www.iva.co.uk

Posted: **Sat Jun 23, 2012 9:03 pm**

Just looked at my Wonga account, i borrowed £400 from them, paid 3 lots of interest totaling nearly £500 and still owe them £719 what an idiot i have been!!!

Sorry for rant xx

Posted: **Sat Jun 23, 2012 9:41 pm**

Rant all you like!!

We hate Wonga - there is just something so wrong about those adverts.

Take heart from the fact that they will be covered under an IVA.

Posted: **Sat Jun 23, 2012 9:48 pm**

Never used a pay day loan but got to the point when i was taking cash out on the credit cards to pay back in the bank.That is just so bad so dont be to hard on yourself.

Em

Posted: **Sat Jun 23, 2012 9:48 pm**

I know where Id like to stick those sliders lol x

Posted: **Sat Jun 23, 2012 9:56 pm**

Shrews - my wife did the same with the cards (I knew nothing about it a the time). Would never do payday loans though.

Posted: **Sun Jun 24, 2012 6:34 am**

The Government should do something about these firms?
They are just legal loan sharks. They disgust me,preying on people who are desperate.

Posted: **Sun Jun 24, 2012 9:06 am**

They have had their money back plus a bit of interest and i still owe nearly double what i borrowed in the first place its heartbreaking xx

Posted: **Sun Jun 24, 2012 10:04 am**

I can imagine it is heartbreaking, desperate times however resort to desperate measures. We're not here to judge, just to support. You'll be protected by IVA x

Posted: **Sun Jun 24, 2012 4:01 pm**

I cant wait to get started im definitely going to go with VB xx

Posted: **Sun Jun 24, 2012 4:07 pm**

and I'm confident VB will give you great service. x

Posted: **Sun Jun 24, 2012 11:25 pm**

They'll all be covered by the iva and you will be protected once the iva is up and running.

I suppose they have a place in the financial services market, but blow me if i know anyone who hasn't been caught out by the high interest rates.

Posted: **Mon Jun 25, 2012 10:43 pm**

As oters have said they will be included and you will be protected...we have all been there and know what you are going through

Posted: **Mon Jun 25, 2012 11:08 pm**

I never had a pay day loan as I thought they were the same as loan sharks and was a bit scared! I did have some very persistant creditors and lots of threats of debt collectors etc. I never knew whether i was going to find one sitting at the kitchen table as I lived in a shared house at the time and anyone could have let them in LOL.

God they were dark days...it seems unreal now and I can't believe how bad it got.

They'll be a distant and fading memory for you too StupidAgain!!! It won't be long before you are protected by the iva.

x

Posted: **Wed Jun 27, 2012 11:18 am**

Ive never had a payday loan, but i will say it disturbs and annoys me when i see there adverts and when i walk through birmingham city center, they have shops (shops is that right??) everywhere and always someone outside pestering you to go in and borrow. I always walk past but you see the "customers" in there shops queuing.

I just hate those that prey on the most needy with there over the top interest rates and pressure.

I know they probably have a place but i would rather sell a relative first.

*i don't mean to offend or upset anyone just my view.

Posted: **Thu Jun 28, 2012 1:25 am**

That's incredibly aggressive marketing, particularly in a financial services environment.