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I am reaching out with a humble request for support or guidance in overcoming a severe financial crisis affecting my family’s health, education, and basic living.
I earn a monthly salary of ?50,000. Over the past two years, I have taken multiple personal loans totaling ?18 lakhs, apart from a housing loan of ?20 lakhs. These loans were primarily taken to cover urgent medical and family needs.
My elder son has been diagnosed with Type 1 Diabetes, which requires lifelong insulin therapy and monthly medical expenses of ?12,000. I also have a younger child, and both children are currently enrolled in school, adding to the financial burden through admission and educational expenses.
My total EMI burden has reached ?90,000 per month, including:
?32,000 for the home loan
?58,000 for various personal loans, including credit cards and app-based borrowings
Despite my sincere efforts, my current salary is not sufficient to cover the EMIs and essential expenses like groceries, education fees, and utility bills. Thankfully, my mother supports me with ?35,000 and my wife contributes ?15,000, bringing our total household income to ?1,00,000 per month. Yet, it remains extremely difficult to manage everything, especially with high fixed obligations.
I have approached banks for loan restructuring or top-up loans, but due to my high existing liabilities, they have declined. I am committed to repaying all my debts but am in desperate need of financial counselling, support for medical treatment, or guidance for debt restructuring.
If any NGO, financial institution, or kind-hearted individuals can guide or support us, it would make a world of difference to our lives.
Thank you for taking the time to read my appeal. Any help or direction would be deeply appreciated. Loan
i am starting the fund raising for myself and my familey on a debt free life. i have managing my family and paying loan since 2018 after a lockdown its difficult for me paying loan and i trap a loan day by day after 2020
last 6 to 8 monthi i could not pay emi nad local debt for realtive friend etc ...
i could't manage my funds as most of them go for paying interst of debt acquierd . i am not in a postion where i can seek help anywhere and i hence i seek help from all of you and your each and every contribution will play a very important role.
i have got to a situation where i get call every hour and visit my house harashment all time. am caught a financial loo[ where i could not come out it unless external help.
now days i realy a bad sitioun i could't admit my4 years son in school. my mother and dad health are seek day by day in high sugar and BP but i cant buy medicine . my 32years brother face heart faliour 1years ago . but now day i cant take them a doctor or hospital.
i realy npt prefer to help but i have no choise. you pepole are angel for me for contribute small help for me and save my family .
i decide to sucide but i can't i live a life for my son and my family pleace you guys are last hope for me.
I HAVE CONFIDENT THAT I CAN PULL IT OFF BUT RIGHT NOW I REQUIRE ALL OF YOUR HELP FOR ME TO COME OUT THE CRISIS SO THAT CAN MAKE EVERYONE PROUD THANK YOU Loan
Sucheta Dalal Trustee - Moneylife Foundation
Abhay Datar Abhay Datar is a consumer activist. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of Mumbai Grahak Panchayat (MGP) in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related with mobile banking frauds and mediclaim. He was a Member of the Managing Committee of MGP till March 2021.
Shirish Shanbhag Shirish Shanbhag has an MSc in Organic Chemistry, Diploma in Higher Education, a Diploma in a French and has completed his LL.B. in first class, in 2021. Before his retirement, he was a junior college teacher at Patkar College from July 1980 to May 2012, where he taught theoretical and practical chemistry. Post retirement in 2012, he started providing guidance and counseling to people on several issues, with a specific focus on co-operative housing society related matters. Adv Shanbhag has a kee
Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank
R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues