Pay day loans should be banned !!!

iolanthe07

Why can't you all ignore ciscokid? On a previous (now closed) thread he admitted to mental health issues and I think we should understand that and not respond to his posts.

dantheman2010

BAILEYS6904 wrote: »

Hiya Dan, didnt mean anything by it from my part, the moron was blaming you when it was blatantly clear, by him replying back in the wrong id, it was him all along. Even more clear if you happened to catch a thread which has since been deleted he started with his alternative id, sayinghow great he was.

Apologies if any offense caused from my part. I cant really think of anyway to describe this chap that will get through the censors on here. He should be banned

Nope sorry my post wasnt aimed at you, it was aimed at him and his stupid cisckokid fanclub username, but that post had been deleted. He is a complete idiot.

ciscokid

HamNeggs wrote: »

This is not, as the ciscokid seems to imply 'a mindfk' to people. It is just that most people are not so stupid as to act as a personal loan company to someone who has admitted to gambling problems, depression, and the inability to handle his own finances.

So why will we (by means of his bankruptcy) be the ones who bail him out? Anyone dumb/bad enough to lose that amount of money gambling has a far greater debt as far as I'm concerned, a debt to society...the attitude that he should be appluaded for seeing the error in his ways (after losing over 25k than a few months back) is shocking...

dantheman2010

iolanthe07 wrote: »

Why can't you all ignore ciscokid? On a previous (now closed) thread he admitted to mental health issues and I think we should understand that and not respond to his posts.

At first I thought it was quite funny. Now I wish I knew his name and address as I would contact social services over the wellbeing of his children.

Watalie

ciscokid wrote: »

So why will we (by means of his bankruptcy) be the ones who bail him out? Anyone dumb/bad enough to lose that amount of money gambling has a far greater debt as far as I'm concerned, a debt to society...the attitude that he should be appluaded for seeing the error in his ways (after losing over 25k than a few months back) is shocking...

What's shocking, is you leaving your family to freeze while you bemoan your situation on an internet forum instead of figuring out a SENSIBLE way of controlling your spending.

moderngirl

Cisco, at the end of the day the OP of the closed thread admitted the error of his ways and wanted to face upto his faults.

:T:T:T another thread kindly hijacked by Cisco, appologies to the OP of this thread Hope you get sorted

ciscokid

BAILEYS6904 wrote: »

Hiya Dan, didnt mean anything by it from my part, the moron was blaming you when it was blatantly clear, by him replying back in the wrong id, it was him all along.

I will bet you £15,000 it wasn't me.

Nice easy way of me becoming debt free

If you are being serious, then I would disconnect from the internet now, you are too easy a target for social engineering...

BAILEYS6904

ciscokid wrote: »

I will bet you £15,000 it wasn't me.

Nice easy way of me becoming debt free

If you are being serious, then I would disconnect from the internet now, you are too easy a target for social engineering...

Maybe but I'm sat here in a fully heated house, with plenty of available credit, bills paid, no debt and later on I have a mound of Christmas presents to wrap for my child.

I wonder whos the fool??

ciscokid

Watalie wrote: »

What's shocking, is you leaving your family to freeze while you bemoan your situation on an internet forum instead of figuring out a SENSIBLE way of controlling your spending.

I showed you my bank statements, thanks to all the debt repayments I had to make I had no money to spend, I then had to borrow that money back from the payday loan companies so it appears as if I had a wage this month. As mentioned 1000 times, I am losing more in the interest and charges than a normal loan would cost me. How the hell can I control my spending when there is no bloody spending taking place?! Do you want to have a go at me for being a bad driver (when I don't drive) or for having a horrible smoking habit when I don't smoke, or whatever....you are the person who told me by PM that you agreed exactly with where I was coming from!

ILW

ciscokid wrote: »

You might have missed this one...sort of negates every point you made...this is how my life would look if I was repaying debt at £450 per month....If i could get 15k loan mainstream with decent apr that repayment might drop to 350 or less, then you can recalculate the disposable income (READ: real disposable income, after essentials AND debt AND expenses)....

Income 1............1907.30  
income 2............1200.00  
Total...............3107.30  
 
Mortgage............750.00 (changing to 550 soon) 
Council Tax.........180.00     
Home Insurance......35.00  
Electric............70.00  
Cenral Heating......50.00  
Phone...............50.00  
Internet............20.00  
Sky.................25.00  
TV License..........12.00  
TOTAL...............1192.00  
 
Car Insurance.......45.00  
Petrol..............250.00  
Breakdown Cover.....15.00  
Road Tax............15.00  
TOTAL...............325.00  
 
Food/Shopping.......350.00  
Mobile Phone........35.00  
Child Care..........100.00  
School Meals........60.00  
Misc................100.00  
TOTAL...............645.00  
 
 
Total Cost of Living......2162.00  
 
Propsed Card Repayment....450.00  
 
Total Proposed Outgoings..2612.00  
 
Disposable Income.........495.30 (changing to 695.30 soon) 

FWIW...I don't DO quick fixes...not in my job, not in life....DMP looks a quick fix that doesn't solve the problem...which is taking charge of my own debts, taking charge of my own financial plan, and being and to live and learn just what that entails.

But as you have found, you are not going to get a £20k loan at a sensible rate. Forget all the "what could be" and start addressing the reality of the situation.