Yet again, i'm balancing payday loans, I only got paid a few days ago, but have already had to take out another payday loan so I can pay off the payday loans I have due for partial payment in the next few days, this doesn't even include those ones due early next month. I actually sat down yesterday, and worked out, if I got a £3000 or even a £2500 (it's just possible) loan, I could pay them all off, and pay off my credit card (which I have been paying the minimum on) and pay my bills, as well as paying off the debt.collection agency who I am paying £90 a month to, and be back in the clear. I can easily afford to pay £200 a month back, and have enough to comfortably live on, the only thing is, no bank or respectable finance company will even countenance giving me a loan. I can not get a guarantor (or I don't know of anybody who would be a guarantor for me), and, because of ny bad financial history, no one else will give me a loan.
Due to mistakes I made when I was younger, and being paid a lot less than I am now, I am stuck in a bad place financially, I am given no opportunity at all of fixing my bad credit history, I am just stuck in a financial black hole, where eventually, every single penny I earn will go on payday loans, meaning that my rent etc won't get paid. I'm already not paying my bills, which, again, leads to bad credit rating, it really is a vicious circle.
If anybody.knows of any solutions at all, can you let me know, because I really am at my wits end!
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