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Am I doing the right thing? Advice and help needed please!


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Hello everyone,

 

Ok here goes.....I am currently on a DMP with the CCCS (has been nearly 4 years now) and I was doing really well with it......then some eegit decided to access my Microsoft Xbox account and left me with little money to live on (debit card was linked to it). I panicked (I have OCD) and I now owe the amounts below to various payday loan companies:

 

£400 - Payday Express

£299 - Wonga

£125 - Minicredit

 

Total = £824

 

I've now stopped and will not take out anymore! I believe that I can get out of this mess with this option which I currently have access to:

 

27th April - Pay Wonga back in full, Payday Express is already extended until May payday and Minicredit is due at the end of May anyway

 

25th May - Pay Payday Express in full and extend minicredit until end of June

 

I will just about be able to cover the above plan and will still have money to live on. My husband is fully aware of the situation but should I tell the CCCS? I feel really guilty.

 

Thanks x

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Write to them and tell them you need a repayment plan. You have a medical condition which you cant control. Should it ever go near a court, you can always get a doctors note.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the advice but I really just want to get them paid off as soon as possible. I can pay half this month and then half next month as I am on a pretty good wage.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Share on other sites

Just make sure you arent neglecting higher priority debts and do not tell the pdl that you are on a good wage.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Be wary when extending a payday loan with Minicredit.

 

Pay them off as soon as you can.

 

To add to this make sure you get a breakdown of the debt before you pay, as they will throw on charges randomly for no reason and tell you that it has to be paid.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Guest Peer Lawther

Hi katpuss,

 

Please don't worry, and please avoid taking out further payday loans.

 

As you're already a client of ours I would recommend that you give us a call. We'll help you find a solution to your current situation.

 

I hope this helps.

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