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In the last few years I have been a huge idiot and coupled with my mental health deteriorating I have had fallen into some issues with my debts. I am trying to be more positive and to get myself out of this hole and others so I want to start tackling this head on.

 

Very £1000

Lending Stream £450 (Received start of CCJ proceedings this morning)

Wonga £600

Quickquid £400

Capital One £1000

Aqua £2000

Vanquis £1000

Credit Union £1000

 

I had gotten to the point where I had to take out payday loans to pay the payday loans I had just paid and it just all came crumbling down.

 

 

My quality of life took a negative turn as I was paying so much interest and barely making the minimum on my other bills.

 

 

I have a family so this compounded the issue and it just broke me down so I just ignored it all and managed to get some help for my health.

 

I haven't really done anything with these debts for the 12 months and some have been passed onto DCA.

 

I don't have any savings I can pour into this so it is going to be a grind, but I will do whatever I can to get out.

 

 

Can anyone help?

Edited by captainfalcon
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Hi captainfalcon and Welcome to CAG

 

If you could start a separate thread in the Financial Legal issues with regards to ...

 

Lending Stream £450 (Received start of CCJ proceedings this morning).......its important to deal with this as its subject to time constraints.

 

The others you will be advised on here.

 

Regards

 

Andy

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list the ones that are with DCA's

and the ones that are still with the original creditors please

 

 

nothing to panic about

the PDL can obv be dealt with via the irresponsible lending route

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

list the ones that are with DCAlink3.gif's

and the ones that are still with the original creditors please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Very £1000 - Now with Lowell.

Lending Stream £450 (Received start of CCJ proceedings this morning)

Wonga £600 - Now with BPO.

Quickquid £400 - Cannot find any information on this.

Capital Onelink3.gif £1000#' - Lowell

Aqua £2000 - Lowell

Vanquis £1000 - Can't find any info

Credit Union £1000 - Talking with them directly.

 

I am still looking for information on the other two and will update it when i find out.

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BPO is Lowells

 

 

so a whole bundle with lowells then.

 

 

forget about the other PDL esp Wonga that can be killed by an irresponsible lending claim to them

 

 

what dates were the takeout of the others

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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