Stupid husband and payday loan rant

Bangton

Wow...what's going good in the relationship to make you stay with him? I'm sure he has good points...he's clearly worked hard for a start but his behaviour is so wreckless. How selfish of him not to realise the impact of his spending on you, financially and emotionally.
As for the !!!!!!, merlot and smoking...I'd tell you to ignore it...if it didn't sound like he does this everyday. As for what you can do? I don't know, someone has to want to change. He knows he's a 'plonker' but wouldn't go for counselling or make efforts to sort himself out. I presume he knows he is hurting you?

Personally, (and this is easy to say on a forum, less easy in real life) I'd be considering leaving. There is no way I could live with someone so deceitful and hooked on spending.

Edwardia

I'm really disappointed to be told that I'm making this up when I'm not.

On another thread a man was supported when he admitted to being a recovering alcoholic, to losing his job then getting a payday loan from The Money Shop and now can't pay it back on benefits. He went there and gave them false information to get money and that's obtaining money by deception. He gets told it's no big deal.

I've told OH he's not getting debit card back and that I want his driving licence. I told him he has to work out the shortfall between the overdraft limit left and bills still to be paid and go ask his mother for it and any other payday loan debt. I have £30 cash in my purse which is enough for veg for the rest of the month and the freezer is half full. He's never getting the debit card back, he's had it for booze until he goes to counselling.

After 6% of gross pay to pension, tax, NI, season ticket loan payment, mortgage, council tax, loan, HP and credit card payments, gas & electricity, water & waste water, landline & broadband, mobile contract for 2 phones, insurance. Food for two adults plus dog plus toiletries and household supplies is a generous £100 pw and we spend less than that and so he's left with maybe £600-£800 a month for DIY supplies, savings, paying off stuff earlier etc.

Hes got no excuse. I'm going to be tough.

KingElvis

Shame you edited your op Edwardia, I could've been able to offer some sensible, sypathetic advice on your difficult situation.

Good luck.

recoverydust

start another thread in a more supportive board
xxx

Bangton

Edwardia wrote: »

I'm really disappointed to be told that I'm making this up when I'm not.

On another thread a man was supported when he admitted to being a recovering alcoholic, to losing his job then getting a payday loan from The Money Shop and now can't pay it back on benefits. He went there and gave them false information to get money and that's obtaining money by deception. He gets told it's no big deal.

I've told OH he's not getting debit card back and that I want his driving licence. I told him he has to work out the shortfall between the overdraft limit left and bills still to be paid and go ask his mother for it and any other payday loan debt. I have £30 cash in my purse which is enough for veg for the rest of the month and the freezer is half full. He's never getting the debit card back, he's had it for booze until he goes to counselling.

After 6% of gross pay to pension, tax, NI, season ticket loan payment, mortgage, council tax, loan, HP and credit card payments, gas & electricity, water & waste water, landline & broadband, mobile contract for 2 phones, insurance. Food for two adults plus dog plus toiletries and household supplies is a generous £100 pw and we spend less than that and so he's left with maybe £600-£800 a month for DIY supplies, savings, paying off stuff earlier etc.

Hes got no excuse. I'm going to be tough.

That was just one person making such a comment. I wouldn't let it bother you however I am sorry you don't feel you have gained the support you wanted. I am empathetic to your situation however from your post it sounded as though he had made no steps to change. Some of his actions were in my opinion wrong..taking your credit card for example and having a letter typed up to say it was fraud or whatever happened (now the post is gone I cannot refer).

I would presume the difference between your husband and the man on the thread who got sympathy for his wrecklessness is because 'man on the thread' posted because he was ready to admit his errors and make changes (I didn't read it so I don't know - I'm summising). Your post sounded like your husband wasn't interested - not seeking counselling etc. We all make mistakes and if steps are taken to rectify that then I have all the sympathy in the world....he clearly has some decent attributes as I mentioned above. For me though I am not going to commend a man whose wife has to take his debit card from him and generally act like his mother to make him see the error of his ways.

It's threads like these that put me off this forum..why post if you throw your toys out of the pram the moment people say what you don't want to hear? Barely anyone had commented before your comments were removed.

Having said all that I sincerely hope it does work out for you both

Apples2

This is a loans forum not the Samaritans.
Simply the wrong forum to post in I'm afraid, nobody has been unkind, but this forum is not the right place to deal with your issues, it started as quite a humurous rant.

cydney65

Try posting on the debt free wannabee board, you should get some support and advice there.

Edwardia

I will finish this rant with a puzzle..

I call The Money Shop and ask them if they ever use Chequeless as a name on card transactions, they say yes.

Husband calls them, claims they tell him last time he was in The Money Shop was September, that he owes them nothing and that they will close account and confirm in writing.

He calls bank, claims they tell him the £250 debit card transaction could be them taking bank charges and they overcharged.

Husband also claims that it could be some sort of fraudulent transaction. This did happen to him some years ago after he bought !!!!!! online <duh blond moment> Twas me that spotted fourteen discrepancies that VISA had failed to.

I bet him a fiver that it'll turn out to be Him, in The Money Shop with his Debit Card and that if so I'll be Miss Scarlett with the Lead Pipe in the Study and he'll never see that Debit Card again..

Husband is taking train to see that popular bank Emergency Mum TLC tomorrow

Was it pornsters or The Husband ? You Decide.

Peelerfart

I would respectfully refer you to post #17.

good luck

PF

tell_it_how_it_is

How about a wee puzzle for you, Edwardia?

Who is more barking?

Your husband?

Or you?

Seriously!