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Old 17-05-2011, 02:53 PM #1
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Default Have you ever been in debt?
I owe money for my council tax thing, it's all sorta got messed up o.o

It's only like £80 or something but they hound you like anything
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Old 17-05-2011, 02:55 PM #2
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yeah, mortgage, car loan, credit card bill.............not behind in my payments though
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Old 17-05-2011, 03:14 PM #3
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yeah, mortgage, car loan, credit card bill.............not behind in my payments though
this^^
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Old 17-05-2011, 02:56 PM #4
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Parents are :/
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Old 17-05-2011, 02:57 PM #5
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Yes. Let's leave it at that.
Last edited by Stu; 17-05-2011 at 02:57 PM.
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Old 17-05-2011, 09:21 PM #6
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Yes. Let's leave it at that.
ditto
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Old 17-05-2011, 02:58 PM #7
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I owe money for my council tax thing, it's all sorta got messed up o.o

It's only like £80 or something but they hound you like anything


You can pay it
then you are left alone

No Drinks for 2 weeks,
though
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Old 17-05-2011, 03:16 PM #8
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You can pay it
then you are left alone

No Drinks for 2 weeks,
though
I know Ah well lol
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Old 17-05-2011, 04:08 PM #9
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I know Ah well lol

It will not kill you.


Keep Your Chin Up.
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Old 17-05-2011, 04:35 PM #10
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It will not kill you.


Keep Your Chin Up.
Lend us a tenner Arista we'll go halves on a crate
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Old 17-05-2011, 08:07 PM #11
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Just ring them up Joe. They'll split the debt into monthly payments and spread it along the year for you. Been there myself plenty of times
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Old 17-05-2011, 03:15 PM #12
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si. I was lured into taking out a store credit card when I turned 18 <_<
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Old 17-05-2011, 08:14 PM #13
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si. I was lured into taking out a store credit card when I turned 18 <_<
Lloyds bank offered me a £1000 overdraft on my 18th birthday.

Obviously I took it.

WTF were they thinking though, they knew I barely made any money then as I used my bank for my wages


Lloyds are ridiculous for things like that though, they let my 16 year old(at the time) sister use an unarranged overdraft. Obviously the majority of 16 year olds would just see it as free money, to be fair on her though she only spent about £100 but it could have been more. And then they hounded her for it. Sharp shut up though when my mother went in and told them how illegal it was to give her credit at that age...
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Old 17-05-2011, 08:16 PM #14
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Lloyds bank offered me a £1000 overdraft on my 18th birthday.

Obviously I took it.

WTF were they thinking though, they knew I barely made any money then as I used my bank for my wages


Lloyds are ridiculous for things like that though, they let my 16 year old(at the time) sister use an unarranged overdraft. Obviously the majority of 16 year olds would just see it as free money, to be fair on her though she only spent about £100 but it could have been more. And then they hounded her for it. Sharp shut up though when my mother went in and told them how illegal it was to give her credit at that age...

Natwest are just as bad. When I was 16/18 I worked part time for £65 a week. They gave me a grand overdraft
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Old 17-05-2011, 08:18 PM #15
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Natwest are just as bad. When I was 16/18 I worked part time for £65 a week. They gave me a grand overdraft
Natwest charged me around £300 in bank charges because I accidently went £3.43 overdrawn. Yup...

Needless to say, after trying to sort it out with them and them insisting I would pay it...one of the bailiffs who are looking for me is collecting that for them. That is one I am NOT paying.
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Old 17-05-2011, 08:21 PM #16
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Natwest charged me around £300 in bank charges because I accidently went £3.43 overdrawn. Yup...

Needless to say, after trying to sort it out with them and them insisting I would pay it...one of the bailiffs who are looking for me is collecting that for them. That is one I am NOT paying.
Yep, done that to me too. I closed the account
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Old 17-05-2011, 08:22 PM #17
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£7000 so far.... although that is my Student Loan. I'm paying for my next year on quickquid.com though so I'm hoping it wont be to much interest saving me money in the long run xoxo
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Old 17-05-2011, 04:05 PM #18
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No, but then I'm quite shrewd with my money and I don't have any responsibilities so it's not hard to avoid it. I try to avoid using credit and stuff like that if I can though, I don't like being tied to things.
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Old 17-05-2011, 04:26 PM #19
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Old 17-05-2011, 08:09 PM #20
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Nope I've never been in debt. I don't get things I can't afford.
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Old 17-05-2011, 08:12 PM #21
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Nope I've never been in debt. I don't get things I can't afford.
When living in your own place you have no choice but to pay for things you often can't afford. Rent, gas, electric, council tax, phonebill, internet, groceries etc etc etc
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Old 17-05-2011, 08:15 PM #22
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When living in your own place you have no choice but to pay for things you often can't afford. Rent, gas, electric, council tax, phonebill, internet, groceries etc etc etc
Yup. Very very easy to get into debt when you run a house

All it takes is for one thing to go wrong, for example, a washer breaking. Clearly you have to buy a new one, and end up in debt on other things.
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Old 17-05-2011, 08:10 PM #23
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I'm being chased by about 10 bailiff companies for different debts from when I was younger.

I'll pay them eventually, but cant really afford to at the minute.
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Old 17-05-2011, 08:44 PM #24
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For the record

o2 for broadband and phone and halifax bank>>>>>>all other companies.

Only ones Ive been with that havent ever tried to rob me
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Old 17-05-2011, 09:28 PM #25
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I have it sorted Kerry and Ian, £10 a week. But they send letters like "YOU WILL LOVE YOUR HOME"

And it's like
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