i really need help, please

suchamess

I am a student with Nhs and put myself in mess of 3 pay day loans which are as follows:
quick quid-195
wonga-460
payday uk-325

I thought very stupidly that I can just rollover every month and pay them off later but that was one of very stupid things I did.I contacted cccs but they keep telling me it will take up to 1 year for me to pay of as the took into account my overdraft of 500 and credit card of 250.I dont pay charges of my overdraft so I dont really think i need to worry about that now as priority will be payday lonas.I want to set up pay plan with them to offer pay 60 pounds to each of the leanders.Please can someone advise me how I can do it.I dont want to avoid payments I want to pay it off but also I have read they will attempt on each possiblity to take money from my account which will be natwest.I have simple account with llloyds and was conisdering putting my bursery there of open account with co-opperative.My husband knwos about my mess but because of my stupidy says its my mess deal with it.Can someone please help me.My payments are due to wonga on 16th of june quick quid on 15th and payday uk on the end of month.
THANK YOU or shall I go and set plan with cccs?
i am sorry if that post is mess but i am mess myself and my husband keep syaing you will fail tp pay the bailiffs will attend home
PLEASE HELP!!

DevCoder

First, well done for starting to look at the problem, it might get harder before it gets better but it will get better.

I would go with CCCS advice, have you tried contacting the PDL companies to explain?

PS : Your husband sounds charming, marriage is about helping each other and being there for one another.

CLAPTON

what income do you have ?
what limit is there on the OD?
what limit on the CC?

suchamess

Hello thank you very much for Replay. I have income of 800 a month which is my bursary as Nhs student we get pay monthly. I have overdraft of 500 and the limit on my credit card is 250 . Is the long way with cccs ? I have not contact payday loans as yet but I consider that I was not sure I should do it or wait for cccs. My husband just keep saying that they will come and take all our stuff from home. Thank you

suchamess

Also cccs require statment from pdl can I just print them off from website? Sorry for daft questions but I am not sure and really want to solve that and pay that off

Vikipollard

The first thing you need to do is make sure your bursary is paid into a completely separate account. Then you can sort which way you are going to go with it (CCCS or sorting a payment plan yourself).

Please do this straight away, or you will find that the PDL companies will simply take the money from your account when it is due anyway. They are far more likely to listen when they find they can't access any funds.

Unfortunately your credit file will be trashed whether you go with CCCS for a payment plan or negotiate your own way, but not having access to credit is a very good way of learning to live within your means. It was for me anyway!

CLAPTON

although they are a major concern to you, your debts are relatively modest

it seems a shame to trash your credit files for such sums

is your husband able to help financially or is he simply unwilling?

do you have family that can help?

by being extemely fugal is it not possible to pay one PDL off completely so you have a little breathing space?

chesky369

I think you should re-contact CCCS and do as they advise, even though you don't want to. After all, they know much more about debt than you do. Of course they have to take your overdraft into account; didn't you realise that your bank can call in any overdraft without warning at any time. So any repayment plan must take this into consideration.

iolanthe07

I agree with Clapton - these pay day sums that you owe are trifling so try not to panic; a grand would see them off. Could you not get a parent or your husband to help?

suchamess

Thank you. No my husband refuses to help me due of me not telling him. My familly can help either. I am really grateful for all comments but I have rollover all this payday loans for past 3 months and this month I need to face reality of not being able to meet repayments. I have just contacted cccs over the phone and set up dmp. I understand it will mess up my credit but at the minute I just want to pay all my overdraft and loans off and hae fresh start in next 7 months . I also funded cccs very helpful over ten phone and I am really glad this forums exist as well for support.

redfox

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