PLEASE HELP :( unsecured debt of 35k

Stuck_1

how many 1000 betting sites on the internet is there, you couldnt possibly put all those in your router, so anyone with a betting
problem would still find a way to bet on-line, with betfilter its near enough impossible to find a betting site,

dantheman2010

ciscokid wrote: »

Give my thread a good read again (best starting brewing the coffee now) and you can answer all those questions yourself!

Tea drinker, but I might just do that.

I am sure I will find that you did do/say all the things I said. I think we both know I am right.

Oh well.

ciscokid

Stuck_1 wrote: »

how many 1000 betting sites on the internet is there, you couldnt possibly put all those in your router, so anyone with a betting
problem would still find a way to bet on-line, with betfilter its near enough impossible to find a betting site,

How will betfilter help me when i am in an internet cafe? (Most casinos offer web/flash based alternatives to their clients) If this software helps people then they already have the will and discipline to help themself, otherwise they would just reinstall their OS...save your $70 a year (have a $70 a year gambling budget instead, you might get something back! )

dantheman2010

ciscokid wrote: »

Give my thread a good read again (best starting brewing the coffee now) and you can answer all those questions yourself!

You said you didn’t say your debts aren’t manageable – this is what you wrote

hbos 200
mbna 200
barclay 100
wonga 600
mem 185
pay day express 385
bank overdraft charge 155
bank overdraft fee 35
TOAL: £1860

My wage = £1900

That leaves £40 ok.

Now I need to pay mortgage, electric, phone, shopping, travel

What I want it to look like is this

newloan £350
(based on loan of 15k over 5 years)

You said you didn’t say you needed a £15k loan – this is what you wrote

A 15k loan would clear everything and give me a bit of spare change..

You said you didn’t say your home isn’t heated – this is what you wrote

while my partner and kids enjoy wrapping up in as much blankets and covers as they can find and going to bed after supper because its too cold to sit up and watch TV.

And here is your bank account screen shot

http://i56.tinypic.com/1zmku9e.jpg

ciscokid

dantheman2010 wrote: »

Tea drinker, but I might just do that.

I am sure I will find that you did do/say all the things I said. I think we both know I am right.

Oh well.

Give me a shout when you get to the point that I am not in 15k debt, but would like 15k so I can not only consolidate my existing debt but have some much needed extra cash, which would not be possible by simply changing my debt to a debt management plan as it would still take time to save up the 2-3k extra I am looking for (which was for, amongst other home essentials we need right now, the heating oil as you noticed.) Check the news now though, there is now a shortage on heating oil...so yet again my terrible plan of wanting a loan (I was originally trying to get this loan back in july) has proved to have been a better alternative (around July I lost over £2000 due to some !!!! ups which would not have happened if I had received that loan in July, which is why I had to go to Wonga and all the payday loan companies again, which is why I was looking for 10k in July and 15k now....10k in July would have paid my debts and given me the float I needed to survive any potential !!!! ups that could have happened (and I knew was going to happen, I have the worst luck in the world and almost every year something happens in my life that means I lose £1000-2000, part and parcel of having the sort of job I have without credit!) If it wasn't for the odd £10 I deposit which I withdraw as £50 (maybe only being a gain of £5 in the long run) I could be in a worse position just now...BUT...if I got my loan with the extra cash (which has a far lower total cost than my current mess) I wouldn't find mysefl stuck at the end of each month feeling I need to resort to such desperate measures!!!

Gothicfairy

ciscokid wrote: »

Give me a shout when you get to the point that I am not in 15k debt, but would like 15k so I can not only consolidate my existing debt but have some much needed extra cash, which would not be possible by simply changing my debt to a debt management plan as it would still take time to save up the 2-3k extra I am looking for (which was for, amongst other home essentials we need right now, the heating oil as you noticed.) Check the news now though, there is now a shortage on heating oil...so yet again my terrible plan of wanting a loan (I was originally trying to get this loan back in july) has proved to have been a better alternative (around July I lost over £2000 due to some !!!! ups which would not have happened if I had received that loan in July, which is why I had to go to Wonga and all the payday loan companies again, which is why I was looking for 10k in July and 15k now....10k in July would have paid my debts and given me the float I needed to survive any potential !!!! ups that could have happened (and I knew was going to happen, I have the worst luck in the world and almost every year something happens in my life that means I lose £1000-2000, part and parcel of having the sort of job I have without credit!) If it wasn't for the odd £10 I deposit which I withdraw as £50 (maybe only being a gain of £5 in the long run) I could be in a worse position just now...BUT...if I got my loan with the extra cash (which has a far lower total cost than my current mess) I wouldn't find mysefl stuck at the end of each month feeling I need to resort to such desperate measures!!!

shoulda woulda coulda, It aint my fault..if only life was better..if there were no bad luck I would have no luck at all..Blah Blah Blah

Trust me...You have it easy compared to lots

Get over it and move on, it aint all about you Kid.

ciscokid

Gothicfairy wrote: »

Get over it and move on, it aint all about you Kid.

I've made it clear on numerous occasions if I didn't have a family to support, I would have stopped caring a long time ago....

What is going on though (getting back to my original point I was trying to make in this thread) where a family like mine can't accrue debt which would actually help us, but this chap can magic up 27k of debt in a few months when he is already in financial difficulty, a self confessed gambling addict (his bank should have flagged these transactions, mine have) and isn't on the sort of salary that would suggest he could be considered for a loan of that magnitude in the first place! That's what I was saying didn't add up.....

Gothicfairy

ciscokid wrote: »

I've made it clear on numerous occasions if I didn't have a family to support, I would have stopped caring a long time ago....

What is going on though (getting back to my original point I was trying to make in this thread) where a family like mine can't accrue debt which would actually help us, but this chap can magic up 27k of debt in a few months when he is already in financial difficulty, a self confessed gambling addict (his bank should have flagged these transactions, mine have) and isn't on the sort of salary that would suggest he could be considered for a loan of that magnitude in the first place! That's what I was saying didn't add up.....

Yep still hearing...me me me all about me, I was saying, I am right...How can this person get something I can't.

Did he say the debt was from his bank or any bank ?

You have made your point again (although I think most got what you were trying to say to begin with) so maybe it is time to move on and leave the thread to people who are trying to help the OP.

dantheman2010

ciscokid wrote: »

I've made it clear on numerous occasions if I didn't have a family to support, I would have stopped caring a long time ago....

What is going on though (getting back to my original point I was trying to make in this thread) where a family like mine can't accrue debt which would actually help us, but this chap can magic up 27k of debt in a few months when he is already in financial difficulty, a self confessed gambling addict (his bank should have flagged these transactions, mine have) and isn't on the sort of salary that would suggest he could be considered for a loan of that magnitude in the first place! That's what I was saying didn't add up.....

You missed all my points again i went through the trouble of reading your thread again like you suggested in order to answer my questions. Now I think I have answered them all and I am sure I am right. I was hoping you would point out if I wasnt.

ciscokid

Gothicfairy wrote: »

Yep still hearing...me me me all about me, I was saying, I am right...How can this person get something I can't.

Did he say the debt was from his bank or any bank ?

Just funny how everyone took great offence at my gambling that actually turned out to be not a big problem at all compared to the complete degens who seem to be frequenting here...

Yet this guy receives all the sympathy, although he hasn't even replied to anyones requests about just how exactly is he due £35k...if you read his first post, he was more interested in whether he could just avoid the payments anyway....

Seeing everyones response to how they have lost money in gambling just reinforces my belief that I appear to be on a different planet from most of you, which is why I won't listen to anyones "if you got a 15k loan you would just blow it anyway, thats what happened to me " So until theres any evidence that this guy is even taking his situation seriously, you'll forgive me for not having much sympathy....