just called paypal...on my way!

tornadobunches

Hi all...after seemingly endless months of sleepless nights and stress finally have made the phone calls today...firstly to the National Debtline and then to Paypal. Paypal have arranged an advisor to phone me back tomorrow and after that something will be definitely sorted...I have amassed around £45,000worth of debt from a vicious circle of borrowing to live etc during and after a business failure four years ago and it has just spiralled up and up. Both the National Debtline and Paypla were very knowledgeable and efficient and non judgemental and were excellent...I felt nervous and ashamed before both calls, not wanting to discuss my private business with strangers etc but feel better already even though nothing has been sorted for certain as yet...

My wife knew I had some problems but I hadnt really discussed it properly with her or told her the extent, another worry, that she would think less of me etc. Have told her of the implications of an IVA which is what I may be heading towards and she was very understanding and supportive...another weight off...sometimes what you imagine is alot worse than it ever is..

Paypal are calling me at 11 tomorrow morning...so wish me luck! and all the best to you all who are either worried about their debt or are now trying or have taken action...

immoral_angeluk

Do you mean payplan? Thought Paypal had branched out into debt advice for a second there!

Glad everything's on it's way to being sorted!

tornadobunches

yeah sorry all payplan not paypal!!

Willsnarf1983

immoral_angeluk wrote: »

Do you mean payplan? Thought Paypal had branched out into debt advice for a second there!

Glad everything's on it's way to being sorted!

Yeah how to GET into debt by being conned

Will

mullan67

Hi there,

I am new to this today but have spoken to payplan today and they are going to call me tomorrow hopefully with some good advice. At this point my debt is approx £23,136.18. i have included my incoming and outgoings.

Looking to see if anybody could pass on some sound advice, i am in Scotland so my thinking is along the lines of a trust deed, laso i currntly stay with my parents woiuld this have any effect

Monthly Incomings:

My salary - 1054.02
Partners salary - nil
Benefits - nil

Total - 1054.02

Monthly Outgoings:

Mortgage/Rent - £300
Council Tax - £nil
Gas - £nil
Electric - £nil
TV License - £nil
Virgin £18.00
Phone - £30.00
Food - £
Car Insurance -approx £430.00 anually
Petrol - £30.00
Life Insurance £

halfiax credit card £5032.51 apr22.5 pay £100.00 per month
egg card £9901.07 apr16.9 pay £250.00 per month
loan with lombard direct £8202.60 apr 6.4 pay £390.60 per month
halifax overdraft £2000.00 unsure overdrawn to £1990.

Total: £1088.60

Cheers for any help

Willsnarf1983

Mullan, you need to post that as a new post as it won't get that much response on someone elses post

HTH

Will

mullan67

Cheers guy,

Can you guide me on how to do that?

Willsnarf1983

Copy what you first wrote and then go back to where all the thread titles are and then just click on 'New Thread' at the top of the list of new topics

HTH

Will

Dithering_Dad

Phew, I'm glad we sorted out the PayPal mixup, I was thinking there that maybe someone could run up a debt with PalPal, then was worried that I hadn't checked my paypal account in months and maybe it could have been hacked into and a debt run up without my knowledge.

Strange the way your mind works - it jumps from one conclusion to the next until you're in a mild panic!

Dithering_Dad

Hello? anybody there?

hmnn, last poster again then am I?

Wonderful.

susy_2

Dithering_Dad wrote: »

Hello? anybody there?

hmnn, last poster again then am I?

Wonderful.

Hi Dithering Dad, I'm here! :rotfl: