| Message |
Author |
 Posted: Wed Mar 08, 2006 3:54 pm Subject: Ok i caved... |
|
|
My story is waaaaaay to long to tell today.
|
|
polly
Site Admin
Joined: 02 Mar 2006
Posts: 1800
Debtcc Points: 22928
|
|
|
| Posted: Wed Mar 08, 2006 5:20 pm Subject: |
|
|
Yay Polly! 
_________________
Register today to encash debtcc points.
|
|
Guest
Debtcc Points: 100
|
|
|
| Posted: Wed Mar 08, 2006 5:25 pm Subject: |
|
|
sweet.....LOL....glad you decided to join us COOL kids!
~Mary
|
|
Mary
Moderator
Joined: 23 Jan 2006
Posts: 1462
Debtcc Points: 22219
|
|
|
| Posted: Wed Mar 08, 2006 8:22 pm Subject: |
|
|
Welcome pollyandsay
_________________
"No amount of time can erase the memory of a good cat, and no amount of masking tape can ever totally remove his fur from your couch." Leo Dworken
|
|
twokidtwocat
Joined: 31 Jul 2005
Posts: 628
Debtcc Points: 37777
|
|
|
| Posted: Thu Mar 09, 2006 5:20 am Subject: |
|
|
Welcome to our forum family pollandsay.
|
|
NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
|
|
|
| Posted: Thu Mar 09, 2006 6:35 am Subject: |
|
|
Welcome, this is a great place.
|
|
landrylou
Joined: 04 Nov 2005
Posts: 310
Debtcc Points: 5182
|
|
|
| Posted: Thu Mar 09, 2006 9:00 am Subject: |
|
|
Welcome 
|
|
jj
Moderator
Joined: 24 Oct 2005
Posts: 1044
Location: Washington State Debtcc Points: 8585
|
|
|
| Posted: Thu Mar 09, 2006 6:37 pm Subject: |
|
|
Glad to see you registered with us, polly We can learn more about you in your posts.
_________________
RYDERS OF THE NIGHT
|
|
CowampChicken
Joined: 20 Dec 2005
Posts: 3682
Debtcc Points: 36188
|
|
|
| Posted: Wed Mar 22, 2006 11:15 am Subject: |
|
|
I just received a very kind pm from maryanne, and responding to her words finally allowed me to open up to someone. Below is my reply to her. Please accept this as 'My Story'. Prior to this reply, my pride, shame, embarassment, and my own personal denial has not allowed me to be forthcoming with any of you. I look forward to 'seeing' so many of you everyday in cyber space, and I want to thank you all for being here. This website has become a real place of comfort and solitude for me over the last 2 weeks. Peace to you all. Here is 'My Story'...
| Quote: | It was my own ignorance and irresponsibility that got me in this payday loan mess. I fully admit that. With that being said, the further that I probe into these companies, the laws that either exist or do not exist, I get really angry.
Last year I was having a minor financial difficulty, and I seeked temporary help. The payday loan industry preys on those of us who are stuck between poverty and middle class. Those of us who live pay check to pay check, struggle to pay our mortgage, and choose what bills are priorities, and which ones can be set aside temporarily so that we can buy groceries. When I went in for my first loan, they were counting on me having to come back and renew in 2 weeks. They lent me more than I made in a 2 week time period, and then the fees were on top of that! I realize that this company I first dealt with was operating within the scope of the law, but where is the morality? How can someone sleep at night knowing that they are profiting from a 400% interest rate, and their clients are probably wide awake with stress and anxiety. How can someone morally lend someone more money than what they can pay back in 2 weeks? My payday became my debt day and it went on for months. I had to keep taking out loan after loan to cover the existing loans. I got rejected from an internet lender that I had perfect credit with, (I had borrowed twice, and paid them back in full) because of too many teletrack inquiries, (thank god for them, because that was my wake up call) and alas I was already a client with an outstanding loan at every single store in my area. I had nowhere else to borrow from, and I was 6k in debt. I had no choice but to stop paying, because I spent an entire pay check in January on fees, and I had no money for groceries, gas, or bills. My checking account is nearly a grand in the hole from NSF fees. I know that I will eventually be sued by many of the store front lenders, and my check will be garnished. I fear that I will eventually lose my home. I am scared to death. It is hard to type all of this into words, because I live most days in denial of the situation that I am in. I am a single mom of two children, and if I cannot provide for them, there is nobody out there to reach out too. I am far better off than many single moms, in that I own my home and I have a good career, but I fear that in 6 month's time my life is going to fall apart.
By doing this research into these companies, although it is insignificant in the grand scheme of things, it is my little way of coping with my emotional distress. If I can help a few people who are in the same boat that I am right now, it makes me feel better about my situation. This message board has definitely restored my faith in humanity. There are so many kind hearted people here with a willingness to help others. It is refreshing since we live in a world where businesses and our government want to screw us over daily. I've always lived by the golden rule, yet when it came to these internet lenders when I realized that they are not operating legally, I do not feel guilt in settling with them myself, and helping others to do so. I need to get a game plan together on how I am going to pay the store front lenders. I need to get myself out of this denial that I am living with and charge at it head on.
You know what maryanne, I think I am going to post this message in the 'my story' section, because I doubt I will be able to open up like this again for awhile. It is really painful when the daily denial passes for even 20 minutes.
Thanks for your kind words. |
|
|
polly
Site Admin
Joined: 02 Mar 2006
Posts: 1800
Debtcc Points: 22928
|
|
|
| Posted: Fri Apr 21, 2006 4:47 pm Subject: |
|
|
You have already done so much to help others, I know many people here that have been able to get loans forgiven because of information you researched for them.
|
|
set4sail
Joined: 03 Jun 2005
Posts: 418
Debtcc Points: 7618
|
|
|
| Posted: Fri Apr 21, 2006 6:19 pm Subject: |
|
|
You are a hero to many on this board,you,with the help of a few others here,gave me the courage to fight the Payday people,and even won a few of the battles.I am also a single parent,with no help coming in from my ex-husband,so I understand where you are coming from,its hard to see your children going without,but you are strong and will come out of this,we do what we have to do to provide for our kids,but no matter what,they will always love you,and thats what gets me thru the hard times.
_________________
"No amount of time can erase the memory of a good cat, and no amount of masking tape can ever totally remove his fur from your couch." Leo Dworken
|
|
twokidtwocat
Joined: 31 Jul 2005
Posts: 628
Debtcc Points: 37777
|
|
|
| Posted: Fri May 12, 2006 12:41 pm Subject: |
|
|
Polly---your story is an inspiration to all because of your determinedness to do something about your nowhere situation. As a fellow single mother, applaud and trying to what is best for your family. Yes your financial situation can be depressing, we all understand that feeling. But, the more important thing is you are not staying in that situation and realize that for the emotional and financial well being of you and your family something has to change. The first step is always the hardest. I know.
|
|
Lorri
Moderator
Joined: 27 Apr 2006
Posts: 1722
Debtcc Points: 20924
|
|
|
| Posted: Tue Jun 13, 2006 2:49 pm Subject: |
|
|
Thanks everyone for your kind words. I have been very busy lately, and not had the time to help as I once did, but I am going to get my blog very functional soon. I hope it helps many:)
|
|
polly
Site Admin
Joined: 02 Mar 2006
Posts: 1800
Debtcc Points: 22928
|
|
|
| Posted: Tue Jun 13, 2006 5:08 pm Subject: |
|
|
Jeez Polly!!!
Sure miss you!!!!! Hope everying is going ok for you!!!!
|
|
erzeke1
Moderator
Joined: 26 Mar 2006
Posts: 1180
Debtcc Points: 16272
|
|
|
| Posted: Tue Jun 13, 2006 6:53 pm Subject: |
|
|
Yes we miss you Polly!
Glad I could talk to you on YIM today. Hope to see you around the forums more soon! Love ya.
|
|
Jessi
Moderator
Joined: 01 Dec 2005
Posts: 3466
Debtcc Points: 20208
|
|
|
| Posted: Tue Jun 13, 2006 7:27 pm Subject: |
|
|
Oh Polly, I feel your pain....I was in the same boat as you & many others on this forum. It SUCKS...I tell you what, YOU & SET4SAIL were so helpful to me in getting myself out of this mess. I couldn't have done it w/out you guys. I think about it all the time......what I would have done if I would not have stumbled onto this forum while at work crying & drowning in the PDL mess. When I drive down the street & see a payday loan sign, I want to run over the place. I just wanted to thank you.....and THANK YOU to everyone (especially SET4SAIL) on this forum.
|
|
lgall
Joined: 27 Mar 2006
Posts: 186
Debtcc Points: 3555
|
|
|
