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RE: got loan cant pay back - May 14 2008 18:23:38
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stone14
Posts: 5908
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From: north east uk
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quote:
ORIGINAL: Mobster
quote:
ORIGINAL: stone14
quote:
ORIGINAL: scruffy
is it a secured debt, a debt you brought goods with i.e hp, or just a loan, and did u take protection out ?
just got a loan for furniture n that for my new flat, no protection
How do you pay for the flat etc? I'm pretty sure you can. Even the avatar shows you using a Mobile phone to take the photo. If you can afford that you can spare £30.00 a month or so. See if you can sell it, cancel the contract and use the money. Ditto your internet access.
Often there is a few that you 'cannot do without' certain things. You can. You can 'do without' a TV, Sky, Video, DVD's and players, Broadband and the mobile. That's without getting into you taking on a ****ty job - say working in a fast food place or cleaning. I'd hate to hear that 'the pay is ****' yet see a post saying it's too, too hard to pay back the loan when you are almost certainly paying for net access to make the statement. You'll also have a bunch of stuff you can sell.
my fone is pay as you go, council pays my rent, my tv isnt werth much neither is dvd player. moblie fone is anchient
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
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start weight ..... feb 2004: 136ib
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RE: got loan cant pay back - May 14 2008 18:28:36
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stone14
Posts: 5908
Joined: Jan. 15 2006
From: north east uk
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quote:
ORIGINAL: Stone
they ripped you off yet you were in a position to choose whether to take the loan out of not, regardless of how much interest was added, you would have known.
i needed the cash for thing for a flat cos i had no cash to put things in it, i new the extra they put on was alot, but i needed the cash, wish i adnt getting it now but i needed it
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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RE: got loan cant pay back - May 14 2008 18:30:13
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tuc biscuit
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From: Manchester UK Joined: Jun. 12 1993 Posts: 98675
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have you tried literally everything to get a job? recruitment agencies? jobs you wouldn't normally do or want etc.?
not trying to be funny, trying to help, as defaulting on a loan or having an iva or going bankrupt is best avoided if possible
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RE: got loan cant pay back - May 14 2008 18:30:23
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Jax Demon
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Stone14 good luck in getting things sorted just dont let it get you down to much because its not worth worrying about to the point where your getting stressed over it
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RE: got loan cant pay back - May 14 2008 18:35:25
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stone14
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From: north east uk
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quote:
ORIGINAL: MMA Guy
quote:
ORIGINAL: stone14
its from barclays bank, they rippd me off anyway i got £4400 and have to pay £7300 back!
still dont see the problem here...you signed on the dotted line
they offered a service..you took them up on it
now your trying to wiggle out of it when TBH it appears you can pay the loan off, if you make some cut backs
im not trying to wriggle out of it, i get £45 per week dole thats about£6.40 per day thats for:
gas (which i only use to heat water for bath) i sit in the cold to save cash
elect (for fridge cooking food, lights at night etc, i do watch tv)
food £6.40 alone per day for food isnt much, thats without gas and elec
water rate £5 per week
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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RE: got loan cant pay back - May 14 2008 18:37:59
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stone14
Posts: 5908
Joined: Jan. 15 2006
From: north east uk
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quote:
ORIGINAL: tuc biscuit
have you tried literally everything to get a job? recruitment agencies? jobs you wouldn't normally do or want etc.?
not trying to be funny, trying to help, as defaulting on a loan or having an iva or going bankrupt is best avoided if possible
whas defaulting on a loan?
i dont have my wn business so cant go bankrupt
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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RE: got loan cant pay back - May 14 2008 18:38:01
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Jax Demon
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From: Leicester Shity
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Not much on dole is it but when you take in the fact they are paying your rent and council tax then it lowers the blow in a small way.
How much is rent for you each month?
Would it be worthwhile getting a job at a fast food place or a delivery driver?
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RE: got loan cant pay back - May 14 2008 18:39:42
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stone14
Posts: 5908
Joined: Jan. 15 2006
From: north east uk
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quote:
ORIGINAL: Jax Demon
Not much on dole is it but when you take in the fact they are paying your rent and council tax then it lowers the blow in a small way.
How much is rent for you each month?
Would it be worthwhile getting a job at a fast food place or a delivery driver?
my rents £85 per week, my dad pays the extra £35 per week which the council wont pay
all take any job realy, still looking shouldnt take long
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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RE: got loan cant pay back - May 14 2008 18:42:52
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Jax Demon
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From: Leicester Shity
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Tio he has nothing to sell lol not unless he wants to eat cold beans and sleep on the floor.
I do know one guy who for 4 years slept on the floor and just ate bread and gravy while struggling to bring his boy up.
If you can drive and know your way around places like Pizza hut are always looking for drivers and pay well
could tie you over for a few months until something better comes up.
Just dont let it get you down.
< Message edited by Jax Demon -- May 14 2008 18:43:04 >
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RE: got loan cant pay back - May 14 2008 18:53:51
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Mobster
Posts: 8246
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quote:
ORIGINAL: stone14
quote:
ORIGINAL: Mobster
quote:
ORIGINAL: stone14
quote:
ORIGINAL: scruffy
is it a secured debt, a debt you brought goods with i.e hp, or just a loan, and did u take protection out ?
just got a loan for furniture n that for my new flat, no protection
How do you pay for the flat etc? I'm pretty sure you can. Even the avatar shows you using a Mobile phone to take the photo. If you can afford that you can spare £30.00 a month or so. See if you can sell it, cancel the contract and use the money. Ditto your internet access.
Often there is a few that you 'cannot do without' certain things. You can. You can 'do without' a TV, Sky, Video, DVD's and players, Broadband and the mobile. That's without getting into you taking on a ****ty job - say working in a fast food place or cleaning. I'd hate to hear that 'the pay is ****' yet see a post saying it's too, too hard to pay back the loan when you are almost certainly paying for net access to make the statement. You'll also have a bunch of stuff you can sell.
my fone is pay as you go, council pays my rent, my tv isnt werth much neither is dvd player. moblie fone is anchient
Internet access?? What was the score with the job or lack thereof?
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RE: got loan cant pay back - May 14 2008 19:05:39
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187
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Joined: May 31 2007
From: southend essex
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well if your willing to do the hours you could get a decent wage each week.
mc donalds normally recruit and pay good money, almost £6 per hour which isnt bad for doing sod all (i worked there)
mcdonalds has bad stick as no one wants to be flipping burgers but its not that bad... staff are a good laugh to work with, you egt some weirdo's but who cares? jobs include serving which isnt brain science, each button has a sticker on it, you just press the sticker and take the money.
as for cooking, everything is on a timer so thats easy, and cleaning is mopping the floors or blasting the dishes with a hose.
none of it was hard work all all, it was just long hours and by the end of it you smell of chip fat and your feet ache, but who cares? £60 for a part days money.
you get a free meal as dinner so that cuts down on your food bills each week.
then you have bar work in the evenings, either in a pub or a club.
i did 10am - 6pm at mcdonalds then 10pm -5am/6am at the club.
was a killer but brought in £100 a day. (didnt do this everyday, about 3 times a week)
then you have evening work you can do cleaning offices, £6 per hour for hoovering, and thats not hard.
you could go down your local gym and ask if there are any jobs, cleaning etc.
clean drivers license? then there are hundreds of jobs about from delivering sandwiches to pizza delivery.
tesco pay good money for night work shelf stackers.
as do all the other supermarkets.
if you really want to work you can. there are hundreds of jobs out there. just most people dont like to do it as they think the jobs are 'beneath them'
good luck sorting the debt though.
as for the debt itself, contact barclays, let them know youve been laid off and that you wish to still make payments.
they 'might' renegotiate and make you pay smaller amounts but with higher interest.
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RE: got loan cant pay back - May 15 2008 7:50:39
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Incredible Bulk
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what did you blwo the money on?
car?
sell it and buy a cheaper one, it will give you a few £££ to pay off a few months loan repayments?
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RE: got loan cant pay back - May 15 2008 8:06:46
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tuc biscuit
Posts: 6454
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From: Manchester UK Joined: Jun. 12 1993 Posts: 98675
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quote:
ORIGINAL: stone14
quote:
ORIGINAL: tuc biscuit
have you tried literally everything to get a job? recruitment agencies? jobs you wouldn't normally do or want etc.?
not trying to be funny, trying to help, as defaulting on a loan or having an iva or going bankrupt is best avoided if possible
whas defaulting on a loan?
i dont have my wn business so cant go bankrupt
defaulting is basically not being able to pay it and not doing so
and anyone can go bankrput, not just business owners
the best thing you can do imo is to contact barclays and let them know your situation, let them know you want to pay it back and are seeking work and to maybe let you made reduced payments for the time being or come to some sort of compromise
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RE: got loan cant pay back - May 15 2008 9:22:07
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Mobster
Posts: 8246
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From: Gloucester United Kingdom
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quote:
ORIGINAL: MMA Guy
what did you blwo the money on?
car?
sell it and buy a cheaper one, it will give you a few £££ to pay off a few months loan repayments?
He's stated at least twice - setting up his flat. I still wanna know what the score with the job is/was.
_____________________________
http://www.wheyconsortium.co.uk/
Two times British Grip Champ (2006 and 2008)
To buy my Gripper Book from MT click here
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RE: got loan cant pay back - May 15 2008 19:04:45
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stone14
Posts: 5908
Joined: Jan. 15 2006
From: north east uk
Status: online
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quote:
ORIGINAL: Mobster
quote:
ORIGINAL: MMA Guy
what did you blwo the money on?
car?
sell it and buy a cheaper one, it will give you a few £££ to pay off a few months loan repayments?
He's stated at least twice - setting up his flat. I still wanna know what the score with the job is/was.
i lost my job, didnt resign
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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RE: got loan cant pay back - May 15 2008 19:17:57
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MrMauy
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Phone them up, explain the situation and ask if they can put a temporary stop on the loan while you sort a new job out.... say give you 3 months without payments (they may even be nice and pause interest but that's a golden egg)
Contrary to popular belief the banks would always rather have you pay back a loan than go through the court route, so long as you are open and honest with them in explaining the situation (which from the sounds of it is totaly outside your control) they are 99% of the time willing to help.
The sooner you make the call though the better, whatever you do don't wait untill you've missed a few payments and then phone them.
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RE: got loan cant pay back - May 15 2008 19:23:19
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187
Posts: 4255
Joined: May 31 2007
From: southend essex
Status: online
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also, be aware that there is a credit crunch on at the moment so im sure they will be more understanding... or they should be anyways.
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Got a question? Read the articles section here
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RE: got loan cant pay back - May 15 2008 19:26:18
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stone14
Posts: 5908
Joined: Jan. 15 2006
From: north east uk
Status: online
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do they put an extr charge cost on top of your loan for having to reduce payments etc
_____________________________
SIZE = FOOD
* steroids are an addition to a good diet and training routine not a miracle drug!
age: 24
height: 6ft2
start weight ..... feb 2004: 136ib
current weight 21/mar/08: 212ib
current stats: bulking
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