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mykeie

help with lots of debt

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Hi can you help me on where to go with lots of different loans payday laons and bank bebt as i am at the point of no return. i haved looked at debt plans but there seems to be lots with different reviews and i dont know where to turn to sort this out? not slept for years letters stashed everywhere and i am totally dejected any help would be kind?

Thanks

mykeie

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hello and welcome first of all can u list all the debts on here u currently have so we can all help u and then go on the forum that may relate to u ie who it is u owe too ,type in the name at the top of your lender and see others issues on the forums for them ok :violin: were on the violin at the mo lol but soon ul be on very happy face


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many of my debts are a few years old and some new. tsb old loan and overdraft with lots of charges on the overdraft account, marbles card old, black horse x2 loans old, alliance& leicester overdraft old, first bank old, barclaycard old, all these new last 6 months wonga, quick quid, payday express, payday uk, text loan. had lots of letters over the last 6 months not opened any for a while just hide them or throw them away many of these have been past to lots of different collection companies? not paid any of these for a while as i have been trying to catch up with my priority debts and repaying mortgage arrears and council arrears dread comong home and seeing the post on the floor or wondering who is going to knock on the door had to change my phone number and email as well? cant remember the last time i slept through the night!

thanks for the reply,

mykeie

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hi ok we do p l on here so you need to go on the forums for the bank ones re put it in the top of the page now your mortgage is propiority and council tax so ur dealing with them good keep at it as for the payday loans email each one telling them you are going to have to default as you need a payment plan quick quid are doing them but you have to stick to your guns get tough ,email all of them dont talk on the phone to them they will almost certainly say no at first but after you default dont worry email them again saying you cannot pay but need a plan asap in place ,do not send any of them any bank details once you have these plans in place come back to us and wel help you sort out payment ways to them one option is pre paid card .now cancel any direct debit to the payday loans asap and cancel your bank card as lost an order a new one and do not give them your details ever again otherwise they will possibly raid your bank account like they did with me and many others .now go email them then email them again aftrt u default agian and let us know the response .good luck u can do this we all did and u can too xx:violin::sad:


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ok thanks very much for your help. alll the payday loans have defaulted and i have only managed to pay 1 any money that is wageday advance have had £60 a month for the last 3 months? where do i need to go with this post dont know if i can stay here and get help or post in another part dont want to do it wrong?

Thanks

mykeie

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your welcome no your on the right forum for payday loans just type in at the top or go to menu to find ur other loan companys so post on here for all ur pdl .if possible can u please post on here for us all how much u owe each pdl:violin:


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Hello there,

 

We have a really good information pack 'Dealing with your debts', which you can find here: http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#4

 

You could also have a quick look at our 'My Money Steps' system, this can provide you with tailored advice on your best options: https://www.mymoneysteps.org/

 

All the major payday loan firms have dedicated sub-forums, they are certainly worth a look.

 

Best wishes.


For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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brilliant debt line many thanks :whoo:


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hi ok we do p l on here so you need to go on the forums for the bank ones re put it in the top of the page now your mortgage is propiority and council tax so ur dealing with them good keep at it as for the payday loans email each one telling them you are going to have to default as you need a payment plan quick quid are doing them but you have to stick to your guns get tough ,email all of them dont talk on the phone to them they will almost certainly say no at first but after you default dont worry email them again saying you cannot pay but need a plan asap in place ,do not send any of them any bank details once you have these plans in place come back to us and wel help you sort out payment ways to them one option is pre paid card .now cancel any direct debit to the payday loans asap and cancel your bank card as lost an order a new one and do not give them your details ever again otherwise they will possibly raid your bank account like they did with me and many others .now go email them then email them again aftrt u default agian and let us know the response .good luck u can do this we all did and u can too xx:violin::sad:

 

Msotly good advice quack quack, but you can just instruct your bank not to pay the Payday loan and they must honour that request. If they don't, they must repay the money. Legislation was passed last month for this. There's no need to cancel bank cards anymore - actually the only really safe way in the past was to change to an unrelated bank to avoid set off.

 

Mostly sound advice quack quack, but you can just instruct your bank not to pay the Payday Loan company now and they have to

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not so im afraid .yes u can instruct ur bank to do as u say but banks still let the funds go through then u will have to wait almost a week or more for a charge back so its ur choice what u decide to do i can only advise :razz:


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AND THATS IF U HAVE A BANK THAT WILL PAY U BACK :roll:


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:clock::peep::amen::deadhorse:and advice i only give its up to anyone who uses it as u dont have too if anyone feels anyones advice on these forums is not correct for them i suggest u go to debt line .payplan or cccs as they are the experts and not rely on us soley on here

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