I Give Up I Have Had Enough!!!!

emlc27

Quick quid had my credit card details and have taken payment without arrangment a few days ago.

I have now stopped that card.

I work as an IT engineer and 3 friends asked if would get them a good laptop. I said put the money into my bank and i'll order them. By the time they had put the money in my account was OD and I was not able to order the laptops.

With my dad I feel so bad. I can explain to him yes, we are quite close. But he has benn through so much resently I dont want to give him the bad news that I cant pay him. He hasnt got the money to pay it and was reliying on me - I said I wouldnt let him down. No he and my mum go without. Mum cant afford to put her car back on the road oh what am i going to do

emlc27

This is my monthly bills, I can afford them.I just dont know how to pay back my dad (this month) friends laptop and also my sister who lent me £500 and now demands it back

Wages£1,415.00
Rent £106.00
Tv Licence £11.00
Council Tax £280.00
Gas £91.50
Electric £100.00
Water Essex & suffolk £25.00
Water Waste Angleia £25.00
Petro l£160.00
Car Tax / main £30.00
Car Insurance £28.00
Credit Card £50.00
Phone bil l£100.00
debts £80.99
BT £12.50
pluse net £9.99
Dad £200.00
my debt and arreas are

pound till payday £327.00
payday express £380.00
ebay £185.76
BT £253.09
Welcome £2,821.86
British Gas £489.38
British Electric £291.77
Littlewoods £103.17
O2 £206.54
Alliance Bank £181.51
southen elec gas £93.10
Egg £1,000.51
Quick Quid £300.00
Bay Trading £288.02
Next £214.82
Total£7,136.53
Company ArrearsAmount
Scotish Power gas £400.00
southen arreas elec £538.88
Anglian £201.08
tax £2,250.31
Essex and sulfolk £135.08
Total £3,525
Family/FriendsAmount
Credit Card £2,000
dad £2,050
Total £4,050


All adding up to TOTAL £14,423.51

Triker

Can you claim anything back in bank or credit card charges?

It may be worth a shot.

I think the only way forward is to come clean with your family that the bank has basically taken the money from your account and that this was totally unexpected and you are trying to find ways to sort it out. Now is there any chance you can negotiate any overdraft facility from your bank?
Good luck I know this is a really difficult time for you but its also a strating point to get yourself on track.

Try to stop panicking, have that brew, and collectively we'll come up with a plan to manage this difficult situation.

emlc27

My bank wont help me I have a basic account and can not yet be upgraded. I can come clean with family but then this doesnt help them.

I am going to make a cuppa and be rught back.
It is so annoying as I can afford my bills if i didnt have every thing else around me

emlc27

Also the credit card is not in my name my boyfriend lent it to me to pay off my car that was on finace

milliemonster

Ok, despite QQ taking this money, with the fact that your Dad has lent you money and your sister, obviously means that you are not managing your budget or DMP very well so we need to look at this long term.

In the meantime you need to explain to your dad and sister about what has happened this month and until you get this sorted you won't be able to pay them back, if you don't have the money, you can't pay them back just yet so please don't panic too much over that.

Can you post up who your DMP is with and what amount you are paying into your DMP each month? then we can see how we can help you manage your budget more carefully.

Well done for cancelling the credit card, but why are you still using a credit card when you are on a DMP? (or is this a debit card???) you need to get a handle on this now as you are amassing numerous more little debts (to your dad, sister and now work colleagues) and this is spiralling out of control, take a deep breath and post up your budget so we can see what surplus you have each month (on top of your DMP) to help you manage better

Triker

Do you have anything that you can ebay, this can be a way to raise funds fairly quickly.

You can do 1 day listings and request people pay you via postal order.

Have you asked the bank or have they already said no re an overdraft, it may be worth a shot but watch they don't try and flog you a loan which is what they like to do.:mad:

emlc27

I pay DMP 80 per month.

The credit card I pay is my boyfriends. He lent it to me to pay off my car. He cant afford to pay that so I must keep paying it. I cant let my dad down again. He cant even put my mums car on the road because of me.

What am I going to tell my friends about the laptops?

emlc27

Yes I have asked the bank and they cant "lend" money on my type of account

milliemonster

emlc27 wrote: »

Also the credit card is not in my name my boyfriend lent it to me to pay off my car that was on finace

In that case QQ are well out of order as they have used someone elses CC to pay off your debt which is illegal, you need to contact your DMP provider now to sort this out