The 'I'm In Debt, Help Me' Thread

queenofthedump

good news to hear your researching JSA think of it as research for an expose article on the way you get treated by the system.

aaarrrggghhh

I like your thinking MarieB!

Although I tend to go into all jobs with my journalistic head on - ie. what potentially could I dig up in THIS place?

Probably why I've had six jobs in three years...

aaarrrggghhh

New development - my Switch card used at Uni (I'm taking time out before returning for the next year) has been passed to creditors!

I assumed I could leave it in the £1000 overdrawn status, until my next student loan goes in next year! Obviously, I was wrong. Or was I?

Am now sick of all this, so I'm looking at PayPlan/Loan/Debt Consolidation just to get all these people off my back.

aaarrrggghhh

Update - I finally confessed all to my parents today. They have agreed to pay off nearly £2250 worth of debts for me, on the proviso that I pay them back each week. This was their suggestion.

I am now in the process of creating letters to send to each DCA to try and negotiate full and final settlements. If even one of them agree, the money saved will benefit both myself and my parents greatly.

Going to update my sig soon with all my debts. That'll be fun.

CLAPTON

you have no financial problems that virtually any full time job would not resolve.

aaarrrggghhh

CLAPTON wrote:

you have no financial problems that virtually any full time job would not resolve.

Er... thanks for that fact there. Great.

I am aware of this, and don't see how it follows on from the last post.

Anyhoo, I am trying to get a full-time job, and each day a new application goes in. However, I am still unemployed.

I'm sorry if I've taken your comment the wrong way, but it's very easy to say what you've said, when you're not in my situation.

Ceri_2

adammccance wrote:

Er... thanks for that fact there. Great.

I am aware of this, and don't see how it follows on from the last post.

Anyhoo, I am trying to get a full-time job, and each day a new application goes in. However, I am still unemployed.

I'm sorry if I've taken your comment the wrong way, but it's very easy to say what you've said, when you're not in my situation.

I completly agree Adam. I'm in the situation that I am temping, hopfully for another 6 six months but it is temporary work. But various people on & offline think I am happy with this situation & am not looking for permanent work.

aaarrrggghhh

Hi Ceri

I know! It is mildly annoying that people assume these things - my debt, for one, is MY debt - and yes, I want advice, but I don't want to be told 'that's nothing, get a job, what are you worried about'.

I realise my debt is nowhere near 99% of MSE posters' in this forum, but it's still debt, and £2000+ is with creditors, which, in my opinion, is pretty serious.

I'm just very lucky to have very understanding parents with money to pay it off for me. However, I'm not some 'rich-kid snob' who will just thank 'mummy and daddy' for paying this off. I will pay them back in full and treat them to a Kinder Egg or something once it's sorted.

Rant over now anyway.

sanfrancisco

CLAPTON wrote:

i think it most unlikely that the credit card companies will accept a deduced final payment as full settlement....why should they, you will be working so they will expect full settlement. If you dont pay they will probably pursue you through the usual routes and shoot your credit rating to pieces and may involve baliffs coming to your home.

and the debt will be ever increasing, with fines etc etc.

If none of them so accept Full and finals then I would suggest going to payplan.

aaarrrggghhh

Thanks for the advice.

If none of them do, it just means I'll have to stick with what they say. One of them is with Wescot as well, which I've been reading up on here. Got to be extra careful with them.