Get rid of debt in 5 days! Urgent vulnerabilities and tricks

This feature is available if you are in a debt cycle [the amount you pay each month exceeds your income]. This is not for everyone, but it will change your life, just like a phone call, a letter, a sleepless night, and depression will end.

If you are at this point then you have to take drastic steps, there are many secret tips, tricks and loopholes that can be implemented to help achieve this. The bank does not want you to understand the vulnerability. Some of you can use some of them, others can use them, depending on your identity [single, married, platform]. So if you have been considering IVA, debt management, payday loans, bad credit loans, debt consolidation or just need debt advice - please read this.

Cancel all debit cards

Cancel all debit cards. why? If you charge a monthly fee and have a payday loan, loan, credit card, etc., they will have your card details and can use the PDU machine to debit your account at any time without your plan or understanding. A large part of the payday wages are available every month and never let you leave this cycle. Have you ever expected the feeling of the end of the month, then check and view more than half of the day's salary at the ATM or online, then sink into the day, everyone else is spending the night outside?

So, cancel all of this, call your bank and ask them to accept the fraud team [only they have the right to completely stop your account] say your card is stolen, someone has your password and report [now no company can Remotely debit your account] Now, on the same day, walk into another bank and open a basic account. This is the lowest account. Literally, you can only deposit and withdraw money, no overdraft [they must legally provide you with enough ID cards, or threaten to go to the Financial Ombudsman].

Now put all available cash and arrange your salary in your monthly account, which means you can now get 100% of all the money on the payday.

Contact all creditors

Payday loan company
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  Call them and tell them that you have lost your job, then move back with your parents and can't afford to pay back. They will know that once they are unemployed, they cannot expect you to pay the full monthly repayment. Allowing such a possibility as a lender's trap, they will offer a lower amount or simply pay the loan amount without interest and so on. Using some simple template letters, you can provide them with a repayment of £20 a month, send extra letters, and prevent them from calling you and making mobile calls at work. Be prepared to take steps such as text/letter/telephone to say that you are going to the court, red letters saying that the police are coming, these are used to scare you, it makes no sense.

credit card
from

  Recover the cost - return to 6 years, simple, and will give you some cash in your pocket. When you receive a refund and deposit it into a new account, withdraw money from CashMachine. Then call the credit card company and tell them the same excuse as the payday loan. Continue to repay the plan and film the area at a minimum price of £20 a month.

Any other direct debit
from

  Now in addition to the council tax / gas / electricity - do you really need other services you pay? Call them or send a letter to record the delivery, quote the same excuse as above, and provide a lower amount for them to repay

Rental/tablet sharing
from

  If you are, a word, MOVE. This may seem extreme, but in a grand project, this is a great strategy. Stay in the same area or in different places. If you receive dozens of letters, DCA, Marshal, etc., you can use many letters to stop them [these have been mentioned in previous articles]. However, to get some breathing space, please move, then to the email office and set up a redirect from the old address to the new address. This means you will receive old mail, but they will not be able to track you to the new address. Obviously use your old address in all communications so you can send all your mail to your new address without writing a new address.

in conclusion -

Speak to your bank's fraud team and cancel all debit cards.

There is a new account, your salary goes in, and only basic direct debt comes out.

Recycle credit card charges and deposit the money into your new account

Written and written to all credit card companies and payday loan companies, stopped all accounts, and is now repaying the plan

Move and redirect all posts if needed.

For the first time in the history of paydays, there is a 100% salary, now you can start saving again!

In Part 2, I will show you how to make money quickly and start your savings, so you will never return to this situation.

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