Debt Free by 21 With SOA Including Help make sense pleasee :D

Jenny0050

1. I totally agree with ellesbellesxxx -pay off what you owe first before you get yourself in even deeper.

In the future, if you do obtain more credit- DON'T use payday loan companies!!! Learn from your mistakes- how much did you originally borrow from Wonga (about £300-£350 ??) and now you are having to pay back £961!! If you can't afford to pay back a payday loan in full when you get paid (and also leave enough left to live on) then they are a VERY expensive way to borrow money!

2. To me it sounds like you are getting a good deal by living at home- but £200 a month fuel (i.e. 25% of your income) is a lot to pay- so I would suggest always keeping an eye out to see if there is a job closer to home. Or what about boosting your income- is there any bar work going or something similar close to where you live ??

asparagus1968

sweetipie92 wrote: »

Problem is i want to be able to obtain small amounts of credit after paying off wonga.com so i can then start building my crediit rating up

no,the problem is
1.,they might not agree to what you are offering
2.if you don't get sorted you won't have a credit rating!

please listen to the advice on here,people are trying to help you.
also,you cannot afford £20 a month for a holiday!!!

good luck to you.:)

sweetipie92

Little update! i cancelled the vanquis credit card application! decided i didnt wanna take more credit! ive setup payment plans with Captial one, Barclaycard , Wonga and Lloyds tsb! Feel so happy!!!

sweetipie92

Hi guys,

Still in the crap with debts and haven't started anything yet! just want the courage to ring CCCS to get a debt management plan going! i am so low in self !!!-teem atm!!

Please can someone give me any advice on how to just go at it easier

asparagus1968

re-read previous advice given to you?

what is your "soa" looking like now?

keep posting,help is always forthcoming on MSE!

Heffi1

The answer to your problems is to stop looking for an easy way out of the mess you have created, you have been given lots and lots of advice for at least 6 months and you have chosen to ignore every last piece of it.

When you have had your true light bulb moment, then and only then will you be able to sort this out.

While you are still looking for credit instead of paying back what you borrowed you will never get yourself clear.

I know that is harsh, but I really do not think you have been listening.

Or maybe people have not been telling you what you want to hear. Go back to the first post and read all of the advice one more time, and pay attention to your replies, because each of them is asking for more and more ways to get credit.

Sorry tough love time, you cannot get more credit until you pay back what you owe.

Allypops

Dealing with debt isn't easy, but the longer you leave it the worse it tends to get. YOu said you are trying to get the courage to phone CCCS. Have you been to the CCCS website and completed their on-line Debt Remedy. You can then choose whether or not to proceed with what they advise.

Good luck

ferox666

according to your budget you should have a healthy surplus each month. where on earth is all the money going that you need to then take out payday loans etc?? You need to accurately work out where you are spending the money and getting into this mess.

sweetipie92

Woop!! Ive just signed up to CCCS!!! waiting for pack to come in the E-Mail!!!

asparagus1968

That is good news,i hope you stick to the plan/advice they give you.

Good luck,keep posting:)