me and my debt resulting from gambling hell - help

[joshmark]

I work at trigate business centre on the hagley road. you know it?

 

I wish I could have a chat with someone face to face of these issues.

 

I will call them then - there are so many debt charities I dont know which is best to call!

 

[sequenci]

The two biggest from a telephone perspective are Stepchange and NDL.

The CAB and Birmingham Settlement are both excellent, too.

 

I've heard the name - probably seen the place. I work at Five Ways

[Tawnyowl]

Good grief.

sequenci and joshmark

Working in the same city.

One a debt counselor the other has a few debt problems.

What a coincidence.

You could not write this stuff.

Could be minutes apart.

sequenci,i bet you get a lot of job satisfaction from your job.

People come in ,stressed out, anxious(that took some spelling.) and you help them out.

I bet you can see the stress and anxiety fading from their faces.

I feel a tune coming on.

 

 

Help you get rid of any stress.Chill. And pass the time away waiting for updates

And a happy ending.

Edited July 30, 2013 by tawnyowl

[sequenci]

Good grief.

Could be minutes apart.

 

Our offices are about 3 minutes apart just along the Hagley road.

 

Well, more like 20 minutes during rush hour haha.

[joshmark]

Sequenci I know I am asking a lot but is there any way i can come and have a chat with you at your office?

 

or you could come to mine?

 

I feel like i know roughly what I need to do now but I want to write up a plan of action im 100% sure of

[joshmark]

btw tawny i think you should start a career in journalism or perhaps your own blog, definitley pull a few readers!

[Tawnyowl]

btw tawny i think you should start a career in journalism or perhaps your own blog, definitley pull a few readers!

 

Had my bit of fame joshmark

A full page in the Telegraph

A journalist came up from London via Euston-no names mentioned.But a well known journalist.

And covered the story.

Went bust,bankrupt and lost my business.Then got repossessed. In the subprime days.

A blog,really i do not understand those.Or where to start.But i do like rambling on about things.

sequencis reply i am looking forward to.

Hoping.

He understands debt.He has been through it all.Heard it all i should think.

Edited July 30, 2013 by tawnyowl

[joshmark]

Just read your private message sequenci thank you i will reply very soon

 

things are going from bad to worse here

 

have fell out with my parents, they have kicked me out before, the streets may soon be my home... feel so lost

[Tawnyowl]

Falling out is one thing.

You are not homeless yet

Make it up somehow.

I have been homeless twice it is not very nice.

Come on.21 with a job,a car.A holiday to look forward to.Things are not that bad.

Debt problems on their way to being solved.

[joshmark]

How did you manage to come back from being homeless? i imagine that to be an almighty achievment as im sure the goverment would of been happy to leave you there!

[Tawnyowl]

Through help from councils.

Meeting people and sleeping on their floors.

Outside at times.A joiners yard for a while.

Bed and breakfast,hostels,even moved to the North East to find work.

One of the hostels had bars on the windows,a old police station.

Had help from the CCCS, now http://www.stepchange.org/ i believe.

And help from here with debt from members of the CAG

My mother died,my father moved south and i left home with 4.50 and a old casette,Bridge over troubled water it was called.

Here is my favourite tune from back then.

 

 

I was 17.A long time ago.Decision was,North or South.

Appropriate,but that is another story.

I hope things work out for you with your parents.

And you receive the help you need.For debt and the fading addiction.

Take note,which i think you have of all the advice given today.

And of course i will be around,looking out for you.As others will.

Edited July 30, 2013 by tawnyowl

[joshmark]

I feel like killing myself, really badly, it seems like the greatest gift I could have...

 

but I wont

 

partly because I want to come through this, and i have a lot of talent and ability, if i ever make £10m i promise you tawnyowl i promise you i will set up the biggest most beautiful homeless shelter EVER! and we will become a team that takes over the world!!

 

you have my word

[Tawnyowl]

Fair enough.

Keep calm let us sort the debts out first.

Then we will move on.

And build our empire.

A full lifetime ahead of you.

Enjoy-Life and your family and friends,your health the most precious gifts of all

I do not know what else i can say.

Edited July 30, 2013 by tawnyowl

[sequenci]

How long have you lived in Birmingham, Josh?

[joshmark]

Forever, unfortunatley, I myself find it rather a grim place, how about yourself?

 

i will be pming you again soon

[Desperate Daniella]

Hi joshmark,

 

With regard to the car insurance, do you normally pay this monthly by direct debit?

 

DD

[joshmark]

Hi Daniella

 

I do usually pay for my car insurance via monthly DD.

 

I cant afford to use my car at the moment but I am still paying my car insurance - i guess there is no way round this.

 

Why do you ask this question Daniella?

 

BTW FOLKS MY PLAN FOR TODAY:

 

Call Santander and cancel all CPA'S on the account - this may cancel my car insurance? Due to go out on the 8th? But i can call my car insurance ppl with new bank details before the 8th? This will also be an interesting call as I will be asking them to remove their own CPA on my account.

Write the 28 day letter to all of my debtors to freeze charges.

Contact national debt helpline and discuss help setting up a DMP.

 

Will they check my budget is as i said? It would take a million years to go through my bank account, i used to have 100 transactions a day to do with gambling.

 

Thanks for help!

[sequenci]

Forever, unfortunatley, I myself find it rather a grim place, how about yourself?

 

i will be pming you again soon

 

I really love Birmingham. I've been here about a decade. I love the vibrancy, the food, the culture and the music scene. I don't particularly care for the rubbish public transport system, mind you!

[Tawnyowl]

Good luck joshmark

Tell us what Santander say.The CPA cancellation.I will be interested to hear what they say.Should be no problem.

Get the persons name and a a ref no for your call.You know what i am getting at.just for the future.

Sounds like you are getting sorted.

I should think they will accept your budget details.Without prying into your bank account.

 

Hi sequenci

Sorry once again i was posting as you posted.

Birmingham-passed through it about 8 times in 2011,New hall Street i think.I will check

There was a Irish Bar next to me.I will check what it was called.

OOps-seems i was on Digbeth high street.The bar may be called The Dubliner.

Where did i get New Hall Street from.Is it near.

Perhaps that is the area where i once had car troubles.

A cathedral was close by ,bells ringing,a clock tower.

I usually was there for about three hours each time.

I used to stand by the railings and watch the people cars and buses go by.

I seem to do strange things,some may feel.

One time i saw this chap coming down Digbeth High Street.

He had a look.A long white beard.Medals pinned to his jacket.

I asked him.Do you mind if i take a photo of you.

He seemed pleased.We had a chat for about 30 mins.A very interesting fellow.About 70

Been through a lot.

Looked a bit like if you remember it,Only fools and horses.Dels Uncle Albert,the navy fellow,but smarter.

Seemed a vibrant place.Busy people.

.A city,i like the feel of the place.

The short times i was there.

On my way south.

Many coincidences in this thread.

Someone who has some debt problems in Birmingham

A debt counselor who lives in Birmingham

Tawny that spent some time there,even if only for a short time.

Connections to the South,the north.

New Hall Street.

What does this mean.

Do not ask me,i have no idea.

 

Had a Landrover,started head gasget problems right outside the back of the railway station.

Really started flapping.At Christmas.

Another busy bar at my side.Will check that name out to.

Went in for a coke.

Took me 5 hours to struggle back to Blackpool.

Birmingham.The countries second city.

 

Just hoping for a happy ending for josh

A end to the problems he is going through

Edited July 31, 2013 by tawnyowl

[sequenci]

I used to have an appartment on New Hall Street, I REALLY miss it. Loved it so much - within 30 seconds walk I had about 30 restaurants and a similar number of pubs. The shops were just down the road, too.

 

I moved up from the South - as much as I love it down there I actually think my next move might be further up north. Really love the feel of Leeds.

[Desperate Daniella]

Hi joshmark,

 

The reason I asked is that most car insurance companies are quite reasonable about re-setting direct debit dates and I think you said in an earlier post you could pay it on the 30th. I think you should phone them just before the 8th and say you are changing banks, give them the new details, and change the repayment dates to the 30th. As you are missing a payment for about three weeks they will probably spread the cost of that three weeks over the other payments.

 

What the insurance company have is a direct debit mandate and this is different to a CPA, so you won't have any problem cancelling it with the bank. CPAs are chosen by payday loan companies because they, and sometimes the banks, will argue that you can't cancel them.

 

That is one thing on your list that should be relatively easy to sort out.

 

DD

[slick132]

BTW FOLKS MY PLAN FOR TODAY:

 

Call Santandericon and cancel all CPA'S on the account - this may cancel my car insurance?

 

A CPA is not the same as a DD Mandate.

 

You can cancel all the CPA's by specifically naming the beneficiaries. You do NOT need to cancel all DD's at the same time, if you don't want to.

 

Just be clear with the bank about what you need to cancel - ie specify the type of payment and the beneficiary (the PDL).

 

[joshmark]

Thank you Daniella that is a great idea!

 

Okay so im gonna call santander and cancel all of my CPA'S - because my car insurance is taken VIA dd - I dont have any CPA'S apart from the one's from payday loans company.

 

I will also inform them that i am emailing over a document for 28 days pause on my loan for me to take financial advice. This will hopefully stop santander taking their loan payment as a direct debit.

 

Then i call my car insurance and tell them im changing bank, i dont have the details yet but if they can change the DD date to 30.08.2013 instead of 08.08.2013 it will give me time to get the money and the account sorted.

 

please let me know if anyone sees an issue with this plan

[joshmark]

i might go into branch to do this to be fair will be easier!

[sequenci]

i might go into branch to do this to be fair will be easier!

 

Let me know how you get on matey