A Payment A Day - The Lucky 13th Chapter!

mrskro

New to MSE but would like to join the PaDers club and have made my first Pad of £2.20. This is going to Very!!

Victoria_Ke

Hello, £91.27 today to the cc.

Time_to_face_the_music

Good morning everyone :hello:

The total for Wednesday 24th October is a super £207.75 :j

Great PADding! :T

Running total for October now stands at £19,075.47

Time_to_face_the_music

It's payday :j

and back with my own PAD, split between all creditors plus the last payment on a BNPL, of £1935.64 :T

Welcome to mrskro, it's great to have you onboard :hello:

Have a super day everyone

LunaLady

£6.50 for me please TTFTM.

sashanut

Hi all:j

Couldn't get on the computer last night to PAD:mad: - so popping on early to do yesterday's PAD - £319.60 refund to M&S cc plz TTFTM - tkyou!!

Will be back later to contribute to today's total:D

rachyroo1985

£3.03 paid into Next today!!!!! Hooray for PAD. XXXX

newmum1

Hi all only a small pad today £2.00

Yesterday I awoke to find a note from my neighbour asking me to call round, she is a pensioner so I thought maybe she has injured herself, I went round and she asked me to take out, (yep youve guessed it) a provident loan for her of £500 for her as she is on her last chance as the mortgage is due out of her account today and her payday company had cleared her account out.

I explained to her in not so many words that I am not in a position to take out a loan for her and gave her the contact number for the credit union. She said that she has already tried them alongside other payday loan companies, her children, her mother and her companion and all the other neighbours.

She did not seem to want to take no for an answer I went home and agreed to call the provident rep. I called the rep and explained that I do not have an income and it would be irresponsible of her to loan me this money. She agreed, I asked why she wont give my neighbour a loan and she told me that my neighbour already has 4 loans and is struggling to pay them back. I then ended the call.

I think that my neighbour put me in an awkward position and has overstepped the mark again previously she asked me to take out a payday loan for her which I declined. Her family will not lend her any money as they know that she does not pay it back.

The funny thing is Im trying to become debt free not increase my debt for somebody else who appears to be in a destructive cycle. The funniest line she said to me was how would I feel if I lost her as a neighbour if her house gets reposessed...........I mean come on I'd live wouldnt I, I just cant believe she tried to put her debt and worries onto me.

JayJay14

Newmum, I think what your neighbour has done in asking you is unforgivable - she is not going to be able to pay you back is she! not if she can't pay her own loans. The same thing is only going to happen in a few weeks. In truth repossesion could be her way out, possibly rehoused with some equity to pay off her debts. Don't even think about giving in.

Mini PAD of 28p to the change jar for me today.

Time_to_face_the_music

Hi newmum1 :hello:

I agree with JayJay that your neighbour should not even think of putting you in this position, she just has no right to do it, but she really does need some financial help.

Could you leave her a note suggesting she contacts CCCS or Payplan for some independent advice, or even calls in at the local CAB?