Creditors & Their Responsibilities - HELP!!

stateofmind

Wow things have gone a little bit horrible here, I only came here to try and get some practical advice, not for a dressing down on taking out loans I couldn't afford - especially when nobody knows the first thing about me.

It's not that I couldn't afford it when I took it out because I could, but I have been irresponsible with my lending, I recognise that and I am trying to do something about it now to get myself back in the black. Unless you have been trapped in this payday loan cycle it's hard to understand.

I am sorry if that offends any of you

RichGold

stateofmind wrote: »

nobody knows the first thing about me.

We do, you took loans you couldn't service.

stateofmind wrote:

It's not that I couldn't afford it when I took it out because I could.

You clearly couldn't afford them, or else why are you here? Maybe some of the perceived negative comments you received are down to your denial?

stateofmind wrote:

I am sorry if that offends any of you

None taken.

stateofmind

Thanks for your positive input, you know if you don't have anything helpful to contribute I'd suggest you point your browser elsewhere.

This is the first, and now last, time I have used this forum and I cannot believe how unreceptive some of you are. I have come on here genuinely seeking advice and to share my experience - one which I am sure a lot of people are going through as well - and you come in with responses like that.

Well done.

Tixy

To be fair, most of the responses you have had have been designed to be helpful, some are slightly off topic in terms of just discussing the particular company you used.

As with any forum its best to just focus on the posts that are helpful and ignore any others that you feel are not. You will always get a cross section of opinions if you post on a forum.

stateofmind

Do you know what I actually feel a lot worse since I posted on here, I appreciate people have different views but I don't like being made to feel like a debt dodger or anything similar - we all fall into difficulties from time to time and some choose to bury their heads, some choose to try and deal with it. I think I have been quite open on here, more than I thought I would, so to be telling me I am in denial is hurtful if I am honest.

I am pretty sure everyone who uses this forum must not have a whiter than white credit history.

Tixy

I'm sorry you don't feel it has been useful to post - I would have thought that some of the advice you have been given would been very useful to your circumtances.

skintandscared_2

Some of us have tried to help without being judgmental at all

stateofmind

Absolutely skint and I am grateful for all the advice that was both relevant and constructive.

Maybe I'm just a bit over sensitive to negativity at times

I'm only young, I have much to learn I guess!