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[Deleted User]

skintandscared wrote: »

Another poster (with a payday loan from another company) has just posted that he's been charged £141 for "attempts" to take money from his account - 47 attempts at £3 a go... :eek: )

I feel like a broken record say this, but that should clearly be illegal. £3 a go. Ha ha. :-)

indebtindevon

KingElvis wrote: »

^^ if you do nothing else today op, read the advice from Tixy above and make it so.........

Done. Thanks

RichGold

tonythetiger69 wrote: »

@CHR15, people like you get on my nerves! What do you mean, "how could such a change of circumstances occur where you could definitely repay it to not being able to in 7 days??"

If you actually read the OP's first post he says he borrowed the money with no real opportunity of paying it back. He borrowed around 3 times more than he had coming in in two weeks, to be payed back this week.

tonythetiger wrote:

Not everything you borrow has to be paid back.

You're right. Like stealing you mean.

ExNicotineQueen

OP don't keep us in suspense - what happened?? Did the payment bounce or was it taken?

Apples2

Tonythetiger- have you actually read ANY of this thread?

Your post saddens me that people really can be so stupid.

fozmcfc

I not normally that sympathetic towards people, who borrow payday loans and then come out with the excuse of "unexpected change of circumstance", when it is clear they never were going to pay it back.

However, I think the OP knew what they were doing all along, but at least they haven't tried to cover it up, with the usual "unexpected change of circumstance" line.

As I have already said, I hope the OP goes over to the debt free wanabee boards and starts to get themselves sorted as they said was their intention when they first joined.

Fair enough if the OP is back in 6 month or a year and has done the same or similar, maybe there is no point in giving them advice for it to fall on deaf ear. But in this instance the OP I believe knows they can't carry on as they are and really don't need telling again and again by people on this thread.

RuthnJasper

indebtindevon,

Just wanted to say best wishes to you. I know what it's like to be penniless and frightened. But PLEASE stay true to your word and use this as your "never again" lesson. If you don't, things (as you probably already know) will just get worse and worse and opportunities to resolve these situations may become more few and far-between.

Good luck. x

indebtindevon

Hi,

I'm back with a quick update.. I spoke to CCCS and they suggested ringing the JSA and getting my benefits payed via a giro, Which I have arranged.

With regards to an overdraft facility, my account doesn't have one.. I hate this situation, being in debt is a crippling lifestyle and one which has got to be changed.

I'm am about to go over to the debt free board and get acquainted, I have alot of things I need to learn in order to run my finances in a proper fashion once I have sorted out this debt.

One thing they don't teach you at school is how to be wise with your money!

skintandscared_2

Personally, I think there SHOULD be lessons in school on finance, APRs and how to budget a monthly allowance. God knows it would have stopped me making a lot of mistakes!!!!

Glad the CCCS have been able to help you at least sort out how to keep your benefit money.

The debt free wannabe board has, I think, literally saved my life. I examined my utility bills and literally shaved £200 off my direct debits in one day with an hour's phone calls. Knowing where and when to buy food - and menu plan so there's no waste - can save you a huge amount of cash. Cutting back becomes addictive and the first month you still have a tenner left in your purse/wallet is the biggest buzz!!! When my OH and I needed new passports I set myself a challenge to find the money in the flat. I ebayed like crazy and found every piece of loose change in the flat. Ended up making over £700 - enough for the passports and flights for the actual holiday!!

Taking control has to start somewhere and it'll take time to get rid of the debt completely. I'm 3 years into a DMP and still only a third way through, but every payment is a step closer. The confidence you gain from getting in control is immeasurable. It could spur a new enthusiasm for getting a job and clearing debt so much quicker. Good luck to you.

MorrisonsEmployee

indebtindevon wrote: »

Thanks for any info, This is urgent.. I will never borrow like this again!!

I can understand why you needed to borrow the money so quickly but the fact is that even if you wanted too you will never be able to borrow like this again anyway. Once lenders [Including PDL lenders] see a defaulted Wonga loan they will reject instantly any sum you attempt to borrow.

Hope you manage to get things sorted out!