On the Edge with Debts

dancingfairy

O.K so maybe you should update your debts list again so you can see what's what. Start making a plan with who you're going to pay and when.
df

elvis2003

heyboots wrote: »

They don't let you back in when you self exclude. My friend took her son round the casinos and he asked to be excluded.

You are right there will always be other places but start by limiting your opportunities.

Hope this helps!

Yeah I did go the casino weekend and ask to be self excluded. But as for bookmakers it would take me all year to get round them all to do it. So i plan on staying out and away.. All my internet accounts are cancelled also. Thanks

elvis2003

dancingfairy wrote: »

O.K so maybe you should update your debts list again so you can see what's what. Start making a plan with who you're going to pay and when.
df

List 1
Phone Bill - Tmobile, now passed to Fredrickson/Brain carter last i heard = asking for £700
Aktava cap- 350
Aktava Cap - 1000
Money Barm - 8500- had CCJ for this
Black Horse - 3000 CCJ for this.
Cap one, now with someone else- 700
Aqua- also with someone else- 500
Wageday advance - with another DCA= 350
WOnga - 500
Speed loan- 500
Cash store - 800 - due payday this month
Cash convertor - 250 -due payday this month
H&T - 400- due payday this month
Cheque centre - 230 - due payday this month


Ok so list 1 - my plan tonight when i get home from work is speak to a debt charity and see how they can help with all this
I have changed my wages to another acc, so they wont be able to just take it all come end of month.


Prob others to but really cant think of which still chasing me..

List 2 -

Girlfriends mum took 2k loan i pay 100 a month on this and i do pay it. - need this month-- Use 100 wages end of month for this
Girlfiriend got payday loan which i failed and they chasing here for - 700 - will wait- Paid this now
Friend 1 = 500 - need to pay this month- has wrote it off till i am sorted
Friend 2 = 300 - need to pay this month - will pay out of wages this month
Friend 3 = 200. - need to pay this month - will pay out of wages this month

Friend 4 = 500 - paid
Friend 5 = 1500 - will wait
Brothers car= 1500 loan in total off auto money have already paid them 2 payments of 250 each = 500 and still the loan is 1500, next payment of 250 due this month. the 20th - need to pay. Paid today
Mum and dad 350 - need to pay - paid 100 off- will pay 250 at end of month

List 3
Can even think really now.
Do have other bills, Gym 2 missed payments. A parking find and a speeding fine also... Need to deal with all these payments tonight

I have a car through work which comes out my salary before i get it- so it leaves me with 1140 a month...

This is how i have things up to now, prob need to sit down again tonight and go over everything once i get out of work- after spliting up was bit down over weekend and couldnt get as motivated as wanted to sort it all... Will do tonight

elvis2003

Payday tomorrow its going to go in one hand and straight out the other.

barbarawright

How are things going, Elvis?

Leew1231

I have, correction had a friend like you. It isn't just the money you take that hurts, it will hurt them seeing you go down this path. None of them will trust you with money, ever.

His parents passed away, he fluttered away his inheritance. His mum knew of his problems and left the house to him and his brother, his money was to remain in trust and could only be spent on the purchase of a house. He tried every way he could to get access to the money. I don't know the ins and outs but he found a way, but he had to have his brothers permission. His brother refused (in my friends interests) and he has since fallen out with him.

Sorry to be blunt but this is the truth. I know another ex friend. He was a very promising sportsman and performed for his country. He was kicked out of 3 top organisations where he was a very good salary plus bonuses over his debts. Last I heard he is a scaffolders labourer. So sad for the opportunities he has wasted.

Your primary concern right now is not the 3.5k to friends and family, it is to stop gambling. As others have said get help. If you admit your problems to your friends and family they will be relieved in the first instance and will probably accept a delay in being paid back.

I sincerely wish you the best of luck.

elvis2003

Ok its hard to say were I am up to.

List 1 is still all outstanding, But i have checked my credit file and most of the payday stuff is not on their however my credit file is in bad shape.....
and i am getting constant calls- from the 3 payday loan companies i did not pay at the end of July
Cash convertor
Cheque Centre
H&T

As for list 2...
700 paid to my GF so she has now cleared all her payday loans
300 paid to one of my friends.He's cleared.
100 loan repayment to my GF mums paid
1800 paid to get my brothers log book back.cleared
350 paid to mum and dad

I still owe -
Friend - 500
Friend - 250
Mum and Dad-100

As for list 3
I have paid £80 for speed awareness course and paid my parking fine.
I have also brough my gym membership up to data and have been back in the gym every night keeping occupied.

At the end of the month I will have to pay my wages out again and try to jungle a few things.

elvis2003

This is roughly how my credit file from Equifax reads.

Can anyone help me with this, Bear in mind i have buried my head in the sand for years, i have no chance of getting a house and things like that now.

Loans Outstanding.

welcome Finance - default date May 2009 - Balance £4467 - Current balance now £8181

Caboot - Default date Dec 2007 - Balance 439

Caboot - Default date July 2007 - Balance 393

Apex - Default date Oct 2007 - Balance 2498 - Current balance 2634

Registered

---

Court

---

Amount
Feb 2011

---

Northampton

---

792
Aug 2010

---

Derby

---

2875
May 2010

---

Cheister

---

8684
Nov 2007

---

Liverpool

---

2848
Sep 2007

---

Northampton

---

258

I am pretty sure the Derby and Liverpool one was for the same company.

I have heard things will go off my file in 6 years so the ones from 2007 should go off by next year if this is correct- any help or advice from people would be great..
Also the paydays loans don't seem to be on their..

Should i post this as a new thread?

dancingfairy

First off there are 3 credit reference agencies -Experian, Equifax andCall Credit. Some organisations credit cards/banks will report to one or another, some will report to several I believe. Therefore 1 will not give you a true picture.
How do the debts on your credit file relate to the debts you know about? Do you know who all the debts on your credit file are to/for?
Defaults will fall off your file in 6 years, yes that is correct (although I make 6 years after 2007 to be 2013?). Companies have 6 years to take you to court I believe and once they have a court order they have 6 years to enforce it - bailiffs etc etc.
You will need to let the CAB/National Debtline/CCCS know about all your debts when you draw up your arrangement.
Um not sure what else you wanted to know?
Best of Luck
df
P.S I should have said well done - it sounds like you have got off to a really good start. If you continue to stay away from the gambling and carry on with the money management as you are you will soon get things under control.

dancingfairy

I would get yourself a new basic bank account and get any benefits/wages paid in there as soon as possible. Prioritise rent/bills like gas/electric, food etc and see what you have left to offer your creditors. Have you done this yet? A thorough budget called an SOA would help you see the situation more clearly - there is one you can fill out at makesenseofcards.com website and post it on here.
Secondly you need to consider something like a debt management plan - this is where you take what income you have 'spare' after your esentials are paid and split it between your creditors.
Best of Luck
df