me and my debt resulting from gambling hell - help

[Tawnyowl]

Hi joshmark

Welcome to the CAG.

Gosh you are so young to have all these problems.

Many will read your thread today and help and advice will come.

Stick around.

You have a car and a job.

What is the situation with your mum and dad.

Well done for quitting the weed.

I think someone will soon be advising you to change banks as soon as poss.

While you are waiting take a look at this.

http://www.consumeractiongroup.co.uk/forum/showthread.php?396982-New-payday-loan-survival-guide-by-mike-dailly-govan-law-centre.%288-Viewing%29-nbsp

 

The guide will help you

If you can not afford to pay back your loan(s) on time

It will explain how to

1-Stop the payday lender taking money out of your account.

2-Challenge interest and charges where possible.

3-Manage the debt on a affordable basis.

4-Access fairer forms of credit.

Stick with it.

We are here for you

 

And i will do you a deal-

Somehow you quit gambling and i will quit smoking.

It is vital for both of us to beat our addictions.

I have had a heart attack and can not give up no matter what.

It could cost me ,big time.

I understand addiction.

How powerful it is

And remember-It is better to try and fail than not to try at all.

One day at a time.

No pressure ,whenever you feel like trying.

Let us beat it together.

I will keep a sharp eye on your thread.

Much advice will follow soon.

I promise.

And you have my support.

Edited July 27, 2013 by tawnyowl

[Tawnyowl]

Hi joshmark

Seems we have similar interests.

I used to go to the gym 6 days a week at 50.Had a eight pack-LOL

Swim still do-In the sea-North Sea-Irish sea,wherever.

Everyday,patrol the coastline.

But heart is not what it used to be.

Due to my addiction.

I have not got Skype-but will do.

One of my friends is a top cage fighter in Britain.And America.

I would be delighted to take your advice on healthy eating and smoking.

Very kind of you.

I keep thinking about the Mediterranean diet.

But am clueless.

Maybe we will work this out together.

Let us beat these addictions.

Send them to hell where they belong.

Put them on a barbel and crush them with a sledgehammer.

 

Take the info that was posted from CtizenB about Continuous Payment Authorities.

You do not want your account being hoovered.They will suck the money right out.Of your account.

 

I an due to go on my patrol of the coast now joshmark,high tide is up.

Habit now,but healthy.

I am now addicted to walking the coast

And it is roasting out there..

I will be back later

Stick around,you are now amongst friends

Who will stick with you and help you through these difficult times.

You are young,got a job a car,that is one hell of a achievement these days.

Hopefully the payday problem will soon be over.

And maybe you may want help with Santander and Nationwide.

There are threads for those problems that may arise.If you need help just give a shout.

Only the addiction to go.You will get there.

Edited July 27, 2013 by tawnyowl

[Tawnyowl]

Hi joshmark.

When you are next around i forgot to ask you.

What type of gambling is it.

I have noticed on the TV Football.Bingo Adverts which seem to be increasing.Then there is cards,horses,greyhounds all manner of things.

Even lottery cards and the lottery itself.

Even fruit machines.Casinos.

So many temptations for the young,all ages i suppose.

I suppose with modern technology it is easier than ever to gamble.Mobiles,computers etc.

 

Maybe this question is to personal.

You have already said you are addicted to gambling.

I suppose it is like asking me how many cigs do you smoke what brand.

Addiction says it all.

The only other thing i can add is this.

When a good friend of mine got in trouble with debt.If you get the drift.

He opened what i believe is or used to be called a parachute account.

So none of them could keep emptying the one he used.

But told nobody.

It worked for him.

Basic,no frills but handy maybe to look into.Just in case

http://www.co-operativebank.co.uk/currentaccounts/cashminder

Just a thought.

The last thing you need at the moment is any wages in a month or so you receive vanishing over night.

Edited July 27, 2013 by tawnyowl

[Tawnyowl]

Good morning Joshmark and anyone else around this fine day.

Nice to see you are still around.

For a twentyone year old you sure can write.

Well educated and a bright young person.

A bit to cover here.

 

Many will help you.

K9 software nice idea.

http://www1.k9webprotection.com/aboutk9/overview

I understand the Bankruptcy idea,but it will or maybe affect your job if you went that route.

Anyone else toying with bankruptcy or the thought of doing so here is a link

http://www.adviceguide.org.uk/england/debt_e/debt_help_with_debt_e/debt_dealing_with_urgent_debts_e/bankruptcy.htm

 

It sounds like your debts are about ten to fifteen thousand.

Is this about right.

If there are more let us know.

I can assure you many on here including myself have had SLIGHTLY if i may use that word in its loosest tense bigger debt problems.In the past and present.And solved them and got relief and help from other members.Who had been through similar things.I came on here many years ago in a right state.I often made light of the fact of my problems,a way of hiding the fact i was in serious trouble.But many saw through the mask and helped me.

 

Anyway joshmark i will be updating as the day goes on,wish you well.

Keep watching the Rome series and The Walking dead.

Is this it.

http://en.wikipedia.org/wiki/The_Walking_Dead_%28TV_series%29

 

And this-

http://watchseries.lt/serie/rome

One hour at a time.

Back as the day goes on.

Tom-a new bank account for you.

Here are a few letters to look through when dealing with your creditors

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

Just scroll down the page to find the letter you feel is right for you to write perhaps to Santander and Nationwide.

 

And through writing about your problem you have already helped one person.Myself

Tom i start fighting my addiction

One day at a time.

Reading through the posts,i see some people have been on who understand or have been through gambling addiction in their own lives.I hope they help you.The understanding of it.

 

Just wondering if you have a Continuous Payment Authority with the bank.For the payday loans

 

As for the MMA,a tough sport.

Did so much training-martial arts-Taekwondo-Lau Gar Kung Fu,weight training.

I reckon it has saved my life about 3 times.

I have seen murder,all sorts of horrific things.

Better clear that statement up.I appeared for the prosecution,and he got life.

At my age i maybe can defend myself against street fighters,not professionals- the like-to old now.

Had 3 mins with a chap in the 80s who had fought for the world championship in America.

You had to pay,but a hell of a experience.Reminds me those Birmingham lads were tough,they trained and trained.

It was about the time of the British riots.I was not in the same class or anywhere near reaching that standard..

Maybe to a youngster like yourself i thought this might interest you

 

You can train hard now.As you say 6 foot 3 and built like a ox.

You know the buzz that training gives.

A better high than gambling will ever provide.

For sure.

 

 

Thankyou for the info on"brute force sandbags" the best training tool available! I will take a look

 

Also for health and fitness my bible is the website "marks daily apple" Likewise.

See you later Tawnyowl.

Keep us updated on everything.

Edited July 28, 2013 by tawnyowl

[Tawnyowl]

Joshmark i feel is asking some very important questions.

I want to make sure the info and advice he is given is the best.

Do not worry Joshmark advice will come.

We will have your answers as soon as possible

You see joshmark i usually just write about the lenders,mix it up a bit. not advise anyone.

Perhaps a wise one will appear

Hey Presto

 

Help is coming.

This is the kind of magic you can't learn even in Hogwarts

The Site team has arrived.

Good luck,Joshmark.

I will keep watching your thread.

Your friendship request i was happy to receive and happy that you want old Tawnyowl as a friend

 

 

 

.

Edited July 28, 2013 by tawnyowl

[Tawnyowl]

Best i can do.

Hi Tawny

 

I am just going out for some sandbag training, but I wanted to ask you the following, as a few companies are expecting to take the money from my account on 01/08/2013 and it wont be there.

 

1 - When i write to both the payday companies and the banks - do i explain my situation and see what they suggest? Would i even explain the reason for my situation i.e gambling addiction? I am now going to GA meetings

 

Check the letters page the link for the banks.Everything is there.If you want to explain your situation.Why not.

But do not budge.Is there a advisor at GA who can back you up.Just a thought.

Only offer what you can afford.

 

2 - Or alternatively do i write them a proposal? Such as x amount per month? Though this would leave me paying for a long while - my debts are around £13k - £3k in payday loans £10k in bank loans.

 

Seems a good idea.If your income without the gambling has a good excess i suppose this is the best way to go

You are only young.The debt will go.

 

3 - My car has a value of around £2000 - could i end up having this taken? I do need it for work so hopefully not. I feel this may be a silly question but I have never dealt with issues such as this one before.

 

I would think unless they take you to court and get a county court judgement against you, which you then break then they may decide to ask for a baliff to seize goods..If you keep up with payments offered before it gets this far it will not arise.As Bombaymix said it is not secured against the car is it.Unsecured if not.

 

4 - I would really hate for any of these companies to end up coming to my house or anything of that nature as my mom is a very anxious person and could not know about my situation.

 

If anyone ever comes to your house.Ask them to leave.They are trespassing.When you have asked them 3 times and they do not call the police.

Do not hit them,they are only doing a job.Thinking of your size and strength.But i doubt anyone will come.Ever.

In my dealings with them,they have always left.Without any need to call them.

They do not want trouble.They only if lucky,get commission.Someone has to do it.To eat pay rent the same as us.

 

Sorry for the rather serious nature of this comment but I wanted to sort this out tommorrow! Will post a reply again when i get back in!

 

thank you!

 

 

I will now check my facts.To make sure this is reasonable advice

For you,your credit record for a few years will be trash.But the payments you make will show.

But at the end of it you will be proud of yourself.

And as before you are only 21.

And take a look at this.it may help.

http://www.stepchange.org/

Many links.

And just in case some IVA info.

http://www.stepchange.org/Howwecanhelpyou/IVAIndividualvoluntaryarrangement.aspx

Edited July 28, 2013 by tawnyowl

[Tawnyowl]

Hi Joshmark

Where are you hiding.Or are you still sandbag training.

It is coming up to the end of the month now.

I hope you managed to open a account somewhere.Managed to sort a few things out.

Before your account gets hoovered by the creditors.

Charges will add up.Fees from the lenders etc.

 

Do not worry if you have not managed to do this.

We can work it out we have many options.

Letters,offers,budget sheets,many things.

It will work out.No matter,even if you have not managed to do anything.

 

IVAs,Bankruptcy,although you do not want to do this,because of your job.Many options.

I reckon you have pulled a muscle,that is why you have not updated yet.

I have done that a few times,you can hardly move for a day or two.

And when i had a few problems,i buried my head in the sand that much it took a week to dig me out.

And i was far from 21,in the wrong direction.

Hope to hear from you soon.

Tawnyowl..

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

You go to work Joshmark.We will work it through

Advice will arrive for you again.

Just warming up the keyboard.

And having a double whisky.

Only joking

And no loans young man.

There are other ways

May be tough,but right.

Enoy your day.

This page will be full by the time you come home.

And steady on for a moment with emailing the creditors today.

The PDL,wait till tonight,look for the advice first.

Do not rush in.

I am rushing this at the mo incase you are heading for work.

Wait before emailing anyone.

Do not till we think about it. give your new bank details to them.

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

Hi Joshmark

If you get any time ,on a break etc,take a look at this.It will give you a idea of the letters you may need shortly.

And there is a budget planner to look at.Maybe fill it in,tinkle about with it

Maybe a bit boring for youngsters but it has to be looked at.

And to much info at one time may do your nut in.It nearly did with me.

Perhaps some think it did.

Best to drip feed.Otherwise it feels like the old water torture.

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

More soon.

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

Pop Ups

I personally do not know where they appear from.

Perhaps it is because we are talking about debt.

Someone will know.

I will tell you one thing.

You are fast at taking info in.

The letters

They sure are good to look at.Someone took some time writing those.

I will look at B.

Yes,why not.Change the we for i,things like that.

Why not.These are the letters to Santander and Nationwide.Do you feel the same.

Certainly not the Payday Lenders.We will deal with that separately.For sure.

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

I just read your previous comment haha. I am an insurance broker actually But i cant progress to be a fully certified adviser until I get this all sorted out as it hogs too much of my brain!!

 

Where are you from tawny? I am from the shady dark depths of Birmingham...

 

I edited it.I did not want you to feel i was nosey.I am from Blackpool.

I tent to chat a bit about payday lenders.If you ever get some time take a look here

I bore people to death.But no one has said that yet..17 pages long now.

http://www.consumeractiongroup.co.uk/forum/showthread.php?311559-End-Legalised-Loan-Sharks./page17

It is true though

Taxmen and Bankers have a strange effect on me.As do accountants,estate agents,not insurance brokers though.

Yes i feel that is a good letter to send.It will give you some time.

 

Just wondering have you cancelled your old bank account now.

Just thinking about any CPA s you may have.

Or is this not relevant now.

Payday Lenders.

It is just ,we have to be very careful about them.

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

Hi sequenci.

Long time since you advised me.

Fading now in the mists of time.

Thank goodness.

 

Joshmark,hold that thought for a moment on payday loans,the letter

As for ideas on the holiday ,car insurance etc.

Get busy young man,there is insurance to be sold.

And maybe have the mother of all car boot sales.

I have heard that on facebook,there are now online local car boots,locally,that avoid commission etc

Not a member myself,but catching on fast i believe.

And local for you is one hell of a catchment area,a city.

Maybe even tell your girlfriend,i have had a few problems with my finances and am trying to sort them out.

Whether you tell her about the fading,hopefully addiction,well you may spit it out.

You know what girlfriends are like.Like mothers at times.Hopefully.

 

Sorry i missed the post from sequenci.

National Debtline.Nice

 

My only worry is how to deal with the payday lenders.

So many stories of them hoovering money from accounts.

The Lepers of Lending.

We have to be careful with them.

Do not give them your new bank details.

Other advice on this matter perhaps.

Edited July 30, 2013 by tawnyowl

[Tawnyowl]

Could someone please advise the best way of dealing with,i believe the 3 Payday loans that joshmark has.

My only concern now.

It is just that there are so many horror stories.

He has a new bank account now.That hopefully they do not know about.

Will phoning the bank be enough.

Or maybe take this to them.

 

Hi, affixed

template

letter - either hand in to the bank in person (take another copy along and get them to sign to say they've received a copy) or send by recorded delivery.

 

Attached Files

• Letter to bank to stop PDL payments.doc‎ (11.0 K
  

 

 

Credit to Ell-enn for this.

She helped someone in similar circumstances.

 

 

Slick senses the danger.As others do

The payday lenders have to be dealt with firmly.

If others can improve,update please do.

I do not trust them.

And never will.

The end.

Sorry if i seem to go on a bit.

Tawnyowl

Edited July 30, 2013 by tawnyowl

[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

[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

[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.

[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

[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

[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

[Tawnyowl]

Hi joshmark

Did you manage to cancel the CPAs at Santander.Stiil time if you can do it by phone Just get a ref no and name.

Times tight now.

Peachy

I do not think they are legally required to do this.The request.So do not hold out much hope there.

Banks and others usually take notice when sending these.Well they used to.

Sounds like they want their moneys worth

 

Charges and interest then eventually to a DCA

At least if the CPA has been cancelled the charges will not add up from your bank.Even if finishing with them.

If funds would not have been available.

Do not give your new bank account details to them.The payday lenders.

They will keep trying to empty it if you do.I feel you know that already.

It will be interesting to see what your other creditors say when receiving the 28 day request. letter.

A lot going on for you.Hope you are managing the pressure you are feeling ok.

And as before we are here for you

Tawny.

Edited July 31, 2013 by tawnyowl

[Tawnyowl]

i keep getting a popup from thsi site called "money manager" it looks like a good tool but whenever i click it it dissapears!

 

Hi joshmark

Just been going through the thread.

Remember we talked about a pop up.Old Tawny could not understand these magical happenings,that materialise right in front of you.

And you said it seems good but keeps vanishing when pressing this mysterious object.

Since then you have said you are possibly going on a DMP - it may appear again now,magically.

Well i have looked around and maybe you would like to look at this thread that i have found.In a corner of the CAG.

I dusted it off , maybe you would like a look at it .Tinkle about with it .Fill whatever is there and see what happens.

Here is the link-I will update if needed,when i myself have been through it all

Here is the link.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?333518-New-CAB-debt-tool-amp-online-Assisted-Self-Help-Debt-Management-Plan&highlight=money+manager+tool

 

Hope you are ok.

And do not worry if you have not managed much.

It is a lot to take in.

We will work it out.

Tawnyowl

 

Slick132.

I have read many things about the payday lenders but did not know about that trick.

It stunned me for a moment.

I will use that warning myself on my thread.

 

joshmark i have read your posts below and was hoping communication with sequenci was happening.

I am so happy i could put a tune on.But will not.

Perhaps i have put enough on for now.

But maybe when things are progressing the way we want them to i will not be able to resist.

Thankyou joshmark i am smiling at your compliment about the writing.

My feathers have fluffed up.

It just comes out.

 

3k in the past now,but i must admit i nearly fell of my perch.

Fading addiction now.

40 pound in the old bankvault. .Brilliant.A new start.

Edited August 1, 2013 by tawnyowl

[Tawnyowl]

Hi joshmark.

How is it going.

A lot to take in.

Hope you are ok.

[Tawnyowl]

Hi Joshmark.

Just in case you are still around and going with the misselling thoughts.

May be this letter will help you

For the payday lenders anyway.Mix it about a bit,to fit your circumstances.

Maybe you already have.

Letter to complain about a payday loan

 

 

 

• 1 - Introduction
  
• 2 - Write
  
• 3 - Preview
  
• 4 - Download
  

For more information about when you should use this letter, see Payday loans - making a complaint.

 

 

 

 

If you have a problem with your payday loan you can use this letter to complain.

http://www.adviceguide.org.uk/englan...ayday_loan.htmGood luck,wherever you are.

 

 

• There was no proper affordability check as the online payday lending took place instantly.
  
• No fair assessment was given of the suitability of the loan and the consequences of not settling within the contractual term.
  
• Instantly selling a very high APR payday loan, without a cooling-off period, took advantage of a vulnerable consumer.
  

Best wishes

Tawnyowl.

Edited August 10, 2013 by tawnyowl

[Tawnyowl]

Joshmark,have we met before my friend.

I wondered how things were going for you.

You are a bright young person,that there is no doubt of.

Minimum wage,bright prospects,yes that is true.

But the gambling addiction my friend is the root of this trouble.

You do not need telling this.

Maybe going Bankrupt in the Financial Sector is not a good idea.

If you do this,you may have to find another career.

But you are still young,if this is the final option after all others have been exhausted.

Colleges,study,uni,at your age are options as well.

And throwing those computers,the online ease of gambling is another,straight through the window.

 

What are your other hobbies,interests Joshmark.

Do you like other things away from the Financial Sector.

Personally,i know everyone is different. i did 6 months in the Civil Service,i felt trapped behind those windows.

Those walls,waiting for the tea lady with her cakes clanking around,my highlight of the day.

Perhaps you may have other interests,jobs you would consider.

Edited October 13, 2013 by tawnyowl

[Tawnyowl]

Ok Joshmark,this is good news,i did not see your two posts,i was that busy writing.I am so happy you have won the battle.

In that case there are many options.

I will be around,i must get up,can not keep away from these forums,i could dance and sing,to think what you have overcome.

I will be around later.