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payday loans

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  • 28-05-2014 5:37pm
    #1
    jmommy11
    Registered Users Posts: 12 ✭


    So i am unemployed and suddenly find myself with a massive money problem i have received unexpected bill and mycar is needing tax and insurance renewal and with rent etc i cant afford them all this week . Also i have been cut off social welfare due to a clerical error and will now not receive money until june 13th. Does anyone know a payday lender besides provident (dont want to deal with them) ? Before ppl suggest it the bank wont lend to me because of being unemployed and im not with credit union and relatives cant help. Any advice????


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    #2
    Tails142
    Registered Users Posts: 2,117 ✭✭✭Tails142


    Payday loans make no sense, apr is usually like 5000%, you would be much better off not paying the bill, getting the bus instead of the car etc etc


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    #3
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    Tails142 wrote: »
    Payday loans make no sense, apr is usually like 5000%, you would be much better off not paying the bill, getting the bus instead of the car etc etc

    Thanks for the comment ya i know they make no sense but for a quick solution there are no other options, i live in the middle of nowhere so no bus service and need car to drive child to school and if i dont pay for esb we will be sitting in the dark


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    #4
    Oryx
    Subscribers Posts: 19,425 ✭✭✭✭Oryx


    Contact st Vincent de paul. They may help. A payday loan will only make things much worse.


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    #5
    Dozen Wicked Words
    Closed Accounts Posts: 10,325 ✭✭✭✭Dozen Wicked Words


    You could always try and tell esb the situation, no idea how accommodating or otherwise they would be but maybe worth a shot.


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    #6
    efb
    Closed Accounts Posts: 35,514 ✭✭✭✭efb


    Can you not go to the community welfare officer?


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    #7
    tayto lover
    Registered Users Posts: 51,902 ✭✭✭✭tayto lover


    You should call to your local MABS and they will help you with advice, letters etc. They are very good and will deal with the ESB, Banks etc on your behalf.

    Good luck OP and don't despair.


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    #8
    efb
    Closed Accounts Posts: 35,514 ✭✭✭✭efb


    Please avoid Payday lenders


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    #9
    Sonics2k
    Registered Users Posts: 8,248 ✭✭✭Sonics2k


    Do NOT go near lenders, they are a compete scam and it won't end well. You'll end up even more in debt.


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    #10
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    efb wrote: »
    Can you not go to the community welfare officer?

    Good advice thanks i will try


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    #11
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    Sonics2k wrote: »
    Do NOT go near lenders, they are a compete scam and it won't end well. You'll end up even more in debt.

    Ya i will avoid if at all possible i totally agree with everyone that its a bad option


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    #12
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    Sonics2k wrote: »
    Do NOT go near lenders, they are a compete scam and it won't end well. You'll end up even more in debt.

    Ya i will avoid if at all possible i totally agree with everyone that its a bad option


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    #13
    dudara
    Registered Users Posts: 33,518 ✭✭✭✭dudara


    Not a Consumer Issue. Moved to Banking & Insurance & Pensions

    dudara


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    #14
    Tails142
    Registered Users Posts: 2,117 ✭✭✭Tails142


    I'm with bord gais, I noticed if I pay late there is no penalty, so there is free credit for a start. Probably the same if you're with electric Ireland. I don't have a direct debit set up though, if that gets refused bank will usually charge you.

    For car tax, there is usually a two month grace period before the gardai will seize the car off you, you run a small chance of being fined for no tax, most garda would let you off if you're only a month or two out of date though I think. So there's another option for free credit, you will have to go in person to pay the motor tax arrears, can't do online, and you pay the 3 monthly rate rather than the discounted annual rate but it's an option.

    For the insurance, you've probably no option but to pay it, some insurers require an upfront deposit when paying monthly but maybe not them all? Wouldn't advise driving uninsured

    Just saying, doubt anyone got rich paying all their bills on time as long as there is no penalties involved


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    #15
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    Thanks ya i think i do have options and ive never been late on esb etc so im sure if im a week late with esb and car tax its not a big deal and i will pay insurance. Thanks for everyones advice and helping me to stop panicing


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    #16
    x43r0
    Registered Users Posts: 4,278 ✭✭✭x43r0


    On the point of the ESB bill

    I know from a family member who is a manager with ESB that despite them being slightly more expensive on average compared to the other suppliers, they are by far the most lenient when it comes to cutting people off. They try to give them as much time as possible before turning the power off


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    #17
    JoeySully
    Registered Users Posts: 1,276 ✭✭✭JoeySully


    As said before motor tax, bottom of the list, don't park on the street or the parking attendant could give you a €60 fine for not displaying a valid tax disk. You will be able to sweet talk yourself through any checkpoints once everything else is in order. You will have to pay arrears but they are not that much more that the months tax anyway.

    Insurance! don't drive without it!!!

    Rent, talk to your landlord, make an agreement to pay maybe 50 or 75% and an arrangement for paying the arrears. Make sure you make the next payment and it will ensure you are trustworthy if it happens again.
    Do the same for the ESB. If they don't agree then tell them %50 is all you got and just pay that. There is no fines for paying less/late. You will have to refuse to pay you esb for several months before you get cut off.

    Don't Fret too much :) we all go through times like these from time to time.


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    #18
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    So i had it worked out a bit in my head all have most of the stuff paid just had to pay car insurance today and contact electric ireland about the bill which is due on 5th .... until i went to bank just now and see that electric ireland took dd yesterday a week early leaving me now with zero money and no insurance . Why do companies do that they give u a payment date and then take the money a week early leaving me with no money for even feed my child


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    #19
    28064212
    Registered Users Posts: 10,632 ✭✭✭✭28064212


    You can do a no-questions-asked reversal on a direct debit under SEPA rules.

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    #20
    jmommy11
    Registered Users Posts: 12 ✭jmommy11


    28064212 wrote: »
    You can do a no-questions-asked reversal on a direct debit under SEPA rules.

    Ok i didnt know that. Would u know how i do that is it something that i can do online ? Not sure how it works


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    #21
    28064212
    Registered Users Posts: 10,632 ✭✭✭✭28064212


    jmommy11 wrote: »
    Ok i didnt know that. Would u know how i do that is it something that i can do online ? Not sure how it works
    Depends on the bank. BOI: http://personalbanking.bankofireland.com/bank/sepa/direct-debit-change-requests/ - under "Refund Direct Debit Payment(s)". Not sure of the process for other banks

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    #22
    unclebill98
    Registered Users Posts: 3,816 ✭✭✭unclebill98


    Surprising to say the ESB are very helpful when you contact them before they start chasing you. They actually do provide flexible and affordable payment plans and may suggest the use of a pay as you go meter which is helpful for some folks.

    I'd agree with avoiding money lenders as you have mentioned.


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    #23
    murphaph
    Registered Users Posts: 19,020 ✭✭✭✭murphaph


    This is not a personal dig at you OP but the crazy planning policies in Ireland that have allowed house out in the middle of nowhere as the OP puts it are coming home to roost now. The OP is screwed because he lives so remotely. If he lived in a village he'd be able to walk the child to school.

    OP: Is there any way at all you could come to some arrangement with a neighbour who has a child in the school to bring your child as well if you pay the petrol? You need to get rid of the car if at all possible until you're back earning enough to run it. Could you cycle with your child to school?

    You already know that those payday loan shark crowds are only going to make things much worse. Chin up anyway...hope things get better for you soon.


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