Should i get a wonga loan

kindofagilr

Prob am going to get flack for the but I agree with OP in not making one child go on packed lunch, I don't know how many times summer has to say it, so please no one else tell her to put her son on packed lunch!

summer33

sacha28 wrote: »

:wall::wall::wall::wall::wall::wall::wall::wall:

Why why why why why why???? Why on earth do you need one in 2 rooms downstairs?

Your son likes hot dinners, that is the short of it??!! He is 10, YOU TELL HIM how it goes down, not the other way round. He can have a hot dinner at tea time, cheaper packed lunches at lunch time.

For goodness sake you will only get yourself further into trouble with this stupid attitude of yours. See you on the BR board, I'm done trying to give you the reality when you clearly have your head stuck firmly up your own backside.

Wow how rude of you, you horrible person. :eek:

I know a lot of people will not like this, but I am sick of being judge and just cos I havent sat back and agreed to every comment and said yes sir no sir.......i have simply commented were I know can make the changes........

Unlike yourself Sacha28 selling every asset you had to take the DRO rounte out of your debt, I am prepared to fight for what I have now....looking to get extra income were I can and see if I can find another way out, and pay off the debt we got ourselves into.

I understand it will take years, but so be it....took years to get into debt, so does take years to get out.

mothershipton

hi, just wanted to say well done on not going down the wonga loan route. I hope you never find yourself tempted by them.

Things do seem to be getting personal about the xboxes and school lunches. I think i agree with the op about there not being much point getting rid of one. She wouldnt get very much to help with the debt. Perhaps just using one would help with electricity bill

About the school lunches, your son may find dinners at his secondary school very different. Most kids have packed lunches as the cooked ones take ages to get and are really expensive!

I would also disagree with one of the OP points that 10 is too young to find out about debt. Its lack of knowledge that ends up with them wanting designer goods etc which with the impending teenage years gets more intense.

We've always been quite honest about money and haven't attached much importance on things. My two boys, 21 and 16 are now quite good at spotting a bargain and researching a good deal.


Ive gone off topic but just wanted to show a bit of support for OP

summer33

matttye wrote: »

People have posted 'good positive advice' but you're not ready/willing to take it.

You have debts. You need money. You have assets. If you sell those assets, you'll get money, which can then clear some of those debts. You can also cut back on expenses to free up some extra money.

It's clear what you need to do - sell stuff and cut back on stuff. People have posted this but you've responded with a bunch of excuses.

You're wasting your time and everybody else's time when you're clearly not in the right frame of mind to do this.

My last post in this thread. Good luck with it.

Exactly maybe I am not willing to accept it now, I have said I dont know how many times, I am going to try it myself before I go down the route of selling the things that mean the most to us.

Yes I am cutting back....( dont know where you missed me saying that, as am sick of saying it ) Yes I am selling things, just not the things people want me to sell......so yes I am wasting peoples time....sorry bout that, only wanted help and advice on a wonga loan as never took one, didnt realise it was a site, that if you didnt agree or take the advice, people turned on you:mad:

Yes I posted my SOA for advice, but just cos I have not said yes ok I sell everything people have turned nasty.

summer33

mothershipton wrote: »

hi, just wanted to say well done on not going down the wonga loan route. I hope you never find yourself tempted by them.

Things do seem to be getting personal about the xboxes and school lunches. I think i agree with the op about there not being much point getting rid of one. She wouldnt get very much to help with the debt. Perhaps just using one would help with electricity bill

About the school lunches, your son may find dinners at his secondary school very different. Most kids have packed lunches as the cooked ones take ages to get and are really expensive!

I would also disagree with one of the OP points that 10 is too young to find out about debt. Its lack of knowledge that ends up with them wanting designer goods etc which with the impending teenage years gets more intense.

We've always been quite honest about money and haven't attached much importance on things. My two boys, 21 and 16 are now quite good at spotting a bargain and researching a good deal.


Ive gone off topic but just wanted to show a bit of support for OP

Thanks

I have gone off the topic too now, and think I may give this whole forum a miss really, as you cannot have opinions without someone jumping down your throat. People only know snippits of my life from what I have posted and been asked, they dont know the ins and outs.

sacha28

I am most definately not horrible, just a realist. I make no apologies for any of my posts, having been where you are I think I am well placed to do what I did first..offer advice and then secondly......give up when it's very clear that you are more than happy to languish in debt and do nothing to help yourself.

Sure, what you say is true, it takes years to get into debt but I disagree that it has to take years to get out of it. When my LBM came and hit me in the face I knew I would do ANYTHING to sort out my mess as quickly as possible. 14 months later we are debt free. The help is there, you just need to take it.

So you saved £20 with savvy shopping but what else could you save if you just CONSIDERED the changes everyone has advised? Approx £142. So a prospective £162pm saved towards mortgage arrears or CT arrears. And that's not even with you selling the caravan!!!

So do you see why people are getting frustrated and posting 'rude' messages? Nobody is asking you to be a 'yes man', but you won't even consider the advice. You are defensive because, on some level, you know people are right.

haycorns

Summer hang in there. You have taken on board a lot of afdvice and are making progress. Ignore the peopl who are shouting at you. Suggestions are just that - you can take them or leave them. Take up the ones that work for your family now, and put the others in the back if your mind for when you are ready to take the next step. Be proud of your progresss- you are off work sick for goodness sake. You deserve to be treated nicer that this. You have resisted the payday loan , which is what you came here to seek advice on. Take a day or s to take it all in , then come back and re-read , or read someone elses thread where it isn't so personal.

Pepperoni

summer33 wrote: »

Unlike yourself Sacha28 selling every asset you had to take the DRO rounte out of your debt, I am prepared to fight for what I have now....looking to get extra income were I can and see if I can find another way out, and pay off the debt we got ourselves into.

Bit of a niave comment. Sacha selling her belongings was her fight to get out of debt. A lot more admirable than the route you're going to try and take. Your extra income will first go on the boys school lunch then the caravan holidays.... You get the jist I am sure.

summer33

haycorns wrote: »

Summer hang in there. You have taken on board a lot of afdvice and are making progress. Ignore the peopl who are shouting at you. Suggestions are just that - you can take them or leave them. Take up the ones that work for your family now, and put the others in the back if your mind for when you are ready to take the next step. Be proud of your progresss- you are off work sick for goodness sake. You deserve to be treated nicer that this. You have resisted the payday loan , which is what you came here to seek advice on. Take a day or s to take it all in , then come back and re-read , or read someone elses thread where it isn't so personal.

Thanks Haycorns

I know I am making progress, no matter how small it is. I am going to ignore the people that are shouting and saying the same thing over and over.

When I posted my 2nd SOA it clearly showed us in a much better position financially if we were not in debt to the C/Tax and water and mortgage.

In total at the moment I am in arrears with the priority debts approx £1900. Yes selling the caravan would clear that, but we still would owe 15k of debts. This is mortgage 1300, c/tax 400 and water 188.

Now all of these debts are in agreed arrangments with each of the people we owe the money too. The council tax have been helpful in the arrangment, the mortgage company are not going to go for possession, as we have been and will stick to the arrangment. The water has gone to ccj, but again arrangment in place. None of these debts are threatening the loss of our house, or for me to be in a position to go bankrupt.

I firmly beleive that these arrears agreements can be kept to. On my first SOA we were short by £111, By cutting the shopping and trying best to reduce elec and gas bills, which I have been doing, plus x1 Dinner money reducing, plus anything I can sell, this will be manageable. Plus if can move the boys schools will make savings as soon as possible with fuel there.

Yes I was going to get a wonga loan, as was at the point the other day, of what am I going to do, but coming on here, some advice was good and knew I can change.

Some people have got me down as going to be bankrupt and losing everything...that is certainly not going to happen. None of my debts are to that extent.

Thanks for your comments though ..appreciate that not everyone is against me for some decisions I am making

ace2base_2

Summer,


I honestly don't think you'll receive better advice then you've received here. No one is judging you or deliberately trying to upset you. Although some have got frustrated - it's only through bitter experience.


The problem is when you receive advice that directly contradicts a firmly held belief or decision, it's very very hard not to take it as a personal attack.


An impasse has been reached because you have not accepted how serious your situation is. Although, as others have said I believe you are close. I also think you are missing the hope and belief that you can take control and completely turn things around.


Please don't accept a lifetime of debt made bearable by having a caravan as a treat. I urge you to utterly smash your debt any way you can.


I wish you and your family all the very best!