payday plunge **

[ksmiggy]

Wasn't anything like that , they waived it on their own. have been very helpfull

[ksmiggy]

On another note, A&L have been more helpful, got through to a nice lady who directed me to a level 2 complaints person, who gave me the fraud dept number and said ask the police what to do first, they said it's a civil matter, ask the bank, so sitting thinking that's that, had the urge to call anyway and hey presto, I stuck to only claiming back the biggest payment, the one they took early, he asked if I had proof of due date , when I said yes,, he said ok will raise it as a chargeback, result, they had already said they would waive any charges anyway, but this means my account will not be O/D and I can close it.

 

So worth sticking at , just when you think it wont work and are ready to give up, remember , you don't know if you dont ask.

[segway]

ksmiggy - as someone about to embark on the process of coming to terms with payday loan debt (and repaying it sustainably), and as someone who has taken out loans with several of the companies you have mentioned, I would just like to say that I find your thread and updates very inspiring and encouraging.

 

Please continue to let us know how you get on, I aim to do something similar once I work out the basic budget/pro-rata repayment options etc.

[ksmiggy]

Thanks ,

I was hoping it would help some people, although there are far wiser and more knowledgable people on here, most of what I say is just reitterating their words, maybe with a cheery twist sometimes, but nevertheless, their words still, I'll wish you luck for now and anything you need to know ask and someone will answer.

Edited September 6, 2011 by ksmiggy

[tacobeme]

Hi Guys, I have just stumbled upon this forum/thread. I honestly thought I was the only person capable of getting into this muddle with these people (their websites are so inviting). Without a word of lie, I have barely eaten, or slept in as long as I can remember, foolishly telling myself the 'Ostrich approach' is working. It has been such a relief to find that there is a place like this that people can share their stories. Big thanks to ksmiggy for starting this thread; and of course to all those who have replied (your words have meant more to me than the initial loan that started this downword spiral) first thing tomorow i am going to make a list of all the priceless info in this thread. Thanks again :)

[ksmiggy]

I'm not in a position to donate at the min , so I do what I can , if I can help someone I will, I believe in plain speaking ( tactfully if possible) and fairness all round.

I had hoped this thread would help others get the courage they needed to sort their mess out without cracking up in the process.

When I started all this I too was panicing and thinking allsorts of things could happen, i had a good search round the site and found the same as you did, many people in the same boat.

There are many helpful stories on here with a vast amount of information, I find something new nearly every time I come on here.

 

Thankyou for your kind words, it does make it all worth while knowing it is helping some people to overcome the fear of facing it all.(helps me feel I have paid CAG back a little too for all it's help )

Facing up to it is probably the hardest part, so if you make it this far, give yourself a big pat on the back knowing your halfway there, then take a deep breath and steadily work your way through them .

Good luck

[ksmiggy]

Just checked on cashgenies site, my account is now showing as clear, they stood by their word and nothing was added. another one bites the dust.

[sillygirl1]

Congratulations, hopefully you will never again end up on the rollercoaster that is payday loans.

[ksmiggy]

still got a few more to go yet, but getting there.