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  • #1

    Newbie requiring advice

    Hi there I'm new to this forum I really need some help and advice! I currently owe approximately 18k in loans, credit cards and payday loans . I'm in a right mess . Got paid yesterday and all my money has gone on just 1 of the payday loans. I just don't know what to do!! 😥
    Tags: 084, advice, ban, bank, cancelled, cards, claim, comi, con, cpa, credit, credit cards, creditors, debt, debts, direct debit, financial, funds, genuine, help, life, list, loan, loans, lost, money, niddy, paid, payday, payday loans, pdl, reclaiming, rules, ue diaries, unenforceability, wage
  • #2
    Re: Newbie requiring advice

    Hey Missklj2014 & Welcome to AAD

    It may be best to list the creditors and amounts and rough dates you took these loans out, and then the relevant experts can take a closer look for you.

    Don't worry (I know thats difficult to hear at the moment, I've been in the same position as you) we will help you the best we can

    TibetanMonk


    TibetanMonk
    On Debt Row

    AAD has so much to offer and wants so little back. Take advantage while you can.

    Comment

    • #3
      Re: Newbie requiring advice

      Thanks Tibetan monk. Are there experts on this forum or do I need to navigate to another place ?

      Comment

      • #4
        Re: Newbie requiring advice

        Originally posted by Missklj2014 View Post
        Thanks Tibetan monk. Are there experts on this forum or do I need to navigate to another place ?
        I'll send one of them a message now and get them to come in.


        TibetanMonk
        On Debt Row

        AAD has so much to offer and wants so little back. Take advantage while you can.

        Comment

        • #5
          Re: Newbie requiring advice

          We have a PDL expert. I'll alert him now.

          You must cancel the CPA ASAP. You're a day late coming here or we could have saved your wage....

          Hold fore. I'll get SnV to pop in.
          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: Newbie requiring advice

            Originally posted by TibetanMonk View Post
            I'll send one of them a message now and get them to come in.
            We're here mate
            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

            • #7
              Re: Newbie requiring advice

              Originally posted by Never-In-Doubt View Post
              We're here mate
              Niddy to the rescue


              TibetanMonk
              On Debt Row

              AAD has so much to offer and wants so little back. Take advantage while you can.

              Comment

              • #8
                Re: Newbie requiring advice

                Originally posted by Missklj2014 View Post
                Hi there I'm new to this forum I really need some help and advice! I currently owe approximately 18k in loans, credit cards and payday loans . I'm in a right mess . Got paid yesterday and all my money has gone on just 1 of the payday loans. I just don't know what to do!! 
                Hiya

                are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries
                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: Newbie requiring advice

                  Hi no not a home owner. I will go the link to list my debts what do I do then ? Sorry if I'm being thick!

                  Comment

                  • #10
                    Re: Newbie requiring advice

                    List debts, read and await our instructions. SnV will help sort the PDL for you. We'll help with cards / loans etc
                    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

                    • #11
                      Re: Newbie requiring advice

                      Hi and welcome. Once you have listed your debts on the link that Niddy has given you then members will give you advice on what to do. It isn't always instantaneous as this site is self help and voluntary, but you will be given guidance on how to deal with every situation. Try to relax, you will regain control of your financial life.
                      read around the site and you will see the success stories and the friendship that is formed.
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Newbie requiring advice

                        Originally posted by Never-In-Doubt View Post
                        Hiya

                        are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries
                        Here goes ....

                        Quick quid: Owe £860.00- monthly payment £306.00 due tomorrow

                        Pounds to pocket Owe £1100- monthly payment £165.09 due tomorrow

                        Wonga £800.00 borrowed yesterday as I had just paid them back £1550 yesterday

                        Vanquis credit card owe £1100

                        Tesco credit card owe £2000

                        RBS credit card owe £1400

                        Barclay card owe £1750

                        Capital One Credit card £1000

                        2 Halidax loans owe £7000 and £3000


                        Im so ashamed 🙉🙉
                        Last edited by Missklj2014; 29 April 2014, 10:18. Reason: More details

                        Comment

                        • #13
                          Re: Newbie requiring advice

                          Originally posted by Missklj2014 View Post
                          Hi there I'm new to this forum I really need some help and advice! I currently owe approximately 18k in loans, credit cards and payday loans . I'm in a right mess . Got paid yesterday and all my money has gone on just 1 of the payday loans. I just don't know what to do!! 
                          Originally posted by Missklj2014 View Post
                          Hi no not a home owner. I will go the link to list my debts what do I do then ? Sorry if I'm being thick!
                          To prevent the usurers from grabbing all your money in future, yiu must cancel or revoke the Continuous Payment Authority for every one of them, in writing.

                          Do not let yourself be fobbed off with twaddle from the bank, who may aver that only the lender can do that. The bank's customer has the right to cancel or to revoke any CPA they have made and it is imperative that you do so at once, or the payday parasites will just leave you penniless.

                          Comment

                          • #14
                            Re: Newbie requiring advice

                            Originally posted by TibetanMonk View Post
                            Noddy to the rescue
                            IFYPFY

                            Click image for larger version Name: noddy.jpg Views: 2 Size: 29.2 KB ID: 1400134

                            Comment

                            • #15
                              Re: Newbie requiring advice

                              Originally posted by CleverClogs View Post
                              IFYPFY

                              [ATTACH=CONFIG]11648[/ATTACH]
                              I was having a rough day until I saw you and you posted that, hah.


                              TibetanMonk
                              On Debt Row

                              AAD has so much to offer and wants so little back. Take advantage while you can.

                              Comment

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