Hi, my name is Richard from Gloucestershire in England. I am a 43 year old father of two who has reached breaking point because of my financial situation. I've always worked all of my life and had done reasonably ok with things. I have a son from a previous relationship and an adopted daughter from my most recent one with my wife. Both children live with their mothers.

My situation started when my relationship broke down with my wife. I lost my job suddenly, and took a low paid job. The strain on our relationship became clear and my wife and I agreed we should seperate.

I could'nt afford to move out, and she organised a credit card in my name so I could pay myself to move which I did, to a bedsit. By then I was still not working and 1500 pounds in debt already with the card. I was offered a job that I had done before in the nuclear industry, but the security vetting period took a long while. Each week I was promised that I would be starting but it never happened, leaving me unable to take another job. This stretched on for months, and of course all of my bills began to back up and all of the failed direct debits started to happen.

To cut a long story short, I have just started a temporary job with an agency at minimum wage. My phone is cut off, I cant feed myself, and when I get paid it gets taken straight off me leaving me with nothing to live on. I have taken a loan to help me pay these bills, but that was eaten up by them and left me back at the starting point. I have just been given notice to quit by my landlord and really do not know what I am supposed to do. I had come to a weekly agreement with the landlord but they have changed their mind and want full balance immediately, and the notice to quit still stands so the longer I am here I still accrue rent arrears despite being kicked out anyway., so essentially I am about to become homeless.

I am ashamed to say I have been living off food handouts and favours from friends for months, and I am at the end of my wits. The only bill I managed to pay this month was the internet which is why I can post this. Believe me the situation is probably worse than I am saying but I am trying to keep positive but its hard. I have two beautiful kids who I cant afford to travel to see because of fuel costs. I just feel like such a failure as a dad and a person, and this is making me so ashamed to feel like I need to beg online.

I have given all of my life to people and animal charities but when it comes down to it and you are a single man in crisis there seems to be no one who can help you back.

Yes I can get all of the financial advice I need but nothing practical. Can't qualify for benefits, I've tried. I do not expect any help from anyone but if you could have a think about it I would accept any financial help. At the point of writing this I am in my bedsit, having been sent home from work after breaking down with the stress of all of this.

If you donate I cannot offer you much back. I am a Tarot card reader, and would be more than happy to give you a reading if you donate. I'm so desperate I do not care if it is pennies or cents.

If you choose to donate email me on rfield1974@yahoo.co.uk and I will organise your reading. Thank you.