Debt

Debt

Im getting myself into shitloads of debt so stupidly and im not paying bills. ive spent too much time living a lifestyle i cant afford

i know a lot of u are party animals, so im wondering if im the only one or not?

just got a letter from some company on behalf of o2, i owe em 335 quid..

i work, but i also drink too much and gamble a lot.. think my new year is a time for bucking my ideas up.

Your credit rating will also be fucked meaning when you go for a mortgage or bank loan or any type of higher purchase you will be paying premium interest rates.

Your well fucked mate.

Re: Debt

your propper fucked then aint ya

I'm not great with money (no savings, a few credit cards) but avoid getting into debt if I can, mainly because I work in debt collection and have seen the consequences too many times.

Re: Debt

Snap. The day before New Years Eve O2 took £369 out me bank. I hadn't bothered reading any of my mail because, with my office being closed over Christmas, it's like a 2 week bender - nothing get's in my way.

I've paid it but, I too am also fucked financially because of late payments. Which is bloody ironic considering I work in a bank sorting other people's finances out. If only they knew

Not funny really though

Hope you get yourself sorted mate. The worst thing to have is a black mark over your name because of daft mistakes.

yeah - grow up a bit

sounds like you've got a baliffs agency after you - u must have ignored that bill for months and months instead of 1 simple phone call to them to work some payment plan out. thats all it takes in most cases. if the baliffs are now coming - there's no chance - they'll want the full whack. far too late.


Hope u don't live at home and fuck your parents over.

Re: Debt

maaan i wish i had debst like that

mine r silly

stop gambling and find god.

only he can lead you into the light.

Re: Re: Debt

the only problem is things stay on your credit file for 6 years even if they are satisfied

Re: Re: Debt

there is no such thing as gettin ur account blackmarked

u can always get credit from somewhere

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the people we give mortgages to is unreal, people whove been bankrupt, missed mortgage payments allsorts, they get rates of about 8% like

Re: Re: Re: Debt

Yeah like scummerswhooweshitloads.com Free finance for anybody who can prove there alive ! typical apr 175%

aye ive been thick as fuck lately, over christmas i blitzed a lot of cash and was ignoring letters cos i was scared of what was in em.

i earn enough money to make payments but im just so fucking crap with money. ive gotta get a grip cos its getting worse.

aint really gambled lately, but drinking over christmas got rid of all my funds and more.

gotta ring this company up cos i dont understand the letter. hope they accept credit card! hahaa

If your that bad with money arrange with them to pay a proportion off it off every month, on pay day for example. That way your not just creating more debt by adding it to another card (where your only going to have to find the money to pay it at a later date too). Most companies will want the money in full, but if you actually propose to pay off on specific dates so much, they'll easily agree to your terms.

Unless you've totally fucked them over............

debt is only a bad thing if you cant afford to pay it back, I have LOADS but can afford all the minimum payments. Not in a position to pay them back yet but that day will come


just pay everything by standing order or direct debit if you have to. Do it on or as near as to pay day as you can.

Ive got a standing order from my bank account to my savings account which moves across £50 on payday. Then if i am skint half way through the month i know i have atleast 50 bob to keep me going. Plus if you dont need it then you are less likely to spend it if its not in you standard account

you need to be careful not to end up with ccj's because of not paying your bills...

tell them you want to work out a way to pay them back instead of ignoring the letters...it doesn't ever go away (until you pay it off)

my advice to you is to not go out for several months & try to et yourself back on track

yeah thats what i plan on doing.

i get about 1000quid a month cash, im trying to get myself some plumbing work on the side. with the new year n all im gonna stay in for a while. pay things off.

its only really o2 thats on my back, i hate the fuckers

so u think if i phone this company up and propose a payment (i can give them 200quid right now) they might accept that as a start.?

My finances are fucked im selling my house so ill be able to pay the majority off so there is light at the end of the tunnel, but my credit is fucked now

Its all about getting your prioritys right financially and for the last year i havent, im glad in a way my credit is fucked cos it will stop me getting in this situation again for a long time

my problem is that all my mates want to do is go to the pub... or stay in and get a crate and a takeaway.

i spend money almost every day and i still like treating myself to things i dont need. i aint been too bad for the last week so i hope to keep it up

Good luck to ya, i wish i could buck my ideas up, its amazin what money i spend and have not a thing to show for it