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  • #1

    Debt and Loan Help Pleazzzzzzee.......

    Hello one and all,
    I have been thinking long and hard about putting a message up on here and have finally had the courage to do it!

    Basically, until a year ago everything was going smoothly, everything was being paid and my family was managing ok! Then just less than a year ago we were forced to move house (a smaller house so I thought the cost would be less), changed jobs and put my son into Childcare! Well everything went pair shaped from there and I bascially lost all control over our finances. We are now bascially £640 worse of than last year! I have been using payday loans to try to cover all our bills and leave us with some disposable income but things are now spiralling out of control.

    I haven't missed any payments but the costs for all these payday loans are increasing! Now the other side of all of this is that a relative has offered to get a loan so I can clear all my current debts and get myself back on the straight and narrow. The problem is this relative has a poor credit rating and I cannot find a loan provider that doesn't charge a massive APR.

    Can anyone offer any help us to were to go to either get a loan or get some advice?

    Thank you for any help. I am really greatful.

    furryboo
    Tags: action, addresses, advice, apr, arrow, bank, banks, bills, car, card, cca, cca request, con, costs, court, cpa, credit, credit rating, customers, dca, dca's, debt, debts, dmp, egg, egg loan, email, family, finances, financial, fine, forced, freeze, help, income, jobs, legislation, loan, loan sharks, loans, lost, money, niddy, paid, pay, payday, payday loan, payday loans, payments, pdl, phone, poor, poor credit, ppi, questions, refunds, sharks, stolen, stop, thank you, txt
  • #2
    Re: Debt and Loan Help Pleazzzzzzee.......

    Refer the loan sharks to the celebrated retort in the case of Arkell v. Pressdram - link

    Comment

    • #3
      Re: Debt and Loan Help Pleazzzzzzee.......

      what CC means is stop paying the payday loans.
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #4
        Re: Debt and Loan Help Pleazzzzzzee.......

        Originally posted by Never-In-Doubt View Post
        what CC means is stop paying the payday loans.
        And then acquaint them with the retort in Arkell v Pressdram.

        Comment

        • #5
          Re: Debt and Loan Help Pleazzzzzzee.......

          Originally posted by CleverClogs View Post
          And then acquaint them with the retort in Arkell v Pressdram.
          you mean tell them to fuckoff?
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

          Comment

          • #6
            Re: Debt and Loan Help Pleazzzzzzee.......

            Originally posted by Never-In-Doubt View Post
            you mean tell them to fuckoff?
            Should one be needlessly concise?

            Comment

            • #7
              Re: Debt and Loan Help Pleazzzzzzee.......

              Originally posted by CleverClogs View Post
              Should one be needlessly concise?
              Ok, a better version then?

              Ian Hislop is my hero :niddy
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #8
                Re: Debt and Loan Help Pleazzzzzzee.......

                Sorry for going off on a tangent there but we really do hate payday loans here and based on the fact they have as many rights as I do, well really it'd be a good idea if you can tell us how much you owe and to whom as follows:

                Name of PDL -
                Original Loan -
                Balance now Due -

                Reply with the above then we'll try and get you sorted on the straight and narrow, also can you clarify if you're rolling them over, paying on time or just not paying because chances are you may need to get a new card to stop the future payments (basically ring your bank and say your bag/wallet was stolen so can you have a new card - this generates a whole new card number thus stopping the CPA to the PDL)...

                Let us know and we'll then be better placed to help, obviously don't write back quoting Arkell v Pressdram, not wise
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: Debt and Loan Help Pleazzzzzzee.......

                  Originally posted by Never-In-Doubt View Post
                  Sorry for going off on a tangent there but we really do hate payday loans here and based on the fact they have as many rights as I do, well really it'd be a good idea if you can tell us how much you owe and to whom as follows:

                  Name of PDL -
                  Original Loan -
                  Balance now Due -

                  Reply with the above then we'll try and get you sorted on the straight and narrow, also can you clarify if you're rolling them over, paying on time or just not paying because chances are you may need to get a new card to stop the future payments (basically ring your bank and say your bag/wallet was stolen so can you have a new card - this generates a whole new card number thus stopping the CPA to the PDL)...
                  That's one way to do it.

                  Another would be to write to the bank, withdrawing your consent to the transactions, under section 55 (link) of the Payment Services Regulations 2009.

                  Under section 63 (link) of those same Regulations, the bank may have to refund monies paid over the last eight weeks if you can shew that more money was extracted than you had authorised or if the sum to be taken had not been exactly specified at the time the authorisation was given.

                  Needless to say, most banks would prefer their customers not to know about this.

                  Let us know and we'll then be better placed to help, obviously don't write back quoting Arkell v Pressdram, not wise
                  Apart from telling the sods to bugger off, can you think of a more forthright way to express one's disapprobation of their usurious antics?
                  Last edited by CleverClogs (RIP); 20 March 2012, 05:50.

                  Comment

                  • #10
                    Re: Debt and Loan Help Pleazzzzzzee.......

                    Hi there!

                    I have 4 Payday loans (I know things have got that bad): -

                    (All this are aprrox)

                    Wonga
                    Loan £1400
                    Owe £1650
                    Been paying off!

                    Paydayuk
                    Loan £450
                    Owe £429
                    Been paying interest and defering each month.

                    Pounds to Pockets
                    Loan £800
                    Owe £1750
                    Been paying a set monthly amount.

                    Choice Fiance
                    Loan £450
                    Owe £645
                    Will more than likely defer this one to and just pay interest.

                    Guys thank you for all your help so far and just for the record I cannot afford a lawyer. As I said a relative has offered financial support but they have a bad credit file from a while ago and cannot get good APR quote!

                    Thanks

                    furryboo

                    Comment

                    • #11
                      Re: Debt and Loan Help Pleazzzzzzee.......

                      Originally posted by furryboo View Post
                      Choice Fiance
                      Choice Fiancé?

                      At least it wasn't a shotgun engagement.

                      Guys thank you for all your help so far and just for the record I cannot afford a lawyer.
                      Fiddlesticks. You don't need to pay anything for help from the duty lawyer at your local Citizens' Advice Bureau - link to find where that is.

                      Comment

                      • #12
                        Re: Debt and Loan Help Pleazzzzzzee.......

                        Hiya - you don't need a lawyer. Don't know where that came from

                        Why not just ignore them? There really isn't much they can do other than call or write - both easy to ignore. Nothing is making you repay these debts... So why do it?
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment

                        • #13
                          Re: Debt and Loan Help Pleazzzzzzee.......

                          Ok, If I ignore them though! It will clearly eefect my credit rating for like ever and they will always be on my back won't they?

                          Again thanks for all the advice people.

                          furryboo

                          Comment

                          • #14
                            Re: Debt and Loan Help Pleazzzzzzee.......

                            Only for 6yrs which is what'll happen regardless....

                            Or consider trying to dmp them with freeze of interest..?
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #15
                              Re: Debt and Loan Help Pleazzzzzzee.......

                              Ok,
                              So let me get this straight! If I get a new debit card and not tell them of the change, the loan firms won't be paid! What right to the have to taking me to court/getting baliffs etc? and then whether I pay them or not after 6 years will these be written off or will they still be chasing me?

                              Thanks, I am feeling better about things already!

                              furryboo

                              Comment

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