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ebay scam - tip of bloody iceberg

Hi,

I am massively in debt, by about £18,000. If i wasn't depressed enough, i've just been stupid enough to get ripped off on ebay, trying to sell a mobile phone. It has been posted to Nigeria, and i wont get any money for it.

I am such a dumbass.

How can i make £18,000 in 18 months? Any ideas?
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Comments

  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    I've nearly been caught out by that scam too. Hope you didn't lose too much money...
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • davemtaylor
    davemtaylor Posts: 15 Forumite
    yeah, i could of got about 80 quid for that phone. Its crazy, i feel totally used and stupid cause we were sending emails to each other too.

    What a !!!!! i am
  • findingmyownway
    findingmyownway Posts: 1,803 Forumite
    Hi,

    I am massively in debt, by about £18,000. If i wasn't depressed enough, i've just been stupid enough to get ripped off on ebay, trying to sell a mobile phone. It has been posted to Nigeria, and i wont get any money for it.

    I am such a dumbass.

    How can i make £18,000 in 18 months? Any ideas?


    oh dear, that scam is quite common i'm afraid. Have a look at Ebay's info pages on fraud to stop you being caught out again.

    as far as your debt goes, have a look at southernscousers sticky for first time posters and post back here with SOA. We will be able to help but need to know many more details about your situation before relevent advice can be given.

    :beer:
  • davemtaylor
    davemtaylor Posts: 15 Forumite
    I'm now a desperate man. Does anyone actually think begging rich people for money would work? What about selling a kidney? Hell, i'd sell my arm to be debt free. Im sick of thinking about it
  • JET34
    JET34 Posts: 1,144 Forumite
    Hey we all make mistake's don't be so down on yourself!
    DEBT FREE 23/FEB/07 TWO YEAR's!! £2 £1020.00 Banked New total £268+ and counting SAVINGS 3000.00- ISA £30. :j
  • davemtaylor
    davemtaylor Posts: 15 Forumite
    I have posted an SOA before. I get great advice about cutting down bills etc. Doesnt solve the problem does it. Maybe running away to Brazil for 10 years would.
  • Crown
    Crown Posts: 1,377 Forumite
    Hi, Have you posted up a SOA and followed the general MSE advice of budgeting and money saving on the small things?

    If not then post up your SOA and we can offer you some advice.

    As for Ebay and Nigeria well the two things dont go well together ever it seems. Did you post it out before receiving any payment or what? Was it a Paypal scam?
    Official DFW Nerd Club - Member no. 297 - Proud To Be Dealing With My Debts :D
  • davemtaylor
    davemtaylor Posts: 15 Forumite
    yeah. posted it out before payment. Recieved convincing emails to say funds were being held till a tracking number was emailed.

    I have cut down all my bills to a minimum, i have increased my overtime. Still only get 200 quid or less to myself. Yep, i definately think leaving the country is an option. My head has been drained for constantly thinking about debts for last 5 years
  • Crown
    Crown Posts: 1,377 Forumite
    I have posted an SOA before. I get great advice about cutting down bills etc. Doesnt solve the problem does it. Maybe running away to Brazil for 10 years would.

    ok, well running away isnt going to solve anything. With the advice you have received have you been in contact with the CCCS and arranged a DMP? Have the creditors frozen interest?

    Also I never saw your SOA I dont think so dont know your circumstances so please feel free to post it again.

    As for raising £18k quickly its not really feasable in the real world unless you work in a very high level job or a supersalesman.

    If you are going to really do something about the debt then you need to get organised and draw upoa proper plan. If you honestly cant work any extra then maybe BR would be a route?

    THere are plenty of options still available to you. I also heard that Brazil is overated ;)
    Official DFW Nerd Club - Member no. 297 - Proud To Be Dealing With My Debts :D
  • Tashja
    Tashja Posts: 1,214 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Daves SOA from previous thread
    My S.O.A. Any advice would be appreciated cause I feel stuffed.
    Bought house for £145,000 with £10,000 deposit (which was borrowed)
    Worth about £155,000 now. Mortgage lender will only give a secured loan of £9,000. Can’t carry on living with £200/month. It’s a mess

    Own house with partner so I’ve halved bills

    Outgoings

    Yorkshire Water - £15/month
    Life Insurances - £23/month
    Buildings Insurance - £26/month
    Atlantis (Gas + Elec) - £35/month
    02 - £35.00/month
    Virgin Media (tv/phone/broadband)- £17.50/month
    TC Licence - £34.14/quarter
    Food - £100/month
    Council Tax - £55/month

    £16,000 Northern Rock Loan (in father’s name) - £226/month - over 7 yrs
    £70,000 Halifax Mortgage - £365.5/month over 34.5 years (5.25% fixed for next 18 months)
    £1,500 Secured Loan - £71.20/month (24 months)
    £500 Capital One - £15/month
    £5,000 AA Loan (in mother’s name for house deposit) – £57.50/month over 5 yrs

    Total Outgoings - Approx £1000/month
    Total Income - Approx £1200/month (after Tax + Insurance)

    Thanks

    Is this up to date Dave or have you made changes to it already ???

    T xx
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