Hi Everyone, Hope you are all doing well. I am just looking for a little reassurance that I am doing the right thing really. I have been in debt since 2012 with payday loans, to say they have ruined my life is an understatement, I know I have responsibility for this, but as you all know, desperate times call for desperate measures. I have emailed in complaints currently, to Sunny, Wonga, MyJar, QuickQuick, WageDay Advance AND MoneyBox247. During the years of 2012 – 2016, i took out so many loans with them all, the main ones being Wonga, QuickQuid and MoneyBox247. It go so bad, at one point i nearly had to go into bankruptcy, but was saved by my family with a £26,000 loan in 2014, so it does show me paying back a loan or two early, but as I stated in the emails, it wasn’t because I was able, it was because of the above. I am just looking for opinion really, do you think I stand any kind of chance? I just hope I’m not wasting my or their time with it. 247 MoneyBox. 5th March 2013 – £110 borrowed – £141 paid back 27th March 2013 – £185 borrowed – £262 paid back 1st May 2013 – £300 borrowed – £439 paid back 28th May 2013 – £480 borrowed – £692 paid back 15th June 2013 – £80 borrowed – £156 paid back 10th July 2013 – £300 borrowed – £404 paid back 26th July 2013 – £100 borrowed – £171 paid back 30th July 2013 – £480 borrowed – £692 paid back 5th August 2013 – £400 borrowed – £551 paid back 7th September 2013 – £300 borrowed – £412 paid back 12th September 2013 – £100 borrowed – £133 paid back 20th September 2013 – £480 borrowed – £698 paid back 22nd January 2014 – £125 borrowed – £211 paid back April 2014 Loan – 30th May 2014 – Extended current loan – Paying back £671 on 27th June 2014 After this loan, I had to take a big helping hand from family in the form of a £26,000 loan as from all of the loans the previous year and up to May 2014, I was in serious financial troubles and close to bankruptcy, so this stopped me lending from June 2014 – January 2015. 26th January 2015 – £200 borrowed – £252 paid back 13th February 2015 – £150 borrowed – £168 paid back 9th March 2015 – £400 borrowed – £473 paid back 2nd April 2015 – £380 borrowed – £468 paid back 20th May 2015 – £125 borrowed – £167 paid back 10th June 2015 – £150 borrowed – £170 paid back 9th July 2015 – £150 borrowed – £177 paid back 29th July 2015 – £384 borrowed – £479 paid back 3rd September 2015 – £300 borrowed – £367 paid back 22nd September 2015 – £80 borrowed – £104 paid back 30th September 2015 – £400 borrowed – £499 paid back 31st December 2015 – £411 borrowed – £509 paid back 7th January 2016 – £200 borrowed – £286 paid back 18th January 2016 – £300 borrowed – £403 paid back 12th February 2016 – £300 borrowed – £417 paid back Wonga – This is by far the worst. 2nd February 2012 – NEW LOAN £100 – £132 29th February 2012 – NEW LOAN £250 – £333.62 9th March 2012 – Topped up previous loan – £75 – £325 Total – £431 to pay back. 11th March 2012 – Topped up previous loan – £70 – £395 Total – £521 29th March 2012 – £580 NEW LOAN – £771 to be paid back. 4th April 2012 – £100 NEW LOAN – £133 to pay back 9th April 2012 – Topped up previous loan £100 – £201 Total – £261 to pay back. 25th April 2012 – Topped up previous loan – £50 – £251 Total – £319.40 to pay back. 2nd May 2012 – £100 NEW LOAN – £133 to pay back. 6th May 2012 – Topped up previous loan £250 – £350 Total – £453 to pay back. 7th May 2012 – Topped up previous loan £200 – £550 Total – £711 to pay back. 2nd June 2012 – £250 NEW LOAN – £374 to pay back. Had to pay late – Received late payment email on 29th June 2012. 9th July 2012 – £100 NEW LOAN – £133 to pay back. 27th July 2012 – £790 NEW LOAN – £1077 to pay back. 29th July 2012 – Had to contact WONGA as unable to meet repayments and had to set up a repayment arrangement. I was making payments of £269.00 for four months, last payment was made on 30th November 2012. Immediately after this repayment plan finished, I was still in big financial difficulty, which my credit check and affordability checks would have shown, also the fact that only a few months prior i just finished a repayment arrangement, I don’t feel I should have been leant to. I was desperate, how ever Wonga should of known better. 1st December 2012 – £250 NEW LOAN – to be paid back. 6th December 2012 – Topped up previous loan – £50 – £298 Total – £397 to be paid back. 7th December 2012 – Topped up previous loan – £50 – £348 Total – £465 to be paid back. 7th December 2012 – Topped up previous loan – £50 – £398 Total – £532 to be paid back. 8th December 2012 – Topped up previous loan – £121 – £519 Total – £685 to be paid back. 6th January 2013 – £50 NEW LOAN – £69 to be paid back. 11th January 2013 – Topped up previous loan – £120 – £170 Total – £219 to be paid back. 11th January 2013 – Topped up previous loan – £50 – £220 Total – £285 to be paid back. 11th January 2013 – Topped up previous loan – £50 – £270 Total – £352 to be paid back. 11th January 2013 – Topped up previous loan – £50 – £330 Total – £418 to be paid back. 11th January 2013 – Topped up previous loan – £50 – £380 Total – £485 to be paid back. 29th January 2013 – NEW LOAN £570 – £745 to be paid back. 31st January 2013 – Had to contact Wonga again to inform them of my financial problems, and needing to set up a repayment arrangement again. In arrangement from 31st January – 4th June 2013. 10th June 2013 – I applied for a new loan, and Wonga again re borrowed to me. I find this very responsible, when I have been in to repayment arrangements previous to this now, along with a very worrying lending pattern. 10th June 2013 – NEW LOAN – £400 – £481 to be paid back. 12th June 2013 – NEW LOAN – £120 – £146 to be paid back 17th June 2013 – NEW LOAN £98 – £115 to be paid back 17th June 2013 – NEW LOAN – £110 – £145 to be paid back 17th June 2013 – NEW LOAN – £53 – £65 to be paid back 17th June 2013 – NEW LOAN – £61 – £75 to be paid back 28th June – I again had to email Wonga and inform them of my financial problems to set up once again, a third repayment arrangement. I was in this arrangement from 28th June 2013 – 28th October 2013 paying £120 back each month. 1st July 2013 – I finished my arrangement in June, and again was allowed to re borrow from Wonga. 1st July 2013 – NEW LOAN – £449 – £595 to be paid back. 25th July 2013 – NEW LOAN £220 – £239 to be paid back. 14th August 2013 – NEW LOAN £552 – £646 to be paid back. 19th February 2014 – NEW LOAN £106 – £125 to be paid back. February / March – A loan of around £1000 was taken out, I am unable to find confirmation of this in emails, but 30th March – £1353.40 was due in one single payment to which I had to change the promise to pay day on and extend from the end of February. 23rd March 2014- I AGAIN had to contact Wonga in regards to setting up ANOTHER repayment plan due to being in financial troubles – THIS IS MY FOURTH REPAYMENT ARRANGEMENT WITH WONGA IN TWO YEARS. 28th April 2014 – 28th January 2015 Arrangement – I was paying back £156 per month 27th September 2014 – I was emailed like many millions of others, to be told my most current and recent loan, was included in their affordability issues – No others! Just this one! And the remainder of my balance was wiped off, totaling 4 x £156 payments that i had left to make. Again, after having 4 repayment arranges with Wonga – They allowed me to borrow again. 13th December 2014 – NEW LOAN £250 – £283 to be paid back. 15th December 2014 – NEW LOAN £100 – £114 to be paid back. 15th December 2014 – Top up of previous loan – £100 – Total to be paid back £437 28th December 2014 – NEW LOAN £250 – £312 to be paid back. 3rd January 2015 – Topped up previous loan – £100 – £120 to be paid back 3rd January 2015 – Topped up previous loan – £100 – £479 to be paid back. 4th January 2015 – Topped up previous loan – £94 – £591 to be paid back. 12th February 2015 – NEW LOAN £150 – £168 to be paid back. 17th February 2015 – NEW LOAN £100 – £108 to be paid back. 2nd March 2015 – NEW LOAN £350 – £420 to be paid back. 22nd March 2015 – Had to set up ANOTHER REPAYMENT ARRANGEMENT! This my 5th in total in the space of 2012 – 2015. I finished paying off my loans on the 3rd July 2015. Quick Quid – Is a very similar store to Wonga, including two repayment arrangements and with them being told i was in financial problems, and they re borrowed again. I am very sad about it all, but I know you have all been in the same boat, and will not judge. I appreciate anything you can help with. It has only been a week, so I am sure it is a long road ahead, but out of curiousity, I do wonder if my story may have any hope. Thanks so much, Lillyx

Hi I was wondering if one of the mods would be willing to put something in writing to reassure my other half. Six years ago TODAY (15th Aug 2006) I received the last of a series of defaults on my credit file following identity fraud. I have posted on this site over the years for help and won against DCAs, including ones that tried to issue me with CCJs. Thanks to absolutely rubbish help from the police I have never been able to prove who committed the fraud (I know who it was) so have basically had to wait for a few defaults to drop off my file: A couple of companies were more helpful including Halifax who wrote off £14,000 I alledgedly owed them when I proved it wasn't me. I would like to assure my other half that after today my credit file is clean, as in, the defaults are removed 6 years after being placed there. I am going to apply for my credit file to physically show him in about two weeks (give the credit company a little while to remove the defaults), but I would like to be able to show him something in the meantime - so far he has only been able to take my word for it and is worrying that it will affect his credit status and ability to get a mortgage in the future. I would like to take this opportunity to thank this site, you saved a 24 year old girl who was scared of her own shadow losing sleep and turned her into a 30 year old woman who smiles at the 'threatening' letters full of ifs, buts and maybes and is no longer afraid to admit it is her speaking on the phone when random callers ask. Through this I have been able to help others and will always direct them to you guys. You are genuinely saving lives through this site.

Background My daughter is a tenant in a shared house on a (joint) AST which runs from July2011 until June 2012. Unusually, the landlord required a new AST agreement (From July 2012 until June 2013) to be signed by the 3 tenants already in December 2011. I signed as guarantor for my daughter for both tenancy agreements based upon the fact that she was receiving a maintenance grant from Student Finance. She was never provided with a copy of the tenancy agreement in either case. In January this year, she decided (for a number of reasons) to drop out of Uni and moved out of the house. Over the last 5 months she has found a number of potential replacement tenants that have all been (initially) approved by the other 2 tenants only to have them rejected at the last moment without any reasons being given. Two of her potential tenants were even given viewings by the landlord who then recommended them to the others but these were also rejected without any reasons being given. My daughter has religiously paid the rent over the last 5 months but cannot afford to pay any more as she is now an apprentice on a very low income. The landlord has stated that he cannot take sides or show favour to anyone and has said (quite rightly) that cooperation is needed. Unfortunately, all attempts by my daughter to make contact by telephone or email receive no reply. They are holding her to ransom and this cannot continue. The landlord has made no efforts to mediate or to help in finding a new tenant. The landlord is now chasing me for the unpaid rent for June 2012. Due to these events, I started to research my liability as guarantor. Here are the facts as they pertain to me. 1. The landlord sent guarantor "forms" for me to sign. They simply state that I agree to stand guarantor for my daughter and to pay any rent or costs from a breach of the Tenancy Agreement . They are not deeds and only contain the address of the rental property. Only my daughters name is mentioned and there is nothing mentioned about how much the rent is. 2. No accompanying letters (requiring me to study the tenancy agreement) were sent and the only copy of a tenancy agreement I have ever seen is one I requested from the landlord on the 1st June this year. 3. The landlord maintains that there is a "template" tenancy agreement on his website and this is sufficient for me to have seen what my responsibilities were. 4. The CAB have advised me not to pay but it was not a solicitor who provided the advice. I would simply like to know where I stand and if I have a reasonable defence if this ever comes to the small claims court. Thanks in advance for any advice you can give.