My debt is with some payday loan companies... can't see them being to understanding but thanks for the advice mate il give it a go
Stepchange deal with all your creditors so you don't have to speak with any of them. I'd get on with it sooner rather than later.
Not really appropriate
Loan companies such as above proving they are just leeches sucking the life out of society. s**m
Hello there,
Thank you to those who flagged the post that advertised loans. It was highly inappropriate and we have blocked the user who posted that.
Best wishes,
Forum Admin
I just feel fufc that you are looking at this the wrong way. Make an appointment with the citizens advice bureau and start speaking to people who can help and advise you.
Ive been a credit controller and there is a time where debt must be faced to the point whether you can pay it or not. There is no point transferring the debt to higher interest if you are struggling anyway.
The important point with debt is that you cant let it worry you ill. There is a point where they cant get blood out of a stone and will have to freeze interest and get what you can afford to pay. This can be as low as £1 as the law says you need certain living expenses. Sure after a full court process thay can take assets but I never had any assets to clear my debts or I would have considered that
Your mental health is far more important and stopping the gambling is crucial
Ive declared bankruptcy but its not the end of the world as there is life after bankruptcy
You are allowed money for food and clothes in any debt management plan. I would say take a step back breathe and work out why you want anything to do with another loan company. They are not offering an invite to the party if that means debt.
Take it easy and best wishes from everyone on the forum
Have you thought about your local credit union they are normally higher in interest rates but might be able to help?
Affected by gambling?
Looking for support?
We are available 24 hours a day, every day of the year. You can also contact us for free on 0808 80 20 133. If you would like to find out more about the service before you start, including information on confidentiality, please click below. Call recordings and chat transcripts are saved for 28 days for quality assurance.