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sick of it all and struggling to cope


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Hi petal

 

Don't beat yourself up over this - as postggj says a lot of us in this forum have been in your position. I suspect you may need to renegotiate those debts you are already paying. Pay day loans are no big deal and easily negotiated. Just make sure you cancel debit card and any direct debits.

 

I am sure postg will sort you out with some suitable templates

 

Don't let it get you down.

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Hi all,happy new year,well just to let you know ive rung the bank tonight and told them ive lost my card,ive decided i cannot go on like this,im determined a new year starts now and ive no intention of carrying on with this charade,im hoping strength will get me through this,my payday loans default this week,im more concerned at the moment with the companies phoning my work as this is not allowed,i dont want my colleagues and employers to know about it,but im gonna try and stay strong.Thanks again all for the advice xxxx

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Hi#

Recieved a call earlier from payday uk asking if i wanted t defer my loan,i told the guy i was too busy to talk he said he would phone back tmorrow,i dont know what to say as planning on defaulting,card cancelled,ihavent emailed yet with offer of arrangement,should i email them before default on friday? Having a bad day as also having problems witcapital one,i was left in tears this afternoon after there unwillingness to help,if anyone can advi se me any more capital one thread is in debt collection forum.Im going out of my mind at the moment,thanks again for thesupport xx

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  • 3 weeks later...

I hope it all goes well with you...

I went for the option of a debt relief order, not sure if you hae looked in to that yet or not??

 

No not looked into that what is it? Anyway a quick update,payday uk have come to an arrangement with me and so have payday express.,i feel im finally getting out of the cycle(heres hoping)!! I had other threads as well,reliale collections have also come to an arrangement and despite trying to sort one with capital one they have now defaulted my account and sent to ftc,ftc contacted me and i have now made an arrangement with them,oh and almost forgot managed to half my payments with welcome finance :-)) so all in all so far so good,many thanks to everyone for advice,will keep you posted and hope im still welcome for advice if it all goes pear shape!!!! take care xxxx

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Hi petal

 

Glad things looking up for you. Advice always there if you need. Having said that I am sure with your experience of these companies you may be able to help others other caggers on occasions

 

Thanks the support is appreciated and as you may notice i have recently given advice on a caggers thread,if i can help others il gladly do so,were all in this together;)

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