bail on the bank ???

woody01

You are defaulting on the wrong things and still burying your hrad in the sand.
You mobile and internet bills, for someone that earns so little, yet owes so much, are absolutely ridiculous.

Also, you CANNOT lie when trying to set up a DMP.
Why would people advise you how to hide some of your finances when it wouldnt help you?
Your aunt for example lent you money, but it WILL get to a point where you will let her down also.

pelirocco

firestronaut wrote: »

I'm sorry, but if you can borrow money, you can pay it back. You can't just cut and run because you don't feel like paying it back.

Post a SOA and we'll see what we can do to help you make cutbacks and pay off what you owe.

You may be able to claim the charges back from the bank under the hardship claims if you're really struggling. Until then, you'll have to put up with it.

I'm sorry to sound harsh, but it's because people take money and run that interest rates are high and companies are less willing to help the people who want to pay what they owe but are struggling to do so.

The Op never said they werent going to pay , just they couldnt pay now

woody01

pelirocco wrote: »

The Op never said they werent going to pay , just they couldnt pay now

They can though.
They just have the priority debts in seriously the wrong order.

antony85

its not that im hiding from my debts, i want to pay them the simple fact is that i cant due to a recent drop in earnings!

i now earn just £160 a week compared to £230 a week, thats £280 less a month!

and i feel i do have my priority debts right, i have to pay rent, i have to pay travel to get to work,and i have to buy cigs or id just top myself lol, but i am trying to quit, and i have to pay orange otherwise i have no phone for communication an i might aswell lock meself in a cupboard! not to bothered bout payihng t-mobile but i think i might aswell pay them because the contract ends soon, and it willl become one less bill to worry about, same goes for htp only 3months left with them i made an arrangement to pay just before xmas and they have froze interest etc, and i HAVE to pay flm loans as its guaratored by my aunt and shes no longer in a financial positin to be able to pay if i default on it.and also im not trying lie on the dmp, what im saying is my other creditors probably wouldnt agree with the fact im paying htp more than them, and as i have no food expense i was saying could i just wack htp under food for a few months until its paid off so other creditors dont question why im paying htp alot more than them? and in 3months i could update my creditors and say that i now have an extra £100 pounds to split between them.

antony85

woody01 wrote: »

You are defaulting on the wrong things and still burying your hrad in the sand.
You mobile and internet bills, for someone that earns so little, yet owes so much, are absolutely ridiculous.

Also, you CANNOT lie when trying to set up a DMP.
Why would people advise you how to hide some of your finances when it wouldnt help you?
Your aunt for example lent you money, but it WILL get to a point where you will let her down also.

i fink uve missed the pointed my aunt never lent me a pennie, flm lent me the money my aunt stood guarantor and if i default on the loan my aunt would be chased for payment, however my aunt has since split up with her partner and is now on benefits, and would never be abkle to afford to pay them, which is why i will NEVER not pay the loan!! hope this clears that part up

tazzy2010_2

Hi Antony,

Just read your thread and I really feel for you. Is there no way you can increase your income?? A second job or even change of job?? Hope you get it sorted and I think the national debtline is excellent, defo give it a try. All the best

antony85

tazzy2010 wrote: »

Hi Antony,

Just read your thread and I really feel for you. Is there no way you can increase your income?? A second job or even change of job?? Hope you get it sorted and I think the national debtline is excellent, defo give it a try. All the best

glad someone does ! i have been and im still loking for an extra income, ive sold everything i can ipod, has tv cut off, stereo etc, havnt sold my phone as it doesnt belong to me, its current ownership status is with nokia, the phone isnt mine until june this year (it is a test panel phone, and cannot be sold until june, under terms i agreed to) and my only other asset is my laptop and i need it for telling my sob stories on here lol, and my open university course.

antony85

i havnt paid t-mobile this month and dont plan on as there costing me £47 a month, and i dont even use the dongle, or the sim anymore, does anyone know what they are like when you dont pay them, and offer them a payment i can afford each month, until the outstanding contract amounts are paid ? or should i just carry on paying them and wait til the contract ends in oct ?