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Thread: I've had it.

  1. #1

    Default I've had it.

    I've fucking had it, I decided to get a pay day loan because I'm struggling to pay my shit off, so I got one right.

    So, my mother wants $200 this week leaving me ABSOLUTELY NOTHING to pay it back, like WHAT THE ACTUAL FUCK.

    I don't know why she pulls stupid shit like this, than she pulls well I should be getting the extra $50.

    Seriously I've fucking had enough of this, and I'm so close to doing something bad, she does stupid shit like this at the worst possible times.

    That being said It was only for a month and two payments which I could of completely paid off, but no mother completely fucking changes her mind and demands me give her 99% of my fucking payment.

    Worst part is I can't god damn tell her about the pay day loan because she will want all of it putting me in even more debt, why the fuck is my life this bad.

  2. #2

    Default

    First off, don't "do something bad". Seriously. I think I know what you mean by that and it's not worth it. *hugs*

    Secondly, your parents suck. Mine do too, just in different ways. Have I mentioned that my father refused to contribute a dime to my college education because he allegedly felt that I "wasn't capable of completing a degree"? Yeah.

    Next, indeed, don't tell your mom about your finances if all she does is take advantage of them. If anything she probably deserves a guilt trip from you. Squeeze HER for money instead if you're in such dire straits, and if she doesn't yield, I'd point out that it means she doesn't care about you. And I'd put it pretty bluntly to her. But before doing that, you need to work out a backup plan in case she kicks you out of the shitbox you're living in. Actually, you should probably do that anyway, this is clearly a very toxic situation for you.

    When you find a way out, whatever it is, you can stand up to your parents and give them a choice: get into shape or get lost. That's what I had to do with mine. >.>;;

  3. #3

    Default

    You need to make absolutely sure you repay the full amount of the payday loan on time. The penalty charges and interest rates are astronomical.

    If you keep on using payday loans and get further into debt, a few thousand pounds debt can quickly rack up to TENS of thousands of pounds in interest charges and fees.

    If you seriously don't have the money, defaulting on your repayments is definitely worth considering rather than getting payday loans.

    Don't tell your mother about the loan, tell her about your debts and how bailiffs are going to show up on HER door if she doesn't bail you out (or at least stop demanding money from you).

  4. #4

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    Tiny is absolutely right. The only answer here is to tell your mom no. Make up some sort of excuse, any excuse, but don't let her do this to you. It took me a while to say no, but at my age, I find it's very easy. It comes with aging and maturing, so now is a good time to get some practice in.

    I'm guessing you have to pay rent or something like that to your mom? Regardless, tell her you don't have the two hundred dollars and that she'll have to wait for it. We all have to wait for things. It's part of life.

  5. #5

    Default



    Quote Originally Posted by tiny View Post
    You need to make absolutely sure you repay the full amount of the payday loan on time. The penalty charges and interest rates are astronomical.

    If you keep on using payday loans and get further into debt, a few thousand pounds debt can quickly rack up to TENS of thousands of pounds in interest charges and fees.

    If you seriously don't have the money, defaulting on your repayments is definitely worth considering rather than getting payday loans.

    Don't tell your mother about the loan, tell her about your debts and how bailiffs are going to show up on HER door if she doesn't bail you out (or at least stop demanding money from you).
    Yeah I'm fully aware of all the pitfalls of payday loans, first one ever, but it was because I needed the extra cash to pay my internet bill (and a few other bills), I was 100% certain I could pay it, and I can, just my mother pulled a dick move and decided at the last minute she wants $200, I told her to fuck off, and I'm paying it back anyway.

    Also I'm not going to get another one, I've seen what it does and how it effects people (dad used to get them all the time) but it's not something I'm going to do again, just was struggling a lot.

    Parents never pay their internet, and it gets capped to 1.5kbps, and there is no way I can use that speed to do any study, which would result me in failing as it would take weeks to sort it out.

    That and I start uni in a bit over a week, so it's not something I can risk.

    My mother is so money hungry, reason I'm in debt is because of her, and I'm finding it impossible to get out of as no one wants to hire someone who failed high school. quite depressing actually.

    Lets say my mother is a lot like this, a loan shark, give me this or you'll end up on the street, or if you don't pay $X.XX I'll call the police and kick you out, it's really a dick move, and honestly if she kicks me out and I end up homeless, we all know what would happen to me, I wouldn't be able to cope and I would die from something bad.

  6. #6

    Default

    I'm not sure how it is done in Aus, however in the states, a form of collateral, such as the title to a car, or at the very least, proof of employment is required for these loans.

    Did they issue you the loan because of your credit rating?
    Last edited by MommyandMattling; 01-Feb-2017 at 09:23.

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