Bust: My Family's Debt (Poverty Documentary) | Real Stories
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- Опубликовано: 21 ноя 2017
- Bust is an intimate portrait of families struggling to cope with personal debts as the credit crunch unfolds.
Tracy and Melvyn bought their council house on a low interest mortgage, but with rates soaring they’re now in trouble.
Michael is struggling to afford the help he needs to cope with his lung and heart disease.
Maria is a social worker who took out a loan when she could easily afford the repayments. Now on maternity leave - her creditors are threatening to send in the bailiffs.
We follow these families over a year as they struggle to cope, and battle through the bureaucracy of bankruptcy and repossession.
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Melvin is worse than the kids. Absolute liability who stands around watching his wife get stressed to death and their world fall apart when he could easily get a job, even part time.
Horrible too many women are supposed to take all of the stress and she cant throw a fit
Indeed
Opposite shifts so both are with the child at different times.
"can you see why me and melvyn are on the edge and your behaviour doesn't help?".. Can you see why involving a child in adult problems causes behaviour issues? This poor kid has the weight of the world on his shoulders :(
It's awfully hard to hide problems from children his age as they are extremely smart and can pick up on things very easily. You HAVE to talk to them about things because soon he'll be an adult and have his own issues, and it would help him to know how to deal with things.
The coddled generation strikes again
I was there for years 4 years to be exact all thanks to my useless mother that brought all that trauma, poverty, and homelessness in my life.
My first husband was just like Melvin. He was useless, and left everything up to me to solve and fix. Cannot begin to describe the turmoil in my life at that time.
Maria E. Labbe my ex-husband had a decent job and I always worked too. He never missed work but gambled on everything. It was like having another child. I blame myself for staying so long. Yet the peace I feel now is wonderful.
Mine too!
You picked him.
@@godschild5189 - So you guys got through it? Good for you!
@@dommidavros2211 We are divorced and living separately after 38 years. He was angry when I finally left but we actually get along now and co-parent our grandson that I adopted. I even spent July 4th with his family at his home.
That lady's husband is a real piece of work. You're supposed to support your wife and you're supposed to step up and be a man... not temper tantrum and leave the room!
I hope after this, she filed for a divorce. And is free of that burden too.
that man needs to go.
He’s an absolute wet lettuce.
Funny at the beginning of the documentary she's sitting with him and says "at least it's two against the world. I don't know what it would be like to be in my own in this situation". She would be better off on her own then with that useless guy.
She picked him.
I love Maria's "can do" attitude despite her troubles. I really hope she and her girls are in a better place .
She will deffo be in a better place 14 years on. I don’t know about the other family though…
Maria just get rid of the car it's a luxury
@@siocas She literally said “the car has got to go”. Not sure why you are acting like she is keeping it?
@@terrimansfield6212childcare is so expensive many families simply decide to be one parent stay at home . Children go to school at age 4 which will be free of charge. Until then one salary easily go on childcare. The families I know both parents worked full time those of have extended family network. Grandparents, aunts and uncles, godparents they all looked after the children for one day a week to help cover the workdays. Not everyone has this kind of help.
"Bankruptcy fees though??! What a good example of an oxymoron 😅
The way Melvin looks at his wife in distress and does nothing.... an absolute disgrace of a man.
She found out the hard way what happens when you marry a idiot.
@Siebenstern She did alot!. She was the one doing all the negotiating and filing appeals. He sat there and threw tantrums_ pathetic...
@Sir Charles Walliburton True. a 👩 can do bad all by herself...
The misandry and sexism from entitled and privileged women here is disgusting
He is completely emotionally removed from the situation. He has heard it all before & is waiting until somebody else solves the problem & he can carry on with his life
I feel so badly for Michael it's really hard when you're struggling with health problems on top of financial problems Michael is in my prayers
38:55 - "You don't want to end up like me, do you?" - How heart-breaking is it to hear a mother say that to her child. I do wonder how they ended up in so much debt.
ruclips.net/video/iKoBujiJyfc/видео.html
Apparently, Melvyn gave up his job to look after Jack full time and obviously didn't apply for benefits. But Tracy being on statutory sick pay doesn't help as it didn't pay much. Those sorts of financial benefits don't really cover up the mortgage, but I'm no expert as I was an 8-year-old when this documentary aired
Michael actually broke my heart worked hard all his life and just left like that by the government.
Aisling right
the government didn't let him down.
@Mindset And what can they do?
@Mindset No, really. it may seem simple to me or you, but we don't know what other things they have to deal with. if it was that easy they would have fixed it by now.
Sugercane 72.......an easy fix would be to stop paying them a daily allowance just to turn up at parliament - some claim as much as £300 per day/visit.....they can sign in-stay for 10 mins and bugger off and still claim........cut their daily food allowance and extravagant transport payments........they can afford to have a cut in their incomes.......unlike disabled (genuine PIP claimants) who got no choice.
if you can not see something is wrong then you have also not been watching the spectacle called brexit.
Melvin has no interest in helping his wife try and solve their problems. He acts like itll go away if he does nothing, poor wife. The people should be more aware of the high interest rates when buying a car or refinancing their homes. Take time and add up the figures before you sign on the line. A car only depreciated in value. 39% interest on a car note is crazy.
melvin just seems lazy....hes failed to provide for his family, thats the crux of the situation, hes a failure
YourFuneral Director They said the mortgage is twice what rent would cost - sell house and rent. Sell car and buy the least car which works even if it doesn’t look cool. Pay off credit card and loans first as the interest is a killer. Live within your means.
A lost HS education is a tragedy!
When problems seem that overwhelming, some people just give up and basically decide to let whatever happens happen. It's not a healthy or productive way to deal with the situation, but it happens more than people realize.
The problem is that assumes they can readily sell those assets for what they owe on them. That's not the case for many people in this kind of debt, so ironically selling the assets they can't afford actually would put them in a worse position.
My Loser Father walked out on my Mom when I was 9 and left her with 3 small kids, he didn't let her work for 10 years. I watched her struggle to keep her head afloat, we were dirt poor, and ate beans for dinner sometimes, but her love for her kids kept her going. We never got school supplies, or nice things, we had worn out shoes and lived in roach infested trailers. But we survived, thank you Mom for doing the best you could even may times when you were scared to death CPS would take us.
Was that 10 years after he left?
My loser grandfather did the same. Left my grandma with the three small kids, hadn’t let her work for 12 years, had no money in the bank and refused to pay child support because he resented being ordered to pay a whopping $1 in spousal support.
Indeed❤
Melvin really treats his family digusting, yelling and screaming. I do understand it is a very difficult situation, but he should count his blessings with his very good wife.
39.9% interest for a car?! That should be criminal!!!! Wow!!!
Samantha Fitzgerel IKR!!! OMIGOD she should have RUN not walk away. Insane 😱😱!
Not including insurance which in the UK is probably insanity anyway. That was not a very smart decision though.
brit gov has a lot to answer for
A car isn't a need. It's a want.
If you are stupid enough to sign for it then you deserve it, some people think you can get a new or next to new car for nothing.
Its absolutely horrible that someone can suffer from health problems that they can't control and get zero help. They should be getting all the help they need, they didnt ask for poor health. It breaks my heart..
look at what people eat and smoke and drink. They aren't all non culpable.
That's exactly why so many Americans go bankrupt. Medical bills. I spent 3 hours in the emergency room for my genetic illness, I received a saline drip and pain medication. My bill came to just shy of $17,000. Luckily I have health insurance and only had to pay $175. I couldn't imagine what would have happened to my family if we had to pay the uninsured amount.
@@amandab8433 it's sad that only having to 175 is lucky for you i don't think that i've paid that much in total for all my medical problems.
@@billiedoll4560 Medical costs here in the United States is a total rip off. For my condition it'd be cheaper for me to go to Sweden, of all places, for surgery, hospital costs, round trip airfare, and 2 weeks at a nice hotel with my husband for recovery. Than it is to get surgery here, and one week hospital stay for recovery. It's absolutely INSANE here.
I know. Charging someone $250 for a tylenol...A TYLENOL! So many people NEED the assistance and are denied, yet perfectly healthy people that can work get help they don't need. Rediculous!
Feel so much for everyone on this documentary, it can happen to anyone of us, don't judge anyone, cause your life could change in an instant. We're going through a very stressful time right now too
It's very sad indeed. Be even worse now..😪
Exactly, and the point is to get out of hole you make as as fast as possible, not sit there and fester.
Get your mind right.
Own your mistake, fix your courses of action, and keep moving because time doesn't stop for anyone!
No one is perfect. We all have ups and down. The name of the game is how smart are you and what are you doing to make sure you have more ups than downs.
Learn from every mistake you make, get some grit and resilience and you will be fine.
Everyone has a story. Just make sure your story is the reason you keep moving not the excuse to sit there and waddle. 🫡
Not everyone would tie up unsecured credit to their home!
Amen ! 🙏
@Donnell Okafor She was in a relationship and it was planned, but the moment she became pregnant, he left for whatever reason, leaving her to cope on her own.
Do you notice the children who are struggling are the kindest and most respectful? Bless them.
Indeed
Maria deserves better. You can tell she is a good Mom. Her two girls are cuties too!
She and her children deserve much better. She's a good woman. I fear that she may hurt herself in trying to absorb all the drama alone. If I knew how, I would personally send assistance. We can't leave these people out there wallowing in poverty. They're all only a short distance from homelessness.
I feel sorry for her she is trying her best he dosnt care it might be best her to leave him
She could ask the baby daddy to make a contribution tho.
i found her linkedin. she’s still a social worker but looking at companies house she seems to be self employed!
That poor elderly man with health problems needs help more than any of them. My God can't they see how much he needs it?! Despicable smh
@@Refrack The US destroying their homelands to steal oil certainly didn't help...
@@Refrack blame government for that. The government destroyed their countries on purpose. It's all agendas.dont be hateful towards immigrants, all that does is show your ignorance and bigotry. The government hates us all equally. In the near future, when the government enacts their evil plan to depopulate the world and Marshall law takes effect, you will want to run to another country too. Then you will be the immigrant and on the other side of the hatred.
@@rrg69able "Marshall law?" Who's Marshall?
@@Refrack what a scapegoat, as if the government looked after these people before....
sad
Financial education is so important. Seriously, its like a game. If you don't know the rules, you'll lose.
And bankers win ALL the time.
Not everyone is wired for math and analytics, but that’s all that’s really rewarded.
@@caridadrevilla2439 yup, the government is wrapped around their fingers.
That husband is absolutely vile and I feel so sorry for her putting up with him
Did you see how battered the door was?
"I've had to disconnect my breathing machine. I can't afford to run it." Good lord....I don't know how much more of this I can handle.
Omg...I'm sorry for what you have to endure ...😢
Thats so sad how can they put price on peoples lives .. so they pretty much expect you to pay to stay alive.. priorities in the system are wrong. :(
dacypher22 this is beyond serious. Human beings are dying and suffering due to nothing other than Money.
This is the government people vote to keep in power.. the way they treat people in need is disgusting. All for the sake of money ..
Just push the button.
I feel bad for the lady with the useless husband.
😂😂😂🤣😂I got that same perception! What is wrong with him? He doesn't seem to get anything. He just whines, speaks funny, and throws tantrums.
@Codzeedee Middle East and Africa is waiting for you. Don't cry when you come back with no teeth.
@@nuckingfuts3204 you forgot america.
She is no better, she quit her job because she was depressed
He's bad
I’d get rid of that husband he’s like another child. She can do better on her own he’s adding to her stress.
He is acting like a small child she said how many jobs have you looked for and he said none because you keep asking me and then walked into his room emotional maturity of a six year old
Well that hit me right in the feels! Hated seeing the kids upset and crying! If I was the dad I would have been working two jobs like i've done in the past for my family to keep a roof over their heads!
My dad worked a full-time and a part-time job when I was growing up my mom babysit kids my three siblings and myself never had to worry about going without it's a shame what some of these families are going through
Can tell he's full of 💩, lazy, deadbeat melvin
Melvin looks ashamed of the mess their in, but 🎉 vanity runs across what little brain 🧠 he has turns to fking mush not a sensible thing comes out of his mouth
Not in 2008 with that bad recession you wouldn't, when this doc was made!.
@@GoldenGateNum9 Baloney - my mom opened a home daycare when we were struggling. A neighbor did ironing & laundry. There are ALWAYS ways to bring in extra money.🤷🏽♂
Feel so sorry for Maria, a social worker - a vital part of our society and she’s left like this. Good luck to her and her girls. She will raise two strong woman
I would never take out a loan to pay credit card bills. I would just pay them each month what I could afford.
She got herself into debt. Great example for "two strong wonen" she didn't seem to give a crap. Enjoy spending don't pay it off oh yeah go bankrupt. Easy way out.
@@liztrainer895 it is fine if you get rid of the credit cards . Hubby and I did that, but got rid of all our credit cards only kept one with a small limit amount. Paid off the loan and now we can breathe and actually enjoy our paycheques and grow our Savings more and invest more. Loans for credit cards are good but you have to literally get rid of the cards and cut back on some things. I feel so bad for that couple. Hope it worked out for them. 😔🙏🏽
@@liztrainer895 that is not how it works. First off all when the bank wants its money back, they want it "immediately" they won't wait month after month. Secondly, if you earn just enough to pay rent, water, electricity and food you won't have anything left to pay back your credit card debt. That's the exact reason why someone would have a dept in the first place. You would "never".. Yes you would if you have no other choice
No, she will likely raise two girls who repeat her mistakes: SINGLE MOTHERHOOD is the first step into poverty, for MOST women. She was deeply in debt when she had the second child; she compounded her misery and her insolvency. Get a grip. it is not 'strong' to make stupid decisions that ruin your life and the lives of your children.
Watching this reminds me of how thankful I am to be a saver rather than a spender. Every time I look at my old car I just feel so happy inside that I pay exactly 0 dollars a month on a car payment.
Vanessa Vestal I'm 22 years old and I got £20k in savings already.
Vanessa Vestal - Amen, me too.
My Sportage is 13 years old.
xUzi786
I take it you still live at home sponging off mummy and daddy
The people on this video are hard up families with responsibilities.
Apples and oranges....
@IBM Vrc I only use about £50 a year on gambling and I never have and never will use drugs in life and I bet all my bank balance on that.
Nothing feels better than being completely debt free, even if it means living in poverty.
Yes. Peace of mind is priceless!!
You never get the fanciest stuff having to save up for everything... But God does it feel good to know whatever you own is truly yours.
💯💯💯💯
I live like I am poor but I make about 2x the median salary in my town… I have zero mortgage or rent and am 100% debt free… people at work think I am “struggling” because I shop at the thrift store etc… they are the ones complaining that they can’t keep up with their rent etc yet they bragging about their iPhones etc… consumerism got all these debt slaves brainwashed.
@@HBMHD it’s not yours if ur making payments… just ask someone who gets their “nice car” repossessed.
Maybe if Melvin had put as much effort into finding work as he does in breaking doors things may have been different.
He did open ur eyes and see
It was the kids u dumbo
@@johndaniell887 john and gary sound like work shy bin dipping door breakers
I can see why the wife had become high strung and anxiety ridden - it’s because the husband had no sense of urgency basically a dead weight
Exactly! He's just like my ex husband
Even toward the end if she’s on leave from work he could have got up and went out to work smh then he complains about cleaning the table smh
shes literally carrying him. no idea why. why does he bring to her life other than a constant headache? shes better off getting out.
ruclips.net/video/iKoBujiJyfc/видео.html
The husband is at home all the time apparently taking care of the kids yet the yard is a complete mess! What does he do all day?
Whine and hide would be my guess.
@Paul RavenWolf Junior why, do you know something we don't???.
most men are bad housekeepers unless they are single dads or tought that way from birth. my ex did everything and held a job( some of the time) . he didn't like my ways so he took over .He still got dropped for being a loser
Watches tv all day and a pack of 6 (Guinness beer) by his side!
Focus Media I guess you haven't known anyone with depression!! We shouldn't judge 'this can happen to anyone.
Wait, I'm confused. That first couple didn't have money and decided to go shop with their credit cards and take out loans to cover their credit card bills...and now they're wondering why they're struggling? Am I understanding that right?
Yeah, apparently clearing off debt with debt solves the problem. Thier logics is absolutely shocking.
Yes, tbey said that they used credit cards to get food. It's not as if they bought useless crap.
They have plentynof money for cigarettes. She will end up like Michael, csnt breathe and no money. And never realize how it happened. Very sad. But preventable.
44k on the credit card. The situation must of gone on a long time, or they used the credit card for more than groceries.
I wish I was a multi millionaire I’d literally spend all my time helping family’s like these.
ruclips.net/video/iKoBujiJyfc/видео.html
And then there’s Elon Musk 🙄
It’s honestly my dream I know I’m late to this comment and video, I could only imagine how much help I could give with so much, it’s heartbreaking, especially in an apparent first world country
Yeah right, everyone says that...if I was rich I’d help the poor.....highly doubt you or anyone actually would.....easier said than done
Would love to see a new documentary on where they are now :)
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I feel for the wife she seems to be carrying the burden on her own they should have chopped up the credit cards and her useless husband should have gone back to work the kid seems well enough now.Their predicament could have been avoided
I can't really speak on this situation, I hope the man find a job to help his wife and kids, he needs to grow up
That's what I thought. The lad seems fine now and doesn't seem to require the 24 hour "intensive" care he did. He's riding a bike, so he is definitely improving. So why are they both still at home? I don't understand why they seem to be doing nothing but accepting the imminent loss of everything.
He was riding a bike , when he just said he couldn't walk up stairs
I didn't think much of either one of them. She took time off from work with partial pay and smoked cigarettes when money was short. Both equally irresponsible.
He’s tried to go back to work and she’s making excuses for him not to go.
I've always felt lucky my husband (( deceased now))
would help me in everything. He did most of the cooking, even done the dishes.
In 1989 we had a baby, he took care of him like a mother would. He fixed the bottles, fixed the diaper bag for the sitter/ daycare the night before. The weekends I worked he kept the baby, took him with him if he needed to do something.
Only thing he DIDN'T do was bathe him.
Hubby was 43 & I was 38 when our son was born.
My husband died 3 yrs ago at 70 yrs old.
You were so blessed to have such a wonderful husband. My now ex husband only changed one diaper. I only went out once by myself after the baby. When i fell ill with cancer he didn't even know what type of cancer I had. Once I divorced him I had to ask if he would watch the children he said no. That was it for me I moved home since I had no family where we lived. That was the only thing i promised him I wouldn't do but I didn't care at that point he only wanted to see them when it fit in his life. Still over 30 years later I have never had mouthed him to his children. They think he hung the moon and stars such is life. I chose him guess you have to be careful who you chose as a partner I was too young to marry or even have children live and learn.
Awww bless. Your husband sounded like a real gem. Sad to hear he's no longer with us.
I’m so sorry. I know you commented a while ago but I really hope you are doing okay. You are so fortunate to have had him BUT he’s also lucky to have had you too❤️
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I find it weird that women feel ‘lucky’ when men do the same work women have done forever. You never see men saying “I’m so lucky my wife helped me with looking after the kids and cleaning the house”. They are his kids too ffs!
Michael should have never been let to get in that situation. He is such a sweet man, and he worked hard all his life. He never asked to become so ill, and he needs more help that he gets currently.
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That husband is a waste of space..he didnt need to give up his job!!
Any excuse.
True
Thats what i was thinking!! WTH! How us she sup'd to carry every damn thing!! He just sat there looking stupid and useless...
He wanted back on the bins give him a break
Sorry.
That Melvin is so whiney, rude, weak, and dense. He ask like a little child. He should be their strength. His wife is smart though. Thank God she is making all the decisions. She seems way more intelligent and level headed. For what they are going through the little boys seem stronger than the dad. God bless them all.❤️
Debbie Lee please remember not everyone is strong and not everyone can deal with difficult situations everyone is different.
He is a man and yes he should be the strong one , but sometimes it is not that way ,the world is made up of all kinds .
Remember how many of our young men in ww1 were executed for cowardice, they had a right to be scared and frightened but endeared up being murdered just for being scared.
@@laverdajota8089 I agree with Debbie. Melvin is pathetic! The mother was the only parent worth a damn...
He reminds me of my ex husband. We went through this process or I should say I went through the process. Every letter we got he would rush to the toilet 🚽🙄 all I wanted him to do was say we will be ok. But he just wasn’t able to do that about anything in our lives together.
@@laverdajota8089 шг
yup the whole family seemed to be suffering because of the massive man child - their dad.
I still don't really understand why Melvin isn't working? He is literally sitting watching the rug pulled from under his wife and children's feet and seems okay with it?
When they were sitting on the bench and she said at least we have each other yeah I don’t think so you were in it by yourself honey
Melvyn is holding his family back. His poor wife is doing everything. I felt for her when they were outside the cort and he was being no help & the kids were asking for sausage rolls, her head must have been a mess. I wonder where they are now.
Noticed the common denominator for the family break down.... the Husband and fathers. 😔
@@sg5720 That’s a bit of a sexist comment.
By law absent fathers have to pay child maintenance. It does beg the question why some women chose to have children with men they know won’t be suitable fathers or before marriage.
She picked him.
@@Laoriginal718 People change
@@SRPC21 no, men pick women who they know will pick up the slack when they run off. You're the sexist one.
Also, don't you know it takes two to make a pregnancy and that not all pregnancies are deliberate? Really??
The older couple who are losing their home seem to have the wrong idea about getting out of poverty.... I understand she is stressed but why stop working to receive a fraction of your pay? I understand having a sick child but logically you would think they would work opposite shifts to care for their son so they both can work.
It's not always possible
A sick child is alot of work.
I know a girl who won't work and says it's because of the kids but I've always thought one work days one work nights. I mean either sacrifice or do without! Some ppl need those excuses not to work tho.. Imo they just don't want to work and can use their kids as the reason..
Yes, I don't get her logic at all. Also, if selling the property is the only way out, then it is always better for the owner to manage the sale, not to hand this over to the mortgager. They are theoretically obliged to get the best price, but in practice, this does not happen.
22 12 I feel bad for their boys, especially the older boy.... my husband and I handle our issues in our room where our son can’t hear us. They are to young to have that worry and the example from their parents that fighting each other and being angry with each other when things get rough is awful.
Maria seems like a lovely and intelligent lady....why are her ex boyfriends not paying child support????
right. I was about to ask the same question. She seems to be a great mom by protecting a daughter from all the stress good for her
What do you mean, why don't they pay child support???
Because they don't, can't make them pay.. My ex found a job getting paid under the table, so didn't file tax return and looked as if he didn't have a job.. Then they lie about there address, all the mall and police trying to serve him court papers goes to his grandmas house he no longer lives there. I show up to 6. Court cases, he no showed. ALL this time, and appointments I've spent money on and lost money from no working.. Soooooooooo NO CHILD SUPPORT, PLUS MISSED WORK GOING TO COURT DATES AND ATTORNEYS MEETINGS..ALL FOR 25-50$ A WEEK K MAYBE when they do find him???!!??!! Then if he doesn't pay, eventually he'll go to jail... Then that's my fault??? Nahhh I'm good
@@emfisher8168
In Virginia the state will give it to mom and make dad pay it back whether hes working or not.
Men that don't support their children are idiots and cowards they think having kids makes them feel a real men 😂😂idiots
Then void their identification card and health care until they come to Court and explain themselves and contact employers to see if they are being paid sending investigators adding those costs to the child care debt. There problem solved if they use their ID for anything you find them.
Michael makes me heart bleed. He needs help genuinely. He is one of the people I feel awful for. He is the same as my nan, she worked her entire life and didn't even get to enjoy her retirement because she got dementia and all the council wants is money from her like Michael. So sad.
It makes me also angry how some men walk away to let the mother of their children or child struggle. Just like mine did. I had a child support order and I didn't see but 2 or 3 checks.
I'm a man and it angers me too. I wish there was some way God could make his penis inoperable until he takes care of his family financial obligations.
It's shameful.
It’s the law that he pays child maintenance, you should take him to a small claims court.
The guy who needs care is sticking his ground. Fair play to him mate
How crazy is it that they are telling someone they have to pay over 400 pds and fees in order to declare bankruptcy! If he had that like money, lying around in first place, he might not have as many problems!
I’d really like to see a follow up on these people.
So true I would like to see how they are today
Me to
People that dont work get food stamps and they have all the food they want and any thing else that comes along
Wayne Allen maybe in America, but this is in the United Kingdom and no such stamps exist.
Why that got lots of holes in the doors
Maria and her mother are such beautiful people. Throughout the most difficult time of their lives they still have a positive attitude and maintain loving and respectful relationships with each other. I hope things are better for you all now!
Same here, I truly hope life is better for them now x
I absolutely love Maria’s attitude through all this - amazing lady and mum.
The guy with the ear ring is so insensitive with his wife! One would think there's only an anger vapour between his 2 ears!
ruclips.net/video/iKoBujiJyfc/видео.html
credit is absolutely the worst thing to rely on....if its a matter of survival thats one thing but the vast majority of credit purchases are for non essential items, Live within your means and educate yourself...its the only way out of poverty.
Tracy is in a seriously emotionally abusive marriage and I don't think she has any clue
Michael worked in the Dorchester and the Savoy? Those hotels have rooms that start at a grand for ONE night. I hope someone from the companies who owns either of those hotels sees this documentary and does something for him. His story made me cry, it’s even worse that he worked for such prestigious hotels and in his time of need he’s just left there to struggle. Infuriating. It’s just so wrong.
Tracy has 4 kids to look after.. Melvyn is no support at all..
@beverly ledbetter I am Tracy's daughter. This video is from 12 years ago. If you must know, my parents could afford to have children at the time they choose to have us. My mum unfortunately took ill amd 12 years on is still ill. You should think before you you viscous cow.
@@gracefox6502 bless you, how has life been since the documentary, best wishes for your mother, she deserves the world
@@gracefox6502 who on earth can afford four children? Do you know how expensive a child is? What's wrong with stopping at 2? Isn't the family big enough? Have a big family, be prepared to stay poor. Its like basic maths but that would require the ability to calculate. Before you reply, I'm from a large family and I know just how bad it is.
@@gracefox6502 hope your mum is ok .. this was a brilliant documentary and always wonder about how all the people involved are getting on now.. best wishes to you all.
@@gracefox6502 Don't even worry about these pathetic, bitter losers taking to RUclips to vent and relieve themselves of their own failures. It suggests nothing about your family. Bless your family.
Melvyn is as much use as a chocolate teapot. So unhelpful and unsupportive.
Kerry Smith True. Vulgar, uneducated, irrational, no hope. The 14 year old son trying to understand would be far more help to his mother, given the chance, at least going by what we see here.
Kerry Smith her husband is bloody useless
is that animals they own they could start up a business of breeding animals which would get their levels of income rate up
that's men with earrings for you
'i;ll do it on my own then eyy' she said and i wonder if that statement means she's going to do it all on her own and ditch the loser.
the thought of borrowing money gives me anxiety and watching this I can't imagine the dread it is to be in this situation. Don't borrow money kids, its the start of a hole u can't come out off :'(
Sometimes it is necessary to borrow….putting kids through college for example….so maybe you shouldn’t be so dismissive
I look at life in europe or the states and be grateful to be in africa😔
@@Timbergal true, I can see what you mean. I have student loan debts I probably will never be able to pay off. But I think the person above us both meant stuff like bank loans and putting valuable items such as a car or home against a bank loan.
@@Timbergal adults can work their way though college. No problems
I live well below my means. I own my car outright, I shop yellow sticker reductions where I can for food, I always look in charity shops for what I need before I buy anything new. I save the majority of my wage and take on overtime where I can, I side hustle and try to make extra pennies anywhere I can. I refuse to ever be in debt if I can help it. Its so sad to see these lives in torment over money. I am so unbelievably thankful I am in the position I am.
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I would like to marry you! We could have a beautiful life together my kind of woman I hope you believe in Jesus Christ as your Lord and Savior that would be perfect
@@franktrautman2092 😂😂
So glad Real Stories are able to showcase a new and exciting documentary every day.
Almost 40% interest on that car? That is just awful!
Highway robbery! The loan sharks should be ashamed! Greedy jerks! 😑
Great for the lender!
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Maria is such wonderful mom. She tried so hard to allow her daughter to just be a child. So many of us forget little one hear everything and they know more then we think.. I hope she was able to get herself where she wanted to be in life.
Nooooooooooooooooo. The fact she is a social worker is just horrific.
That Melvin is Useless....
The wife should leave him... one of the problems considered SOLVED
Reylan Reylan Amen! He needs a reality check!
She’s in the fight alone!
True, Melvin is the biggest problem here. He's got a punchable face
So he quit his job because the child has arthritis? He's pretty active, really. So give him his meds and get back to work.
Your child having arthritis is not good enough reason not to work especially if he is still able to go to school etc.
My dad did the same the second my younger brother was diagnosed with asperger's syndrome. It was no reason to stop working but he used it as an excuse.
@@alaurahwillow155 My son has Aspergers and a listening disorder. I work.
debbie peter Yeah, most people with kids with Aspergers do. My dad just chooses to be lazy. My brother is 19 now and my dad still doesn’t work. He deliberately hasn’t taught my brother life skills so that he can make out that my bro needs more care and support, to get more money, I think it’s abusive to be honest.
@@alaurahwillow155 Agree 100%
2:04 That's the first problem you, Sir, have with money. You don't even know the exact amount of rent you're paying.
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I feel so sad for those 4 kids, they will be forever effected by the poor decisions that their parents made. I hope they learn from their parents mistakes and have far better futures.
They won't.
The teenage boy, Brett’s expression says it all. It’s hard to process how adults express themselves, they sometimes are in earnest denial, other times they’ve decided their circumstances are absurd so they laugh. That kid is reconciling with real loss that he had no control over whatsoever. Honest and sad response, and I’m feeling half guilty he had cameras on him.
I hope she and Melvin are no longer together! He is worthless and the biggest problem she had.
Cookie - She is her own worst enemy. She needs a wake-up call.
To be fair he said he could go back to work (why aren't you there already when your house is under threat) but aside from that she said well what's the point we won't be any better off
US Senator Elizabeth Warren did a long term study of bankruptcy. It found that men tend to control family finances until they're in too deep a hole and then they check out and leave their wives to sort out the bankruptcy details. For whatever reason, they just fall apart.
@@JenCarew she is encouraging him to be lazy.
The interest rates on loans to people on lower incomes are criminal!!
Suzanne Fountain u nailed it
These are the only loans they can qualify for. The richer you are the less risk you are to the lender, hence a better rate.
predatory
@@zuzanazuscinova5209 true
shocking. I think these are loans for poor people.
I grew up dirt poor. Now at age 21, I am attending USC with a full ride scholarship.
Enjoy the ride, it not free, it's on my dime!
@@cmcmahon8551 No, it's on scholarship for grades or athletics or both.
@@merrilittleprepper2770 My bad, congratulations!
Alhadulillah
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We went through hard times when my first child was born. We lived on credit cards and loans, we managed not to miss a single payment but we lived from hand to mouth. After paying everything off and the hard work hubby put in at work we managed to pay everything off. After that we got rid of all our credit cards. Now if we can't afford something we just do without. Everything except our mortgage is now ours. The trap is hard to get out of but not impossible.
Ok
Good for you
What do you want with that judgemental comment??
@@michaelax3025 idiot. She's telling ppl not to live above their means. How are you doing?
@@michaelax3025 right?? Good for you lady, give yourself a big pat on the head for a job well done....and your point is?? 🤦🏻♀️🙄🤦🏻♀️
That poor ill man, I'm sending him love and regards. How sad, after everything he's been through he has to stop his oxygen machines. 😭
vegan duende Love and regards...that’ll help.
No ! This just can't happen!
I live in the UK and have a friend with COPD, he has an oxygen machine at home which is on 24 hours a day. People on oxygen receive a payment every three months to cover the cost of running the machine.
@@GQ-yj5oy Michael is not on oxygen machine, it's a nebuliser (helps him breathe, by making moist air opening up his airways). However I totally agree with you, like your friend, poor Michael deserves financial help too and he should get some.
Michael was a chef 😂 he probably ate his way to high cholesterol with shiitey, fattening food 🤔
Maria seems lovely - I hope she is sorted now
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I feel for the wife with the useless husband however, they're both quite whiny. I think they're both waiting for someone else to handle their affairs for them. There's probably thousands of households going through financial stress like this.
True, both could be working, then they wouldn’t be in this bind.
@@lisamcilvainartpage8838 she was working maybe you have a short attention span
@@affectionatepunch she went on the sick.........attention span???
That husband of Tracey’s is a real piece of work. He does f..k all for her. He doesn’t comfort her when she needs it. He doesn’t help her in any way at all. The best thing that she can do is get rid of him and make a life for her and her boys. Let him fend for himself and see how far he gets
karen fugagnolo he’s like one of the kids ,he walks 10paces in front of her ,she gets upset then he has a tantrum ,as they say he needs to grow a pair as they say
The couple that took out a loan, using their home as collateral to secure the loan, to pay off credit cards makes me so sad. The credit cards (consumer debt) typically is granted with no collateral required, so if the card holder defaults it's not easy for the card issuer to collect payment. They couldn't get your house if it's your primary residence. The worst they could do would be to sue to get a lien placed against the property, but you don't have to ever sell your home to pay that loan. You choose when to sell, if ever. They wouldn't collect until you decide to sell. Whoever convinced them to use their home as collateral for a loan to pay off credit cards swindled them.
I was going to make a similar comment. What horrible "financial advise" to get a second mortgage to pay off the unsecured creditors. And they apparently were in good standing with their primary mortgage. Heartbreaking. Personal finances should be taught in school from an early age !
Consumers often don't realize that credit counseling companies are usually arms of the same companies that issue the credit cards.They are going to convince you to do whatever you can to pay off the cards, such as using your house as collateral to pay off consumer debt. It is the worst advice possible in most cases. Default and/or bankruptcy are sometimes the best choices for consumers drowning in debt. These counseling companies are never going to present the option of strategic default. If this couple had made that choice they may still be in their home. Default is a financial tool that big companies all over the world sometimes choose when it makes the most sense for them. That tool is also available to consumers in most cases of consumer debt. Sure, the debt collectors can drive you crazy with phone calls, but that's more tolerable than being homeless, especially when kids are involved.
purewonka u know u have made an excellent point. I'd like you to elaborate on what type of courses a person can take to learn about managing their personal finances, or really good books (for dummies) so it's straightforward and easy to understand
The problem is these credit companies prey on these people who have very little knowledge about financial management. Unfortunately they will learn this the hard way.
It really doesn't sound like it took much convincing.
Hurts me when kids gets affected
So many good people in such hard circumstances. I hope they're in an easier place now since when this documentary was made.
Seeing the kids knowing the situation is heart breaking
Anyone knows what happened to Tracy and the boys? I hope they found a new home. As for her husband, the oldest of the boys seems a lot more mature than him. What a shame.
He's worrying about family issues and his mum
How do you know they split up?
I feel for the lady having to sell her and her husbands house. Selling it is good advice from the job. Her husband is her problem, no job and don’t seem to care or even for his poor wife. No consolement to his poor wife who is clearing suffering
Agreed.. he is awful and useless
.. no prize for guessing where all the holes in her doors have come from.
Shiralee George she took leave from her job too, because she was sad....
He wanted his bike fixed? How incredibly out of touch with reality he is concerning the situation. All nonessential property should be sold when foreclosure and bankruptcy are within view. The real solution would be him get off his a$$ and go to work for any amount of money!
Agreed. He's the problem.
Jay Leno how exactly, she was doing everything herself and instead of helping and doing it as a team, he was being VERY inconsiderate
,worse then the children because he should have the sense to put his needs aside. This poor lady was simply trying to explain when he didn't understand yet he goes on tangents and makes the lady feel horrendous. Explain your point.
My heart aches for Tracy having to give up on their house!!!❤️
I feel so sorry for the lady in Derby. Her husband appears to be totally useless and she is carrying everything. I do hope life is better for her now.
I'm watching a documentary on poverty and RUclips is showing me an ad for Breitling watches ...
My son put an ad blocker on my computer. I hate ads. Doesn't cost anything.
Ironic eh
"Mixed Messages" Department.
The most utterly depressing thing about this documentary is that people continue to try to figure their way out of debt by using credit. Borrowing against already insufficient future earnings is never going to end well. If you can't afford your lifestyle with the income you have it's time to redraw your plans. Increase income and/or reduce outgoings.
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Yes
@@persephone2268 Sadly, my comment has become even more relevant over the last year. We even have people here in the UK working full-time and receiving benefits because pay is so low who can't make ends meet. It is going to get worse before it gets better (if it ever does) for us non-privileged people, i.e. 99% of us.
That couple get no sympathy from me. He has no job and she left her job because she is depressed when they already couldn't pay the bills.
Imagine the pain the eldest son was going through
It breaks my heart seeing debt tear families apart... Once madly in love to resentment. One reason why you should hold off on having children until you are financially stable and this may mean never having children at all.
Melvin is living in LA LA land he doesn't want to work he's a kid not an adult
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44 grand on credit cards 🤭??? What on earth.. I know you have got to feed the family but come on let’s be realistic. My heart goes out to them but in hindsight they should have been far more responsible.
My husband and I both worked, we were financially doing well, never ever used our overdraft, we owned our house in a beautiful area, the house was brand new, with four bedrooms, two boys and a really great life, we would buy food for the local food bank, and children hospitals!
Two years ago I was in an accident, I was walking along with my dog when an extremely fast car swerved and hit me, my leg was hanging off I could see my knee, I tried to lift my legs up, my left leg was full and I was elevated but my right leg was causing some pain, I couldn’t lift it so I thought I had broken my leg! The fire Brigade arrived followed by two ambulances, I thought the person in the car had died and that was why I had two ambulances! I was given some lovely drugs put straight into the needle in my hand! I am now a right leg amputee, the phantom pains are agonising, I can’t have a false leg due to the infection that got into my stump! I am now on PIPS; my husband has to work from home to look after me, we have lost our previous way of life we struggle, our savings are depleted, I hate feeling like a failure my husband is the best man EVER! We lost our home, thankfully the housing association gave us a fully adapted bungalow and we feel so lucky, my life is not great but I am thankful for my husband and kids! I have seriously thought of suicide many times, I have caused my family so many problems, our money is is very limited, I only eat cereal so my kids can have the proper food, I shouldn’t complain but sometimes it is very hard!
@@Hayley0412 I know you wrote this a month ago but I’m so sorry that happened to you :(
If you have a lovely husband who’s there for you is because you deserve it!! And I’m sure he knows you’d do the same for him. Don’t give up Hayley! You’ll overcome any obstacles in life ❤️
Don't waste money on xmas/b-days. Heat and food is more important.
@@SatansTesticls thank you so much for writing me a message, it truly made my day, sometimes putting yourself out there can cause some very negative opinions! I was so happy that you spent your time writing such a beautiful message! Some days I laugh all day when my kids recount funny situations, those days I am so thankful to be able to spend quality time with them, which reminds me why I am the happiest person alive! My husband is amazing our marriage has completely changed, we had the world at our feet, I was only twenty one, all my friends love him, they always bring him treats when they visit, Apple Crumble which is his favourite!
Bonnie thank you for making my day and my husbands it is so nice to receive an amazing uplifting message, I hope you have an amazing day, week, month, six months and years and years of happiness! You have a beautiful soul and I am so glad that I got to meet you online!
💐❤️😍🌷🥰🌻
@@Hayley0412 why did you feel the need to write an essay with all the intricate details of the accident? I don't believe this story. It's made more unbelievable as well with all the exclamation marks.
I know exactly how these people feel . The same thing happened to My husband and I. Losing your home is terrible.
This makes me so angry...... search google for - DIBNI Beyond debt - settle your debt without making a payment
Being in debt is like being in prison, I've been there and been to court over it many times, I know what it feels like when a letter falls through the letter box, when every time your phone rings you know its someone chasing you for money you haven't got, bailiffs turning up at your door, sleepless nights, feeling like a failure to your family and friends. I take full responsibility to my debt and eventually I got myself straight again , please don't give up on yourself, I know its impossible to see a way out at times, but as long as you don't give up on yourself and are willing to work, you will get through it, just don't give up.
My minimum payment on my visa next month: $130. The fees they're charging me next month: $250. And they keep offering me increases on my credit limit. They've structured it so that I'll get into deeper and deeper debt without noticing until it's too late. They don't care if I can repay it - they get the money one way or another, and profit massively from the interest in the process. If you're not careful, or don't have the skills/knowledge to look out for yourself, they'll destroy you for a few extra bucks, and there's no penalty to them for doing it.
I'm really lucky to have my health, a decent paying job, no dependants, and a high level of education. My visa and student loans are unlikely to ruin me at this point. But I'm all too aware that I'm one major illness or layoff away from financial disaster at all times. There are a lot of people in the comments judging the folks in this documentary, but they shouldn't. It's easier to end up in this situation than you realize, and if you do the system is stacked against you.
shocking it is it not easy
suchnothing ......WELL SAID
Suchnothing i thought there was going to be a "priceless" joke in there somewhere after the the 2nd or 3rd line.
Anyone who has a credit card has rocks in their head!!!!
@@craighall689 not true, unless you can't control your urges to spend. I put nearly everything on two credit cards and both are automatically paid off every month.
I like the Determination and positivity of the single parent lady i just hope she can turn her situation around..as for the couple facing eviction my heart went out to there eldest son.and for all of them really and its easy to judge others if you havent walked in there shoes.
I have been there
these poverty documentaries make me feel like a king
What a sad useless husband. A waste in the home. He just stands there like he don’t understand nothing while the wife does everything.
That lil girl who is Marias daughter is so cute!
Don't think melvin loves this lady
Or his kids....or his life...or himself.
Could be mental health issues hopefully he’s doing good now
He just wants to head over to the pub and dive into those pints of lager!'
I lost my home is 2012. It hurt and I felt like a failure. It was a blessing in disguise. I started sleeping better and found it easier to face each day. I will never buy another house, but that's ok. I also have no credit cards anymore.
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Congratulations
I’ve been on my last $20 so many times before. It’s depressing & hard to live like that.
I have a job now & so does my husband but it’s always in the back of our minds that it could happen next month that we could be in money troubles so easily.
Jess, I hope both you and your husband still have your jobs during this awful pandemic. Good luck!
Sharon Harris Sadly no. I had just gotten a job in a travel industry in the last week of January this year and Hubby has been put on pause for his security work at the airport. We are getting benefits so that’s a blessing but they end in December
@@jessess6810 I am so sorry! As soon as I read your original comment, I had a sinking feeling because so many people have lost their jobs because of the pandemic. I am one of the lucky few that's still employed but has basically had to adapt to how my job is structured. I am an elementary school teacher and my district is doing distance learning for the upcoming school year. I am very near to retirement, so having to learn alot of new technology is dizzying to say the least! I know things will work out for you. Please stay safe and good luck to the two of you. Love from Florida.
@@jessess6810 hope your getting along better now ❤️
@@sharonharris9782 Ive found a work from home job during the pandemic, a call centre. Husband gets paid out by his job until work goes back - we are in Australia so our government is really looking after us, thank god 🙂
Money on credit card is not free, nor your own money. How difficult to understand that?
It's free for the Criminal Banksters, who print it out of Thin Air!...and charge "INTEREST" for it!.
Depends on the person. Some aren't able to understand, don't judge.
Kev S yep that’s exactly why i’m having a debit card. can’t afford to be paying interest each month
You're supposed to only spend what you can afford and pay off the balance each month..... It is your money because you were approved for the loan....
I feel really sorry for the children. They deserve better.
If these people were this bad off in 2017, can you imagine how terrible it is for them now in 2022?
I have $10 for food until payday in 30 days(finally found a job! :) its been months looking! I'm going to the foodbank tomorrow. those foodbanks are life savers. so is peanut butter, rice, and bananas. its decent price and high calorie enough. A cup of lentils will get you 300 calories.
@ tocopheryl acetate i hope you are doing better now
I really hope things are better for you sending much love and respect from the UK 🙏🙏🙏
I'm doing the same, eating rice and lentils. 500 calories a day to save for future
Exactly..I was thinking the same we Indians do that rice and lentils your more than good to go....
I hoped it worked out for you