Pay day problem

Beckyy

That's where they make their money I'm afraid.

Don't let ths snowball. You need to pay it off now.

Sell stuff, borrow money from friends/family, cut back on anything you can. Just get rid of it.

Could you go intoa bit more detail on your situation, job/wage etc.? People might be able to give you a bit move advice then.

simon2010

Keep Calm is talking nonsense for this type of debt!

Others are right, sell anything, beg and borrow - get rid of this debt asap.

DMP are for real people in debt, you have just been stupid by the sounds of it.


Good luck, get out of debt with this company. If you try and enter any agreement they will just delay any decision making whilst adding lots of nasty 'extras' to your account.

simon2010

Loving PC Aston's post for his detective work

Well done Sir.

jaydeeuk1

Beckyy wrote: »

Sell stuff, borrow money from friends/family, cut back on anything you can. Just get rid of it.

.

I'm guessing the OP would have tried that in the first place before going to payday, but family/friends knew they wouldn't be able to pay it back. Good luck OP, you're gonna need it.

debtcutter

Deleted%20User wrote: »

It may come as a shock to you but everyone in this country has rights even if they are in debt which isn't a crime, if somebody isn't happy at the way their treated they have a right to express it (in writing means there is a traceable trail of what has been said before taking the mick further) and shock horror, in some occasions this can help improve flaws or clarify just why what has been said on the telephone which as we all know telephone conversations can so easily be denied or distorted.
please OP go and seek professional help to start a DMP

Yes, everyone has the right to express their opinion. Unfortunately, if your opinion is that it's wrong for companies to ask you to repay stuff at the rate you agreed, then it's unlikely to gather much support.

My advice would be to either sell some possessions (CDs, DVDs, TVs, unused bicycle that was bought with good intentions etc) or work out what you're paying for that you don't need (Sky TV, ultra fast broadband, 4.0 litre engine car, gym membership you don't use) and try and cut as much as that out.

When I was wanting to speed up my repayments to loans and credit cards I cancelled sky tv (saved about £55/month), cancelled my gym membership (£35/month) and reduced my mobile contract (saved £15/month). That was over £100/month, which was an awful lot for me back then, it made a huge difference to the amount I ended up paying back.

dharma01

Really upsetting to see people posting their stupid and un-helpful comments on here.

People come on here with real concerns affecting their loves, just because your in a better financial situation doesn't mean you get to mock the decision of others, we ask you for help, if your not going to provide then i suggest you try a different kind of forum.

I'd suggest a DMP and say to the PDL company this is what your going to do, they usually prefer for you not to enter a pdl so they may be able to freeze the interest.

DCFC79

dharma01 wrote: »

Really upsetting to see people posting their stupid and un-helpful comments on here.

People come on here with real concerns affecting their loves, just because your in a better financial situation doesn't mean you get to mock the decision of others, we ask you for help, if your not going to provide then i suggest you try a different kind of forum.

I'd suggest a DMP and say to the PDL company this is what your going to do, they usually prefer for you not to enter a pdl so they may be able to freeze the interest.

No 1 is mocking the OP

Theres alot of advice posted but you may not agree with all of it

DevCoder

dharma01 wrote: »

Really upsetting to see people posting their stupid and un-helpful comments on here.

People come on here with real concerns affecting their loves, just because your in a better financial situation doesn't mean you get to mock the decision of others, we ask you for help, if your not going to provide then i suggest you try a different kind of forum.

I'd suggest a DMP and say to the PDL company this is what your going to do, they usually prefer for you not to enter a pdl so they may be able to freeze the interest.

People need to accept that this is an open forum, although many people have posted useful advice in this thread.

Are you seriously suggesting that a DMP is the answer for one PDL ?

DCFC79

Until the OP comes back and tells us how much he owes we can only give generic advice.

System

I somehow doubt the OP will come back with anything as not heard a peep from them since. Add to this the thread the OP started in december last year (which also went without a reply from the OP) and you come to 3 conclusions:
1. troll
2. the OP is referring to the same pdl, which will now be worth a small mortgage
3. the OP has made the same mistake (despite previous advice given here on MSE)

Either way they have started a good argument here!