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At breaking point payday loans and gambling!


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i am so stupid i have got myself into this massive hole and i can't get out i don't know what to do!

 

Omg where do I start...

In may I put £25 online slot and after 3 spins won £1000 wow this is so easy!!

Took the money and closed my account for 6 months so I didn't spend any more put it all in our savings for my wedding!

The week after I signed up to another site and lost £200 0oh well I can afford it then the week after that I joined another one spent all my wages in one afternoon but wait I won £1900 with the very last £50 I had yes I'm saved... Paid my rent paid the bills bought my wedding dress wow this is so easy...

Getting the urge to gamble again so I join up to another site lost uh oh no money again so sneak into joint account started playing with that money then I lose... Oh dear I can't let the oh see this so I get several pay day loans to put into the account they go in I get the urge again so started taking it out bit by bit lost it all :(

 

i got paid and transferred money back into the savings before OH saw it and spent the rest gambling to try win money back but i lost it all :( i haven't even paid the rent i have £0 to my name i have all these companies wanting money in the next few days i am stuck! what shall i do ...

 

These are the companies

 

Cash Genie £600

Mr Lender £337.50

Lending stream £260

Minicredit £308

Wage Day Advance £194

 

All need paying this month :(

 

im so stuck so much going on i have my car MOT and tax due at end of month too and we are moving out in October and need £1000 for the deposit :( this is why i done it cos i know we needed the money and i thought it was easy but its not its ruined my life!

 

 

Where do I start I'm so scared to tell oh he might hate me call off the wedding :(

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Good morning ihaveaproblem.

Welcome to the CAG.

Have a look at this for the payday loans.

 

 

 

Need help with your payday loanlink3.gif?

 

Visit the payday loan pages on Adviceguide.

Call our consumer helpline 08454 04 05 06

You can contact Citizens Advice consumer service by phone or on-line if you need further help with a consumer problem. Alternatively you can get advice from your local Citizens Advice Bureau.

Want to make a complaint?

 

Use our simple tool to check whether you have grounds for complaint.

Find out more about our campaign activities on payday loans:

 

 

 

And of course.Mike Daillys Payday Loan Survival Guide.

How to tackle payday lenders: GLC's new payday loan Survival Guide

http://www.consumeractiongroup.co.uk...van-law-centre.

 

The advice is in the guides.

But a letter to take to take to your bank to cancel the Continuous Payment Authorities

Hi, affixed
template
link3.gif
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.

 

paperclip.png Attached Files

 

 

Credit to Ell-enn for this.

Maybe best to do at the moment.

Till the payday loan problem is sorted out.

 

I can not help you with your gambling problem.

Maybe you feel you need help for the gambling,or to talk to someone-link below.

http://www.gamcare.org.uk/

 

I understand compulsive urges.But it is where things can lead to that is the problem.

And somewhere to go for advice,online or other ways.

 

It may be best to have a word with your other half.

Tell him about the problem you have had.

What else can you do.

But to come clean.

As it is a joint account,sooner or later it will come out anyway.

 

I would understand and be happy you told me if it was me.

Maybe stunned for a moment but would understand why.

I would go through it with you.Help you.

Even take you out for some fish and chips or similar,to talk about things.

 

The rent problem has to be discussed,maybe by making a arrangement with the landlord.

Is it a week or a month you now owe.

 

Got your whole lives together.Secrets like this are best out in the open..

 

A lot to take in all at once.

Best wishes Tawnyowl

Edited by tawnyowl
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Honey, I've done the same myself a few years ago. The best advice I can give you is check out gamblers anonymous. They will help you with your gambling issues.

 

Be honest with your other half. He will rant & rave & be angry. He loves you. He will be the rock you need to get through this. And you will get through this. Believe me, believe in yourself & believe in your partner. I managed to tell mine & he's a scary bleeder when he gets going!

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Hey ihaveaproblem,

 

Your not the first and won't be the last to fall foul of this trap I.e gambling and payday loans.

 

One thing you have to remember is you can get over this and move on with life. You've been honest with yourself regards the gambling. I know it's hard to tell a loved one about your gambling but lets be honest your not going to feel any worse than you already do. It can be the start of the healing.

 

If your gambling online then I'd advise K9 software and have your oh or friend put in the password and email address that stops any temptation.

 

A favourite free book that I read is

http://www.wanttostopgambling.com/info2.cfm?info_id=21945

Lots of great advice.

 

The money is lost there is nothing that can be done about that but your life will improve immeasurably if you work hard at not gambling and the debt will be cleared in time trust me I've been there.

 

I'm no counsellor, just someone that knows what your going through.

 

Good luck

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First bit of advice, secure your bank account.

 

Second bit of advice, get help with your gambling addiction.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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First bit of advice, secure your bank account.

 

Second bit of advice, get help with your gambling addiction.

 

I have told my partner tonight I feel so relived I was chasing losses so I'm happy that I can stop now knowing that he knows I'm in debt!

I have contacted stepchange to help me sort this debt out! Thanks for ur advice everyone! X

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Get that account secured.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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