If you are in a debt cycle (each month's earnings exceed your income), this will be used for this. It does not apply to everyone, but it will change your life, just like phone calls, letters, sleepless nights and depression will end.
If you are at this point, then you must take drastic measures. There are many secret tricks. Tricks and loopholes can help achieve this. The bank does not want you to know the loopholes. Depending on your status (single, married, flat ha), some of you can use some of them and others can use some of them. So if you've been thinking about IVA, debt management, payday loans, bad credit loans, debt consolidation or just needing debt advice - read on.
Cancel all debit cards
Cancels all debit cards. why? If you charge every month and have pay day loans, loans, credit cards, etc., they will get your credit card details and can use your PDU machine to debit your account at any time without you planning or understanding . A large part of your monthly salary income is carried out every month and will never let you leave this cycle. Is there a feeling of expectation at the end of the month, then look at the ATM or on the Internet, see more than half of the salary in one day, and then sink into the day when everyone else wants to go out?
So, cancel them all, make your bank deposit and ask to be tricked into the fraud team (only they have the power to completely stop your account), say your bank card was stolen, and someone has your online password and report It (now no company can remotely deduct funds) Now, on the same day, walk into another bank and open a basic account. This is the lowest available account, and literally you can only deposit and withdraw money without overdrafts (they must legally open a bank account for you with a legitimate identity document or threaten the financial ombudsman).
Now put all available cash and schedule your salary every month in this account, which means that you will now have 100% of all your money on payday.
Contact All Creditors
Payday Loan Companies
Connect them all, telling them that they have lost their jobs and moved back with their parents and can no longer pay them back. They will know that once they are unemployed, they cannot expect you to pay the entire repayment every month. Demanding such a future becomes a trap for lenders, who will provide lower amounts or simply pay the loan amount without interest. Using some simple template letters, you can provide a monthly repayment of £20, send additional letters, stop them from calling you at work, and ring the phone. Prepare to adopt strategies such as text/letter/telephony. Say you go to the court and the red letter says the police are coming. These are used to frighten you and have no meaning.
Credit card
Charge back - 6 years back, simple and will give you some money in your pocket. When you receive the fee and deposit it in a new account, withdraw funds from CashMachine. Then call the card company and tell them the same payday loan excuse. Make a repayment plan and shoot a minimum of £20 a month in the area.
Any other direct debit
Now in addition to the council tax/gas/electricity - do you really need other services? Call them or send a letter record to deliver the same excuse as quoted above and provide them with a lower amount to pay for the return
Leasing/housing sharing
If you are, one word, move. This may seem extreme, but in the grand plan of things, this is a wonderful strategy. Stay in the same area or in different places. If you receive dozens of letters, DCAs, bailiffs, etc., you can block them with a lot of letters (these letters have already been mentioned in previous articles). However, in order to get some breathing space, move, then call the post office and set a redirection from the old address to the new address. This means that you will receive your old mail but they will not be able to track you to the new address. Obviously, use your old address in all communications so that all mail is sent to your new address without having to write a new address.
Conclusion -
spoke to the bank fraud team and cancelled all debit cards.
Your salary has a new record, only important direct debt appears.
Recovering credit card fees and depositing this money in new accounts
Making oral and written declarations to all credit card companies and payday loan companies, suspending all accounts, now paying in the program
If necessary, moving And have all publish redirects.
For the first time on payday, there is 100% salary, and now you can start saving!
In the second part, I will tell you how to make quick money and start to start your savings, so you will never return to this situation again.
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Orignal From: Releasing debt within 5 days! Emergency loopholes and tips
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