Wonga Advice

Lgas

Wonga have always done exactly what we've agreed when I was in a repayment plan with them..and I was stuck in a Wonga spiral from December 2011 to last month! Feels good to finally get rid of them, if you're anything like me you'll never want to touch credit again!

NHS_worker_bee

Good work. I've been there with payday loans, managed to get out of the spiral by making some big lifestyle changes and I was then fortunate to be able to pay off all the payday debt with my income whilst putting my outgoings on a CC, I'm still paying off my other debts but I am completely free of the spiral of payday loans and I would never ever go there again, I still feel sick when I think of the pickle I was in. I find that horrible sick feeling very motivational if I ever start feeling sorry for myself - I'm in a much better situation than I was this time last year and I use it to remind me why I'm still putting every spare penny towards being debt free.

Lgas

^ Absolutely agree with this, i've been in tears over my debts before, it's a horrible, panicky, miserable, desperate feeling. Biggest change in outgoings? Quitting smoking! I've saved £760 since December 12th Now all I have left is my credit card, which i'm going to throw spare money at like no tomorrow, and cut up! (should have done that already).

NHS_worker_bee

^ Thanks Lgas. I didn't join this forum expecting sympathy but I love the supportive vibe I've got from other posters. It sounds like we are both in a better place these days and now I'm not ashamed to talk about/deal with debt, I too can throw all my spare money at remaining debt. My CC is now in the freezer in a block of ice (a tip I picked up on this forum) so I won't ever be accessing that in a hurry. A year ago I would have thought that was extreme, now it seems totally logical. Big Well Done on quitting smoking, good news all round.

Itazura, there is a light at the end of the tunnel