Microloans from MFIs without guarantors - think before you

Artem gambler

In general, the story is this. I started playing three years ago, but never bet more than 300 rubles. Yes, I could lose 20 percent of my salary, but then I stopped and lived until the next paycheck. A year and a half ago I met a girl, we started dating, everything seemed to be fine, but I still gambled a little. A year ago, something happened to me that I will probably never understand. Having lost a certain amount, which was approximately equal to my salary (30,000 rubles), I thought about taking out a loan. In 26 years of my existence, I have never taken out loans. I have a car, worked and, as it were, did not need. And then I met an MFO. The first loans at 0%, of course, why not take it and pay it back with my salary. I took it - lost. I took it from another - lost. In general, in two months I collected about 60,000 rubles. When I extended them, interest began and then I realized that everything was a collapse. Interest is dripping every day, not small, and I had nothing to pay with. I told my family everything, told my future wife, they helped, closed everything. But not everything. There was about 12,000 left to give to one bank, but I decided to close this issue myself. That time I was wrong. I did not play for two months, proposed to a girl and then I was covered again. I again took out MFOs and when I came to the edge, I turned to friends who lent me 150,000 rubles and I closed everything. And then the question arose, how to pay? When the wedding was played, I owed 150,000. I thought I would talk to my wife again and pay from the money given to me. I talked, she cried for a long time - you promised, why are you doing this? I myself, in tears, cannot explain why everything is like this. I gave it to my friends, and there was also a card on which I had to cover the limit of 15,000 rubles, my wife and I agreed that I would close it with my salary, but I, a complete moron, gave half of my salary to my wife, and instead of closing the other half, I lost it again. And everything starts over again. MFO, loan, banks. I lost 150,000 rubles in a month. And in order to close the MFO, so that the exorbitant interest would not drip, I took everything from the gifted money. Now there is no money, and I still owe about 100,000 rubles. I don’t know what to tell my wife, she will not forgive me for the third time. And I realized that I am sick. I sincerely want to end this, but the realization that I can be left alone with my problem at a broken trough, scares me.

Total: I lost about 700,000 rubles in a year. And I still have debts. I don’t know what to do. I want to quit gambling forever, but I think this is the end. I don’t have children, we’ll probably get divorced. I have a car, an apartment. I understand that I can screw it all up. I need advice, help. I’m sick, I realize it. I don’t know what to do.

Ivan64

In December I won 345k. Withdrew. Scattered. Left 100k for the New Year holidays. Before the New Year, I had 150k in the pot. After the New Year, during the holidays, I had 150k in the pot. They won't give me a loan. I took out a loan in my wife's name. Like, to pay taxes. Took 170k. Extended 80k loans. Didn't pay it off, extended it. I poured the rest into the casino. I tell my wife that I took 170k to the bailiffs. The result is deplorable.

I've just turned on blocking unknown calls. Everyone's screwing me. 15 MFOs or more. And every day I pour in 5-20k in the hope of getting out of it. Although if I didn't gamble, I could pay off half of my debts. But I can't. Like a fucking drug addict.

I will pay off my debts. But the interest is accruing. I will pay them back in time. I would now take out a loan for about 300k and pay it off in 2 months. But they won't give it to me anywhere because of the bailiffs. I didn't pay the taxes on time. They took the BMW. Lost it. They wrote off triple the fines from my card. It's a total mess. Now a lawyer I know is sorting it all out

Survivor
I'm falling into the same trap once again, I closed it I don't know how many times, now it's hanging at 85,000 UAH again, at 2% per day, it's just idiotic to take something like that, but my brain was in a fog. It's better to close it immediately with the MFO, otherwise they'll screw with your brain and your loved ones, while they'll only offer to pay for the body, in general, hold on, friends

Marginal
An adequate person in their right mind will never take a loan from an MFO. But this is not about us, we will take it now and win it all back, fucking heroes. Because of these microloans, I am sitting in a dead-end situation. I am looking for a way out like a madman, but so far without result. The picture is as follows: there is a debt of 35,000 to the MFO, well, and payments on credit cards in Privat: mine, my father's and mother's. In a month, I will squeeze out a maximum of 14 thousand in earnings. It turns out that half of the salary will go to loan payments. The other half - stupidly pay off interest in the MFO. Microloans for 35 thousand - this is a monthly payment of 7,000 interest, and this is under the best conditions: promo codes, loyalty program, etc. Of course, there are no interest-free MFOs left. MFOs don't really give loans to my wife, the reason is that her brother took out loans a couple of years ago and gave up on them. That's how it is in life.
Relatives are broke, no one to borrow from. There are two good friends, one sometimes helped out, there were savings, but recently bought a car and also with zero. The second - also without money. Both are officially employed and theoretically could help, but my conscience does not allow me to impose myself with a request to take a loan, and they themselves do not offer help. But that's all, you can understand them. In general, the option to borrow from someone from friends and relatives is zero.
I applied to banks, about 20 different institutions. Everywhere I was refused, although I wanted to receive a small amount - 25,000 hryvnia, a thousand dollars in short. If earlier in Ukraine credit cards were issued to everyone, and it was possible to get a loan, now it's a complete disaster. Since 2014, several dozen banks have gone bankrupt. And now there are very few of them, the number of clients per bank is simply off the charts. As a result, no one gives me even 20 without official employment and a certificate of income. It seemed like something was hatching with IdeaBank, but for three days they kept messing around with my head and everything fell through.
There are various credit unions and other financial organizations of dubious reputation left. I don't want to get involved with them, because there is a big risk of driving myself into even more trouble.
So it turns out that in order to stabilize the financial situation and gradually get out of this shit, it is necessary to find 25,000 hryvnia, which became a stumbling block. Otherwise, I will pay monthly interest on credit cards with MFOs and stupidly stand still. Such a prospect. It could be worse, of course, but now, when you understand that you will work every day, and there will be no progress, it is difficult to find motivation. On the other hand, if I don’t work, the snowball of debts will completely destroy me.

Survivor
Extending is a dead end, not paying is an even bigger dead end. I'm already making the most of the promotions.
It sounds trivial, but it’s better to borrow about $1k and put it on an MFO, otherwise you’ll only pay off the interest. I myself have about UAH 30k left in an MFO, I’ll look for a loan at interest, it will still be more profitable than feeding these freaks from MFOs.