Pay day loans should be banned !!!

ciscokid

BAILEYS6904 wrote: »

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??

Kick a man when he's down, I hope it makes you feel good.

Yet again, the second I can prove anything beyond all doubt, everyone reacts with hate.

Blobby8_2

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...

Stop concerning yourself with others, concentrate on your family and yourself, face it, no one is going to dig You out, its up to you, it will be hard but if you apply yourself, you can do it.
You will get help on here and from others but not until you realize there in no easy fix.

Watalie

ciscokid wrote: »

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!

Actually - and I am more than happy to admit as I did in a previous post that of course the math adds up - you would have lots more disposable income but...

The bank do not trust you enough to lend you money. It is that simple.

BTW - am also happy to post the contents of the pm's for everyone to see.

ciscokid

ILW wrote: »

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.

The reality is that i don't want another 5 years like that last, and I don't want anyone else but myself to be the ones who clear my debts...if some moron can borrow 25k to !!!! away like a clueless turd then someone somewhere should take me seriously. Theres £6000 to be made in interest for the bank. They turn down £6000 a day thats £2 mil they are turning down each year....

BAILEYS6904

ciscokid wrote: »

Kick a man when he's down, I hope it makes you feel good.

Yet again, the second I can prove anything beyond all doubt, everyone reacts with hate.

Its not hate, its frustration. You arent listening to anyone, you kick out at other people and expect them just to take it and adopt a 'poor you' attitude.

And kick a man when hes down? I worked damn hard to get to the situation I am in now. I'm a single mum. I didnt have your income. I had to sell my house at a ridulously low price cos I couldnt pay the mortgage or repair the boiler, and wasnt going to have my child cold. My ex got me in a mountain of debt, which I have worked my backside off to get sorted. A bit of clever budgetting, the right attitude and graft gets you out of a situation like this, not whinging on and blaming everyone else apart from yourself.

A loan is not going to help you, you cant get one anyway, stop living in the past, or doing the 'i could have....', cos you didnt and its past. Look at the future and how the hell not to get yourself in the same or worse situation again

ciscokid

Watalie wrote: »

The bank do not trust you enough to lend you money. It is that simple.
.

This is simply not the case. The bank have just simply refused to listen to me. I can not pass the credit test, thats all they rely on. They don't want to look at my figures, they don't want to look at my banking transactions over the past 10 years with them, they take a quick fix "computer says no" approach...

This is the same fool proof method that allowed me to take credit for 4k 10 years ago when I had no job (no job, but credit record was good! sheer lunacy!) Please stop saying the bank don't trust me, you're giving them too much credit for actually bothering their !!!! to do anything about helping me.

rustybucket

Cisco I've seen this before with someone I know with a MH diagnosis.

You will not understand the clarity with what people on here are telling you as your mind is elsewhere. Get your meds reassessed.

ILW

ciscokid wrote: »

The reality is that i don't want another 5 years like that last, and I don't want anyone else but myself to be the ones who clear my debts...if some moron can borrow 25k to !!!! away like a clueless turd then someone somewhere should take me seriously. Theres £6000 to be made in interest for the bank. They turn down £6000 a day thats £2 mil they are turning down each year....

The reality is that if you just keep focusing on this £20k loan (which you are not going to get) the next five years will be no better than the last five. There are things you could be doing now but you do seem completely obsessed with how the system is treating you badly, and getting nowhere because of it.

ciscokid

No thanks I had my LBM™ as far as meds are concerned...can see a bit more clearly now rather than being drugged up like a zombie, it was also far too easy to gamble on meds, that isn't the case anymore.

All of this is going to serioulsy start destroying my employment very soon...how would I even pay a DMP without a job??

Yes I can't see past the loan scenario because I can not see past common sense...

SaverT

I see the irony in this but...

Please stop responding to this person. You are wasting your time, getting wound up because you are talking to a brick wall and he will not take any sensible advice given. Everytime someone responds is one more reply on it's way from him. 200 angry self deluded posts in a week is enough.

The longer he continues to rant on here, the longer it will be before he HAS TO change his thought process. We are giving him an outlet to continue avoiding the very obvious reality.

Is it not possible for someone to be banned from the site? This person is harming a lot of others (hijacking threads, dodgy advice and begging) and is clearly getting no benefit themselves.

Please stop replying, please ignore him and mods please ban him