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19th January 2019 at 6:13 pm #40428
Ok so we are getting somewhere. Still not covered everything though.
This is the last piece I will contribute on this.
If the payday loans won’t accept a quid a week, tell them in no uncertain terms that they can fuck off and die. The loans are not secured on your property and your credit file is already in the tank.
When they knock at your door, tell them to fuck off and die as well. They will threaten bailiffs; when they turn up tell them to fuck off and die. They have no right to enter and seize goods. Only court appointed bailiffs can do this. Not the mickey mouse idiot who turns up with a clipboard thinking he’s god.
Focus on working and getting some money behind you and start again with it slowly. Do not agree to any dmp that leaves you on such a shoe string. You need money to live and a little bit forma rainy day.
Don’t let the situation overwhelm you. Speak to the companies again. If there’s no money there then they can’t get it. If they threaten to sell the debt then let them. Deal with that when your in a more stable position
Go one day at a time. Write everything down that you owe and work out something that looks realistic. It’s not a race at your age to get it all paid off as soon as possible.
119th January 2019 at 6:15 pm #40431I offered to pay realwhiskers first payment of his debt management plan so he didn’t have a deferred or missed payment on his record.
I completely understand people scepticism, and that’s all well and good.
But people helped me when I was down and I’ve always insisted on spreading the love when I am in a position to.
Theres no real point having a go at him, if you don’t want to help then don’t.
The fact remains that none of us will ever know what going on.
and if I get stung then so be it, at least I know I done what I could to help out.
219th January 2019 at 6:19 pm #40436I offered to pay realwhiskers first payment of his debt management plan so he didn’t have a deferred or missed payment on his record.
I completely understand people scepticism, and that’s all well and good.
But people helped me when I was down and I’ve always insisted on spreading the love when I am in a position to.
Theres no real point having a go at him, if you don’t want to help then don’t.
The fact remains that none of us will ever know what going on.
and if I get stung then so be it, at least I know I done what I could to help out.
You’re extremely kind superlou!
People like you and Andy really do restore faith in humanity ☺️
19th January 2019 at 6:20 pm #40437I’m going to keep saying. Right mate do this. I’m not saying it again Monday morning ring everyone you owe. Ask to speak to relevant department. Write down what you get paid and what you pay out. Make sure you leave it that you have maximum £100 left after bills. Do not include the 486 in your expenditure. Ask them if they will freeze the interest and offer £10 a month for 6 months. Simple. Make sure you do it.
19th January 2019 at 6:22 pm #40439And Whiskers is outta here!
Wow hes a strange one.
If you come back to this thread mate please write in simple effing words what it is exactly what you want here.
No pulling on heart strings…no conveluted stories….no bullshit.
Just say EXACTLY what you want and we will help you if we can.
Stop beating around the bush.
19th January 2019 at 6:23 pm #40440Ive been there.
im not a super human, I’m not wealthy, I’m just a normal human.
but if I can help him then I’ll be happy too.
if it was all a massive ploy then it’s my loss and I’ll learn from it going forwards.
but you have to treat every situation differently, you can’t tar everyone with the same brush.
19th January 2019 at 6:25 pm #40441Ive been there.
im not a super human, I’m not wealthy, I’m just a normal human.
but if I can help him then I’ll be happy too.
if it was all a massive ploy then it’s my loss and I’ll learn from it going forwards.
but you have to treat every situation differently, you can’t tar everyone with the same brush.
Its not that were tarring everyone with the same brush, this guy clearly has issues but I for one can see straight through the crap with him.
I dont want you to have to get burnt by this guy, thats the only reason theres any doubt.
19th January 2019 at 6:29 pm #40442I don’t agree with judging everyone without thought but if you look through previous history it speaks for itself.
its only my opinion but I strongly get the impression he was after a bandit handout, to him the bandit is a known quantity, he knows he has a few quid and that justifies it being okay to accept something. He wasn’t willing to take anything from a ‘normal’ person because it mattered and meant something. Now after all this time is it a case of take what he can and run, who knows but guess we will find out. Hope i’m wrong and he is genuine I really do
119th January 2019 at 6:31 pm #40443I appreciate your concern Quazzi.
if I pay hes first payment directly to step change then at least the money doesn’t touch his hands and there’s no room for error.
i just hope if I was in a similar situation people would help me also.
It’s funny because I have been waiting over 2months for a payment for works I’ve done(I’m a plumber) and I was walking to work because I was struggling like hell, and nobody helped me.
i got a partial payment from the client and because I know what it is to struggle I thought I’d help.
19th January 2019 at 6:32 pm #40444He has been a member on here since Feb 18 . That’s got to count as a positive for him .
19th January 2019 at 6:32 pm #40445Its pure bollocks. In one of his last posts he set up a gofundme page and provided the link.
He wants raw cash end of story.
I for one wont be stung by this lad.
Im a soppy guy and have a big heart, but this stinks of pure bull shit.
Harsh but somebody had to say it.
Hes going round in circles not stating ONE FUCKING TIME what he wants. Fk this im out
119th January 2019 at 6:33 pm #40446Ive been there.
im not a super human, I’m not wealthy, I’m just a normal human.
but if I can help him then I’ll be happy too.
if it was all a massive ploy then it’s my loss and I’ll learn from it going forwards.
but you have to treat every situation differently, you can’t tar everyone with the same brush.
Its not that were tarring everyone with the same brush, this guy clearly has issues but I for one can see straight through the crap with him.
I dont want you to have to get burnt by this guy, thats the only reason theres any doubt.
How are you so so sure?
I find it AMAZING your a Social Worker to be honest yes you might well be correct but you might well be wrong. How the hell are you being impartial?
19th January 2019 at 6:35 pm #40448Ive been there.
im not a super human, I’m not wealthy, I’m just a normal human.
but if I can help him then I’ll be happy too.
if it was all a massive ploy then it’s my loss and I’ll learn from it going forwards.
but you have to treat every situation differently, you can’t tar everyone with the same brush.
Its not that were tarring everyone with the same brush, this guy clearly has issues but I for one can see straight through the crap with him.
I dont want you to have to get burnt by this guy, thats the only reason theres any doubt.
How are you so so sure?
I find it AMAZING your a Social Worker to be honest yes you might well be correct but you might well be wrong. How the hell are you being impartial?
From the numerous threads hes created and turned down multiple offers of help? Is this not enough?
19th January 2019 at 6:36 pm #40449Lets not all start getting heated with eachother over whiskers problems. Hes obviously just after the attention plus a Bandit handout.
And he Still hasent said what he wants.
19th January 2019 at 6:37 pm #40450 -
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