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  1. Well a little bit of background Info in a period from 2010-2014 I got caught In the payday debt spiral like many others did I would often move from one lender to next In a desperate attempt to try and make my month salary meet my everyday commitments, I eventually got out of the trap but not without a big impact to my credit score and mental health (I found myself to scared to open letters and ans phone calls I even changed email address to avoid dealing with the problem) I realise this was a stupid thing to do but believe this may have been caused by a mild form of depression caused by the stress of the situation. I would often feel intimidated by these companies and would agree to repay amounts I couldn't afford when trying to get then to agree to repayment plans, I even had a period when I went on holiday with my partner where I would have mild panic attacks when my phone would ring as I knew my mum was staying at our house looking after my young son and was worried one of these lenders had rang her or had sent a collection agency around. I have since started on a DMP with step change and started to get back on my feet, I am annoyed with myself for not acting sooner but honestly didnt have the confidence to deal with the issue and at the time I was mentally a mess unfortunately this resulted in me getting 2 ccjs one that should have been statue barred and one (uncle buck) where a defualt hadn't even been issued but because of my mental state I just wasn't in a position to fight these, I have however kept up with the repayments and both will be satisfied in next few months. I have recently learnt that a number of these loans will have been classed as irresponsible lending and to begin with I just passed it off as not worth the fight (again scared of potential outcome and maybe being forced to repay more effect my dmp ect) but on Sunday decided I was going to fight them due to the effects these loans have had on me as a person. I originally sent this email on Sunday night to all the lenders I have since received rather speedy replies from a number of lenders and have just sent my first ever complaint and feel quite liberated in doing so. any further advice would be greatly appreciated, I know this wont be a short process and I am hoping that I can continue with the positive mental state and not sink back into the shell im gradually crawling out of.
  2. Virgin has become the first train company to automatically compensate some passengers if they are delayed. If you buy an advance ticket on the West Coast mainline through Virgin's website or app, you’ll get money back if your train is sufficiently late. The money would be with you within three days, and you won’t have to claim for it as it’ll be automatic. The government are encouraging other operators to roll out similar schemes nationwide. http://www.bbc.co.uk/news/business-34424729
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