Running out of time, needing to borrow in time for xmas...

ciscokid

the_insider wrote: »

Hang on, are you saying that people in debt deserve a higher income than those that aren't?!

No I am saying, if i had to pay £350 a month in debt, I could have about £1200 a month surplus cash....£1500 when debt free....I don't need that sort of money a month....it would be nice to be able to save it however then look at moving to an easier/lower paid/stress free job a few years later...

the_insider

Maybe you'll get something other than schtick if you post an SOA showing where your money goes. If you have in income of £3500 CAB will look at your essential expenditure and then make pro-rata offers to all your creditors. You will then be able to pay off a fixed amount each month, knowing that your debt is going down. Have you actually spoken to any DMCs?

the_insider

ciscokid wrote: »

No I am saying, if i had to pay £350 a month in debt, I could have about £1200 a month surplus cash....£1500 when debt free....I don't need that sort of money a month....it would be nice to be able to save it however then look at moving to an easier/lower paid/stress free job a few years later...

Noone needs that amount of money a month, but people get by

Icanandwillsavemoney

ciscokid wrote: »

We take home £3500 between the two of us each month, we are not in financial difficulty.

10 years ago we used to take home £850 between us and we were much better off, even with having a new baby to care for at that time.

You are using payday loans = financial difficulty

You can not afford to heat the house = financial difficulty

You have £40 a month left for food and bills = financial difficulty

You need to face up to the plain cold hard facts.... you ARE in financial difficulty otherwise the above would not be relevant.

I am not judging you, just telling you how it is although you are loathe to accept that.

Icanandwillsavemoney

chalkie99 wrote: »

Well done!

What a refreshing post in an otherwise dismal thread. :T:T:T

And at age 13 when image is everything.... Gosh I love my kids

moderngirl

OMG i just read there is no santa :eek:

ciscokid

moderngirl wrote: »

I wish we had a monthly income of £3500, wow.

Despite what people may think, I am not an idiot, and have worked my way up from working for free for the work experience, to a job as a consultant, with a promotion likely early next year. The reason I succeed in my job so well is because unlike everyone who wastes clients time saying "we can't do that, thats just the way it is, theres no solution, thats the way it always been" I smash that philosophy to pieces and always challenge myself and my resources to make things happen that everyone else spends twice as long arguing that it can't. This is why I refuse to listen to "computer says no"...there are ways and means around everything...but for everyone who thinks like me there are clearly 1000s who prefer to stay stuck in their old ways "lets just accept things the way they are"....due to this I am usually quite an unpopular person in my work because my approach to work only highlights how full of bs everyone else is, and that is a threat to them. just like here, everyone else had to suffer on beans on toast because they got themself in debt paying for weddings and buying sh*t they never needed...so how dare I think I should be entitled to an easier way out eh? Well....its going to happen one way or another...so watch this space.

drew2k9

are these links the kind of answers you wanted? but be warned, you will probably end up worse off in the long run.

also i havent researched them in the slightest, just typed "debt consolidation loans" into google and here are the first two...
http://www.best4loans.co.uk/loans/debt-consolidation-loan.aspx

http://www.bainesandernst.co.uk/?utm_source=google&utm_medium=cpc&utm_term=debt%20consolidation%20loans&utm_campaign=BE_G_Debt%20Consolidation&appendsession=1&siclientid=4722&sessguid=92a77dfe-4b37-466f-86b8-bd101d668367&userguid=03c47873-8bb0-445d-90b4-2550af8bdc09&permguid=03c47873-8bb0-445d-90b4-2550af8bdc09

but really, just do what EVERYONE here has been telling you, go to the other section on the forum, get advice from CAB and CCCS

the_insider

OK so what exactly has your £15,000 of debt been spent on?
Please please please fill this out, post it on here and let the people you asked for help help you!! http://www.makesenseofcards.com/soacalc.html
£1600 of your household income is disappearing and you need to find out where. It's a lot of money for a family to spend when they can't afford heating!

cgk1

Well this has been the attitude of every debt management program, CAB, bank, "can i just pay £1 please" and every other suggestion mention here....its maybe hard to understand that what works for some people doesn't work for others

Look the law is very clear on this, your agreement with your creditors has to be one that leaves you enough to eat and pay essestional bills - absolutely nobody here has suggested that you make a suggestion to your creditors of "I'll only pay a £1" but that you make Realistic offers based on your income and outgoings - as long as the offers as realistic, while they might hassle you, as long as you stick to your guns, they would have to explain to the court why they didn't accept a realistic offer of payment.