no way out

learntthehardway_2

I previously put post up on here how do I stop full payments coming out my bank account on Monday of 4:eek: yes 4 payday loans (stupid cow!).....I have been on the phone to them for two days after advice from C.C.C.S........Two have give me 30 days for C.C.C.S TO CONTACT them for my DMP THE OTHER TWO noway (WILL TAKE £1100)......my whole wages going to be PRACTICALLY wiped out and not much left to live on never mind pay bills....option left is close bank account. open new bank account elsewhere not an option really.....I phoned my wages office , told me cant stop payment too late and if i close account wont get wages for back to me for two, weeks(cheque).plus three days to clear. I have cried and cried........I have court action against me on 7th Oct against morgage arrears and feel cant take the strain no more.....working all hours get money in...I know its my fault,my debt.Someone on here advised cancel card but C.C.C.S SAID "DOESN'T WORK" they class as soon as you sign for loan its "transaction from that point". How am I gonna live next month and another load of creditors letters .... I've lost a stone in a week, sleep 4 hours a night, and constant ache in my stomach.feel so ill.....feel like running away...but there is nowhere to run......i read constantly posts on here and admire how people are so strong/determined/great people even in face of dire circumstances.....I feel like Im treading mud and in a living nightmare,worked so hard these last months and getting nowhere, everything catching up with me. If anyone has any advice please help.

isy1011

Well done for posting. Take some deep breaths.

Post up a SOA and let us help you save some money that can go towards repaying debts.:)

learntthehardway_2

how do i do soa??

Norfolk_Jim

Do you have a supportive GP. The lack of sleep will take its toll on you and you may have depression. Its just not possible to make good decisions and think clearly if thats the case, so apart from any other help you will get on her, consider having your health checked out as well.
There will be some help. Theres a lot of people on this web community who have been in the same situation and do understand what you are going through. Theres a lot of good advice here and I'm sure they will be some for you soon.

podperson

Ok hun, as Isy said deep breaths and try to calm down. Yes it seems awful now but this is not worth making yourself ill over. People on here who might seem strong and determined have nearly all been where you are now, they have got it through and that means you can as well.
Firstly, are these payloans coming out on the exact day you get paid? If it's a day after then take all your wage out as soon as it come in and move to a new basic account with another bank (if fact get this set up straight away anyway since these companies have your current bank details). If there is no chance of doing this is there any way you can extend the loans further for a fee?

NorthernLas

OP: Have you read through SaltnVinegar's advice yesterday? http://forums.moneysavingexpert.com/showpost.html?p=36671369&postcount=3, it really is good advice.

Phone the bank and tell them your card has been stolen.
If you don't have any debts with the co-op, phone them up and set up a co-op cashminder account http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

When do your wages get paid in
When do the payday loans go out - can you extend for 1 more month?

learntthehardway_2

I get paid on 20/09/2010...monday..........and yes they are taking loans out of my wages. what a mess......two have agreed to give me 30 days for C,C,C,S TO send my payment proposals but wonga and payday express have said noway.So £1100 will come out monday. Thanks for your posts......cant afford to go to GP.DONT WANT ANY RECORD OF ME BEING ILL,might lose my job.I'm just on robot going through the motions.I have posted my SOA but cocked that up put in new post not here......cant do that right !!

JoS1972

Have you thought about phoning your bank to say that you've had your card stolen (i Know not the most honest, but hey desperate times ).

I did this when I was in the same boat a few months back, they blocked the card straight away, and because I had reported stolen, I think i told them I thought my lodger had taken it (I don't have a lodger btw), they put a total block on the card. Its worth a try.

Only had to wait 3 days for a new card as well, good luck hun.

learntthehardway_2

C.c.c.s said this doesn't work?? Phoning bank to cancel card?

JoS1972

As long as you tell them its been stolen you should be OK, I bank with NatWest and they were brilliant.

learntthehardway_2

ok. I'll phone bank say its stolen........thanks to all got nowt to lose.Do I specifically have to say its stolen? not lost?