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[Bl Blackkbeauty WANTED $3 Outlaw]

Please consider taking advice from https://www.consumeractiongroup.co.uk
<span style=”font-size: 1rem;”>The people there are radical. You may not need a loan – there may be a better way . They can advise u how to resolve any debt problem They actively work with you to prioritise your debt payments  .You will be amazed.From my experience I was nearly at the court door – they helped including amending my letters .when I was scared they reassured .These  guys are amazing and can assist</span>

Best of luck

[Green2711 WANTED $492 Outlaw]

If you do manage to find someone that will lend you money make sure the missus gets that money put in her account and not yours because I can tell from reading this post that if you paid off those immediate debts then the left over money if there was any would be spent on gambling. Not meaning to be a prick but if it had to get this bad before you stopped then you must have a serious issue and I know this because I was in a similar situation and I would have spent the excess on gambling if there was any. Its easy to say your done when your desperate but when you have a little in the bank you fool yourself into one more deposit and before you know it the rest has gone in.

 

Good luck anyways mate whatever you decide to do.

[Kelvie WANTED $45 Outlaw]

Only thing with credit unions you must have a repour with them usually six months in savings, but defo a great thing to have. He should till look into this for the future.

[giannix WANTED $10 Outlaw]

Hi, I’m in the same situation (or even worse cause I don’t own any house) and had same experiences as you did. Ofc no bank will give a penny while youre score is disastrous, their system won’t alow them. I tried all possible kinds of credits but ofc nobody gave me anything. The eeij’s answer is probably the best in your situation while you still have a chance. I don’t have a mortgage or anything so, in this moment, I’m just trying to decide about the bridge…

Best wishes, take care :/

[Haz40 WANTED $1,166 Outlaw]

giannix wrote:

Hi, I’m in the same situation (or even worse cause I don’t own any house) and had same experiences as you did. Ofc no bank will give a penny while youre score is disastrous, their system won’t alow them. I tried all possible kinds of credits but ofc nobody gave me anything. The eeij’s answer is probably the best in your situation while you still have a chance. I don’t have a mortgage or anything so, in this moment, I’m just trying to decide about the bridge…

Best wishes, take care :/

Remember no one can take what you haven’t got. A debt company can’t send you to prison. Whatever you owe and whoever you owe speak to them. Don’t ignore the letters. Explain your financial situation. Offer them a lesser amount that still gives you enough spare money to enjoy life but at the same time starts to reduce your debts. Ask them to freeze the interest. They won’t say no. The worst thing to do is ignore the the calls and letters.

[lainey87 WANTED $5 Blocked]

Has to respond to this. Here’s my story and how to get out of the mess your in. Listen and forget what others tell you.. simple

6 years ago I was 14k in debt. Loans, credit cards, catalogs, phone contracts, pay day loans. Anything I could get my hands on. I had a cocaine and gambling addiction..

 

One morning at 5am after walking out of a casino. Broke. No money left. And I mean I maxed everything out I was walking home and stood on a train track bridge. I wanted to jump. But was too scared. Nobody knew about this 14k debt.

 

I eventually came down from the bridge and walked home. I lived with my dad.. I came home and told him I was 14k debt. He said… it’s done now.. you can’t do anything about it.. get on with your life.. so that’s what I did..

 

I ignored all the debts completely.. after 6 years they are statue barred. Forget bankruptcy.. after 6 years the debts are gone.. so the years went by, I ended up with 5 ccjs.. when you get a ccj you can ask the court to pay the minimum.. so I was on the dole.. I pay £1 per month for 6 years for each of those ccjs.. after 6 years they are gone.. I will still owe the money but I won’t be paying them a penny as the ccj leaves my credit record and they will have to take me to court again to get another ccj of they want there £1 a month again..

 

So Yes, just ignore them. Honestly.. pay your mortgage and ignore the loans and credit cards.. when they come at you with a ccj you have 30 day’s to pay anyway before it goes on your record. It’s not all as bad as you think..

 

I can’t be trusted with money at all.. I still gamble. I have a credit card. I don’t owe anything on it , I snapped it up lol.. I won 2.7k last month, clicked withdraw, reversed it and did £20 spins on kong megaways. Lost the lot.. but I’m not in debt..

 

Gambling gives you serious anxiety and depression. It ain’t worth it.. ur not chasing money. Your chasing dopamine that your brain releases.. it has nothing to do with money..

 

I watch bandits videos to stop me gambling. Plain and simple. He’s an idiot. He’s gaining off depressed people with anxiety.. but hey.. it’s a cruel world.. getting money from people who sign up? He has no idea what it’s like for these people. Most of them suicidal yet he’s making cash off them.. another story for another day..

 

Debt is east to get out of. My credit file has recovered. Yes I have 5 ccjs. But aqua have given me a card back, after my last debt with them was statue barred..

 

Don’t jump. Don’t do anything stupid.. don’t pay them.. just get on with your life.. in 6 years you will be debt free if you listen..

 

And I stop gambling when I don’t have access to cash.. get wages paid to mrs.. if you don’t have cash you can’t gamble..

 

U can’t win it back.. uve gone too far.. but in 6 years you can be debt free.

 

Enjoy life..

[Haz40 WANTED $1,166 Outlaw]

That is the worst advice I’ve ever heard from lainey87. For starters once you acknowledge the debt it is impossible for the debt to become statute barred. You have entered into an agreement by paying £1 a month therefore keeping the debt alive until either you die or you have paid the debt off. Ignoring letting and calls risks baliffs coming to your house. Even if the goods in your house are not yours they can still be removed if the rightful owner has no receipts or proof of ownership. Work with the companies you owe. They will understand and by law your priority bills must be paid first. Rent/mortgage council tax etc. You will be probably asked to complete an income and expenditure form to see what you can afford to repay. Don’t leave yourself short and remember if you ever have the opportunity to repay the debt in one payment most debt companies will accept up to 75% discount as full and final payment. This will go on your credit report as only partially settled for 6 years. Ignoring debts is the worst thing to do.

[Anonymous WANTED $110 Inactive]

lainey87 wrote:

Has to respond to this. Here’s my story and how to get out of the mess your in. Listen and forget what others tell you.. simple

6 years ago I was 14k in debt. Loans, credit cards, catalogs, phone contracts, pay day loans. Anything I could get my hands on. I had a cocaine and gambling addiction..

 

One morning at 5am after walking out of a casino. Broke. No money left. And I mean I maxed everything out I was walking home and stood on a train track bridge. I wanted to jump. But was too scared. Nobody knew about this 14k debt.

 

I eventually came down from the bridge and walked home. I lived with my dad.. I came home and told him I was 14k debt. He said… it’s done now.. you can’t do anything about it.. get on with your life.. so that’s what I did..

 

I ignored all the debts completely.. after 6 years they are statue barred. Forget bankruptcy.. after 6 years the debts are gone.. so the years went by, I ended up with 5 ccjs.. when you get a ccj you can ask the court to pay the minimum.. so I was on the dole.. I pay £1 per month for 6 years for each of those ccjs.. after 6 years they are gone.. I will still owe the money but I won’t be paying them a penny as the ccj leaves my credit record and they will have to take me to court again to get another ccj of they want there £1 a month again..

 

So Yes, just ignore them. Honestly.. pay your mortgage and ignore the loans and credit cards.. when they come at you with a ccj you have 30 day’s to pay anyway before it goes on your record. It’s not all as bad as you think..

 

I can’t be trusted with money at all.. I still gamble. I have a credit card. I don’t owe anything on it , I snapped it up lol.. I won 2.7k last month, clicked withdraw, reversed it and did £20 spins on kong megaways. Lost the lot.. but I’m not in debt..

 

Gambling gives you serious anxiety and depression. It ain’t worth it.. ur not chasing money. Your chasing dopamine that your brain releases.. it has nothing to do with money..

 

I watch bandits videos to stop me gambling. Plain and simple. He’s an idiot. He’s gaining off depressed people with anxiety.. but hey.. it’s a cruel world.. getting money from people who sign up? He has no idea what it’s like for these people. Most of them suicidal yet he’s making cash off them.. another story for another day..

 

Debt is east to get out of. My credit file has recovered. Yes I have 5 ccjs. But aqua have given me a card back, after my last debt with them was statue barred..

 

Don’t jump. Don’t do anything stupid.. don’t pay them.. just get on with your life.. in 6 years you will be debt free if you listen..

 

And I stop gambling when I don’t have access to cash.. get wages paid to mrs.. if you don’t have cash you can’t gamble..

 

U can’t win it back.. uve gone too far.. but in 6 years you can be debt free.

 

Enjoy life..

if you own nothing and you in benefit court can order to pay min amount,but his not on benefits he owns 50% of his house and earn 50k a year,court can easy give order to take his house and pay off his debts,when bank or debt company take the rights of the house they sale on action cheap to get their money back fast,for him best is to remortgage pay debts

[PsychicSnail WANTED $111 Outlaw]

@Iainey87 Not only is it terrible advice, it’s also a horrible attitude. They are his debts (and yours in the past). Why the hell should he not pay at least a good chunk of it off if he can.

If you don’t pay your debts, then somewhere down the line I do. And why the hell should I bear the burden of your stupidity.

[La Lanny WANTED $19 Blocked]

debt is healthy you earn 50k a year there is no problem !your family still love you,and your friends will be ok in time,you have your health these companies build in losses and offset it with tax returns etc,I’m in 50k of debt my only regret is it’s not 100,000k a good credit history is propaganda that costs a fortune to maintain,company’s will always give you credit if your on 50k a year,have a beer kiss the wife and kids and take no notice,and the world turns

[La Lanny WANTED $19 Blocked]

Psychicsnails attitude is a perfect example of social engineering taught from junior school and reinforced by corrupt governments who have a very lavish lifestyle off the backs of hard working people,so go point your finger in there direction.(much love)

[Biohazard WANTED $675 Outlaw]

Go see the doctor for all the stress then claim esa £500 a month at least you’ll have some money coming in good luck

From the great mind that brought us this.

The world isn’t out to get you. Get a grip, and some accountability while you’re at it.

[snake_city WANTED $19 Outlaw]

Well it’s good to see he has responded and thanked everyone that has put a helpful comment on here.

[Rb Rbreen91 WANTED $493 Outlaw]

snake_city wrote:

Well it’s good to see he has responded and thanked everyone that has put a helpful comment on here.

Let’s be fair, he wasn’t after advice.

[snake_city WANTED $19 Outlaw]

Rbreen91 wrote:

snake_city wrote:

Well it’s good to see he has responded and thanked everyone that has put a helpful comment on here.

Let’s be fair, he wasn’t after advice.

Sucks when random ppl don’t give you money.

[Author]

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