When I first wrote The Downward Spiral of Pay Day Loans I had no idea of the response I would get. I was expecting the odd comment from a friend here and there, but I was overwhelmingly wrong. Over 3,000 people have read my blog, and something I never expected, I have been approached by a national newspaper and a local newspaper who both want to share my story and my experience with the public.
I’m still getting negative comments, in fact, I’m going to share this one with you:
“So you think you’ve had it hard because you owed a few quid to a pay day loan company and had a bit of trouble paying it back. You haven’t got any idea how hard some people’s lives are, living hand to mouth trying to keep a roof over their heads, working all hours and still never having any money for food let alone a tyre for their car. Get a grip you spoilt little brat. Posting blogs on Facebook, surely if your mum is in your friends list then she’s bound to read it and bail you out. Why else would you post it!”
Firstly, £2,000 is not “just a couple of quid” and I do know how hard peoples lives are, trying to keep a roof over their heads. My parents house was repossessed and we were homeless at one point. I know you’re probably thinking, “Well, surely that would have taught you a lesson not to get in debt?” It did in a way, I’ve always known not to get a credit card/store cards because of this. I never thought for one second that PDLs would get me in trouble, I was 19, naive and care free.
Secondly, I work all hours and still have no money – my average hours are 45 – 50 hours a week, so you cannot tell me what I don’t work for my money. I am in no way a spoilt brat, and yes, my mum is on my friends list on Facebook, but I did not expect her to bail me out. I was willing to pay it all back on my own, I had monthly payments set up and I would have happily paid it back by myself. My main aim writing this blog is to get my story out so that people won’t fall in to the same trap as I did. I needed to tell my friends and family what my situation was, because I was starting to feel that I couldn’t cope, and I feel a hell of a lot better for telling them. After I replied to this person, she proceeded to call me The C Word. Unbelievable. I can’t say that I wasn’t expecting negative comments, but the person who commented this seems very ignorant to me, it doesn’t matter how old you are, being in debt is a daunting thing and it’s horrible no matter how much you owe. A few people have shared their stories with me and have told me that I am not alone in this. It’s crazy how many people are in debt, it seems like the norm these days.
After writing my second blog, I sat down and went through my bank statements since 2009 to see how much I have borrowed and how much I have paid back. I was sickened by what I saw. Since 2009, I have borrowed a little shy of £8,000 and I have paid back just below £14,000. That’s £6,000, to put it bluntly, I have pissed up the wall. I started to think what I could have done with that £14k and I wish I didn’t. I could have got a new car, I could have gone to so many gigs and festivals, I could have gone on holiday, I could have got a new wardrobe for every season and more! I lost out on this money because of my stupidity. If only I didn’t take out that first loan…If only
It’s only been 10 days since I’ve had no money and I still haven’t taken out a PDL. My phone’s been disconnected because I haven’t paid the bill, but I refuse to go down that route again. I am not going to let myself down as well as everyone else. I’ve got 19 days until pay day and this seems like the biggest test of my life, time is going so slow. I really do feel like a drug addict that’s gone cold turkey. I’ve been invited to the pub a few times and declined every time. I’ve had several invites for friends birthdays, work nights out and Halloween for the next month but I can’t. I’m not going to give in and get a loan. I think I have finally grown a back bone. I’m not going to lie, the temptation is there, on average, I get 4 text messages a day from PDL companies claiming that I can get up to £1,000 in my account within the hour and I get approx 15 e-mails from different companies offering the same. I go onto auto-pilot when I receive them, they get deleted as soon as I see them.
I’m proud of myself but then again, I still have 19 days to go…