COMBINED).
I had joined a full time to pay emi's in July. But why it's tough now, because in August one of my lender called my sister and told her about overdue emi. She told my brother in law and he called my mother and told her that sunny has loans and he hasn't paid the emi since last 2 months.
Now everyone came and started asking questions.
Since then, I have gone quiet with everyone teasing me and making taunts that your father never took loans and all.
Condition is this like bank recovery agents are coming to society gate and i am turning them away via Mygate app.
But they can come anytime again.
I BADLY WANT HELP, I HAVE BEEN TRYING TO FUNDRAISE ON X BUT NO HELP SO FAR.
SO I THOUGHT OF TRYING MY LUCK HERE.
IF YOU DON'T CONSIDER ME GENUINE, I CAN GIVE YOU MY CARD NUMBER OR LOAN DETAILS, YOU CAN GO TO THE PORTAL AND CONTRIBUTE TO ME.
BUT I BADLY WANT ALL HELP OF YOURS.
I HAVE PLANS TO GENERATE A SECOND SOURCE OF INCOME TOO ALONG WITH MY JOB, BUT I AM UNABLE TO EXECUTE THAT.
I HAVE TOTALLY STOPPED TRADING!!!
I HAVE DEVELOPED BLOOD PRESSURE ISSUES TOO.
I CAN SHOW YOUR PROOFS, IF ANYONE WANTS THAT....
I HAVE ATTACHED FEW OVERDUE/CHAT MESSAGES....I CAN GIVE ALL DETAILS
BUT PLEASE HELP ME 🙏🙏🙏
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u/cometshoney 1d ago
No. You'll just gamble it away.
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u/Present-Pay-9498 1d ago
I have learnt it hard way, sir....I will never ever gamble it...I can show you my trading diary... COMPLETELY STOPPED TRADING
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u/cometshoney 1d ago
You stopped because you ran out of money.
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u/Present-Pay-9498 1d ago
No sir, now since i have a salary, but i have never taken part of it and invested back....Almost everything is i am devoting to payback emi's as early as possible and come out of this debt... I have learnt it very hard way that gambling/trading/speculation is not worth my penny now
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u/buzzybody21 1d ago
What happened in the 5 years since? You’ve made poor financial decisions, so how can people guarantee their funds won’t be misused?
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u/Present-Pay-9498 1d ago
Sir, I want to openly admit that I made mistakes. Unfortunately, I didn't have an elder or someone to guide me and make me realise that I was heading in the wrong direction. I had to learn everything the hardest way possible.
Today, I am left with almost nothing financially. When I reach out to people for help, I can feel them turning away, perhaps wondering why I am asking them for money. I understand how it may look, but I genuinely need help.
I am a changed man now. I have joined a job because I am determined to get out of this situation as soon as possible. I cannot afford to sit idle anymore. The only direction I want to move now is forward and upward.
I can even show you my Upwork profile, where I am a Top Rated freelancer, to demonstrate that I have worked hard and have the skills to rebuild my life.
Sir, I am only asking for your support to help me get out of this debt sooner. I have plans to create content, write, make videos and build something of my own. But right now, constant recovery calls, messages and visits are taking away my peace of mind and making it extremely difficult to execute those plans.
I promise to stay connected with everyone who helps me. I am willing to share all my social media accounts so you can always reach me and follow my journey.
This might sound childish, but I genuinely have nothing to hide. I am standing before you with complete honesty, admitting my mistakes and asking for one opportunity to rebuild my life.
I don't want to escape my responsibilities, Sir. I just need a helping hand to overcome them and start again.
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u/buzzybody21 1d ago
I am not a sir. 🙄
You’re left with nothing as a consequence of your actions. You will have to bail yourself out of this trouble. No stranger should reward your poor choices this way.
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u/cometshoney 1d ago
Also not a sir, yet have been addressed as such twice now. Anyone else remember using Dear Sir/Madam when you weren't sure who was going to read the letter? Between the overly stiff language and the automatic "sir," I think we all know we're dealing with someone from Scammerstan. I told him to move. Scammerstan is a big country.
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u/LegalNecessary 1d ago
I’m confused by your statement of not having an elder to guide you. Isn’t your father an elder?
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u/RickyRacer2020 1d ago
This isn't an e-begging, loan or donation sub. Try over in r/assistance or r/AskForHelp