Iam a Depressed, stressed and confused teacher

Iam a Depressed, stressed and confused teacher

Dear Editor
Post this for me but hide my Identity.
Well I’m 30years of age, a teacher on the copperbelt province of Zambia . I am very much depressed, stressed and confused with the levels of debts.

Right now now my wish is to die because the debts have reached a stage were by I can not settle them, I can’t provide for my family besides that this last week (13th) I have failed to go for work due to this financial crisis that I have put my self in.

I owe a lot of lending institutions and they are deducting a large chunk from my salary, I have about 4 financial lending institutions on my payslip and not only that Iam also owing other institutions whom I’m owing salary advances such as GS, Moneta, Unity finance, Good fellow ltd, Totterngram , and lastly Express credit .

These mentioned financial institution have sending DDACS to my bank for recoveries and the DDACS have been bouncing which has also generated some more problems on my account . My bank stanbic has been charging me k510 for each DDAC that bounces and also they charge a pernalty fee of K1086 for allowing DDACS on insufficient funded accounts ( this is what I was explained to when they sent me a warning letter).

I go home every month with a negative on my account . And to survive and feed my family I have several people that I have got money from and them they charge 50% interest for every amount you get.

People may judge me to be reckless and irresponsible but to tell you the truth circumstances beyond my reach had put me in this mess. I have tried running a business and indulge in agricultural activities it has also failed.

My main contributing factor maybe has been that Iam a the only bread winner of the family of seven ( two men and five women ) Iam looking after my old mother , my nephew who I have taken to a college of nursing and four others who are at the secondary School level .

As I’m writing this to you it is in the middle of the night.

I have no one to talk to but to let you know the general public what Iam going through. This is not to embarrass the government but to ask the general public to help me . I have written to PMEC and attached my payslip and NRC to see how I can be helped by all means. Help before I send my self to an early grave and my family on the

Share this post

COMMENTS

WORDPRESS: 17
  • comment-avatar
    UPND CADRE 1 week ago

    it is true life in zambia has become tough how ever, like what our sister Riza said we need to live within our means,avoid borowing and focus on what u have above all vote wisely in 2021.sharp

  • comment-avatar
    Sponge Bob 1 week ago

    Dont give up. Life without challenges is like an early inheritance. You have not reviled enuf infor. Have you been open to your wife with your finances?Don’t think,if 2 wealthy brains sat and spoke some debts would have been avoided.Borrowing for consumption is digging a death trap

  • comment-avatar

    dont blame the guy,life in zambia has bcome hard especially for civil servants,the only people enjoying ar caders and top govenment officials stealing..

  • comment-avatar

    HI YA GIMME YA ASS FA FUCKING AND I SHALL SETTLE YA DEBTS KAKAKAKA

  • comment-avatar
    Dominic 1 week ago

    You have not disclosed how deep you are in your debts.My suggestion is that firstly do not give up.The mere fact that you have disclosed this problem means you really want to get a solution.I am a client of Standard Chartered Bank myself and have found the Bank very helpful.Approach your Account Manager at the Bank and frankly explain the problem you have and that you want to consolidate these debts into one so that you only pay one Financial institution which is Standard Chartered Bank.Work out an affordable monthly deduction over a period.I am very sure the bank will surely help you.Please try it.

    • comment-avatar
      Dominic 1 week ago

      Sorry,I have just noted that your account is with Stanbic Bank and not Standard Chartered Bank and therefore the Bank to approach for your Debt Consolidation is Stanbic Bank and NOT Standard Chartered Bank.Good Luck

  • comment-avatar
    Riza 1 week ago

    Brother man, learn to live within your means too. Let us ensure we marry with our senses. Slay queens are also a contributing factor. The women you say are not your class are actually the ones who can take you out of that mess. Check your wife too. She could be a contributing factor wanting to show off. There are what we call wife materials and those we cant marry. Women, support your husbands. Again you could have been a problem yourself. You may have gotten yourself a sidechilck you cant sustain and in the long run chews your mulla and goes to the next man leaving you with nothing. Next your holsehold suffers. Lets us learn something from a brother here.

  • comment-avatar
    Riza 1 week ago

    Guys life is tough. If my brothers or sisters don’t get serious with life, let them face reality. Give them their children for a while so that they learn the hard way.Guys, lets be responsible elders and avoid ifyakufyala fyala. If u cant take care of your self don’t think you can take care of your children. Our economy cant allow so let us learn to be responsible.

  • comment-avatar
    Riza 1 week ago

    My brother, its not easy to go thru all this. We never apply to be born into poverty stricken families. The problem I have with our biological brothers and sisters is that they keep giving birth to children they cant even take care of. The y end up putting responsibility on innocent souls.This brother is just good hearted and suffering because of his irresponsible family. If he were to be selfish and just think of him alone, he would definitely be leading an average life even rich. My brother, those nieces and nephews will complete their education and will come to your aid. I hope they don’t turn against him and call him all sorts of names, meanwhile he gave up all for them.

  • comment-avatar
    mephis 2 weeks ago

    Send your phone number for suggestions and help we are also teachers a solution can be found don’t commit suicide.  We need you.

  • comment-avatar
    NDC CADRE 2 weeks ago

    You can not blame this teacher for being in this financial mess,life in Zambia has generally become hard,especially for a common man and a civil servant,vote wisely in 2021.

  • comment-avatar
    hamanjanji 2 weeks ago

    civil servant you are known for borrowing out of impulse,what did you do for those monies you got from those institution,Borrow for the right reason.

  • comment-avatar
    King solomn 2 weeks ago

    This is where the NAPSA must cone in, we make contributions to the institution every month but can only access this money at 55 or 60 years,there must be a policy in place where one can get an advance against his contribution so as to sort out some the problems we face. 

  • comment-avatar

    The best you would have done is to keep quiet. The man is already down, his at his lowest. Try to be sensitive. Where is your humanity???

  • comment-avatar

    Do you have a phone number for this gentleman? Please send it to me.

  • comment-avatar

    You have done well to come out but you need to find a counselor near you there to walk with you out of this emotional and financial trouble.

  • comment-avatar
    Mike Mwewa 2 weeks ago

    A case of ineptitude, and lack of financial discipline