Toothfairy Finance advice

KingElvis

Pigs might fly loans LOL :rotfl:

geoffky

i hav !!! ere 4 a bit ov advice az i as been stoopid.i went an got a lone frum "we will rip you off good and proper loans"an it waz four 200quid but i ca not pay it bak becuzwe i av to go two bingo tommorro and it costs a lot after me iphone top up,me cigs and all me cider,plus meande all the others go for a !!!!!! after..so what shud i doo..i av only 5 kids to feed and iv i ask all their dads they will beat me up..hope sum one will pm me and offer me sum money..can u help..ps my seven staffies are starving..

redqueen_2

ok so you've made the same mistake as thousands of people. All the mickey-taking aside, the other members are right, your credit rating is probably already damaged so don't worry about it.

At the end of the day, your credit rating isnt a golden ticket, its just a piece of data and its only use is to assess you for lending and at your age you don;t want to be taking on credit. it ain't gonna get you a date with Beyonce, or get you backstage at Glastonbury or get you a trial at Man United.

(I'm sure these are all the things i wanted when i was you age, except that Beyonce would have been about 10 so it would have probably been one of Bananarama for me)

Whether you are struggling or not, the interest rates are huge so a repayment plan on all 3 doesn't make any sense unless the interest is stopped immediately, allowing you to repay the debts asap. My advice; stick it all on a debt management plan either with CCCS or an independent firm.
Let them contact the creditors and stop the interest.