walshie 2,804 Posted November 22, 2015 Report Share Posted November 22, 2015 I really see no problem with credit as long as you aren't an idiot with it. I have sympathy for anyone who is genuinely going through hard times though. I think a lot of us felt the pinch a couple of years ago. The serial debtors - the ones who "know their rights" when the bailiffs turn up are the reason the rest of us have to pay such high interest rates when we do decide to borrow responsibly. Quote Link to post Share on other sites
BGD 6,437 Posted November 22, 2015 Report Share Posted November 22, 2015 Same here not got ,due a penny on tick if I want something I pay cash or save up for it Some debt is entirely unavoidable, how is anyone supposed to buy a home in the current market without a mortgage? . Aye that's a thing I worry about for my kids hopefully it will be a long , long time before they get this one and or split it for a deposit on one of there own. Aye the market is totally fecked, really is a sad state of affairs when for a lot of the next generation their only hope of owning their own home is getting an inheritance here the average house price is 18 times the average income of the youngsters, not a chance in hell of buying. So they get stuck renting a one bed flat for £500 a month I don't see many well qualified youngsters hanging around in the UK after graduating, they can pack off to Europe/Australia/Canada and have a much higher standard of living with the chance of actually owning their own home at some point. A few friends have kids that are already making plans along those lines for when they finish uni. Quote Link to post Share on other sites
nans pat 2,575 Posted November 22, 2015 Report Share Posted November 22, 2015 here when they get older they say their seperated i gets an old peoples bungalow or flat,the other sells the house then moves in gets them the retirment money plus they have their pension dla ect,why not when you see how cameron royal family ect live. Quote Link to post Share on other sites
paulus 26 Posted November 22, 2015 Report Share Posted November 22, 2015 Same here not got ,due a penny on tick if I want something I pay cash or save up for it Some debt is entirely unavoidable, how is anyone supposed to buy a home in the current market without a mortgage? . Aye that's a thing I worry about for my kids hopefully it will be a long , long time before they get this one and or split it for a deposit on one of there own. Aye the market is totally fecked, really is a sad state of affairs when for a lot of the next generation their only hope of owning their own home is getting an inheritance here the average house price is 18 times the average income of the youngsters, not a chance in hell of buying. So they get stuck renting a one bed flat for £500 a month I don't see many well qualified youngsters hanging around in the UK after graduating, they can pack off to Europe/Australia/Canada and have a much higher standard of living with the chance of actually owning their own home at some point. A few friends have kids that are already making plans along those lines for when they finish uni. the sad fact is the village is becoming full of old people or rich people, i assume this is happening all over. my youngest starts uni next year, the eldest is engaged and still lives here as his fiance lives down the road with her mother. this is the only way they can afford to live here, very wrong indeed. Quote Link to post Share on other sites
Lab 10,979 Posted November 22, 2015 Report Share Posted November 22, 2015 I really see no problem with credit as long as you aren't an idiot with it. I have sympathy for anyone who is genuinely going through hard times though. I think a lot of us felt the pinch a couple of years ago. The serial debtors - the ones who "know their rights" when the bailiffs turn up are the reason the rest of us have to pay such high interest rates when we do decide to borrow responsibly. Do you watch that bailiffs programme that's on the tv the now. The older guys are a couple of genuine lads. They do all they can to help you if you look like you are in serious trouble and are struggling. But they turn up at people's houses where the c**ts have been receiving housing benefit and pocketing it and not paying the landlord. House packed with top of the range gear. I'd f**k them straight on the street. Why should we all struggle by trying to have the better things in life while working out arses of and others just take take take. 2 Quote Link to post Share on other sites
The one 8,579 Posted November 22, 2015 Report Share Posted November 22, 2015 Theres hundreds of houses getting built here and theres big signs everywhere this could be yours for a 5% DOWN PAYMENT AND THE REST OVER 25 YEARS , I know couples that fell for it because they could afford it with overtime coming in , then the overtime stopped , or in one case the wife got pregnant and they couldn't afford it they get repossed and they get a bad credit rating fecks them for the rest of there life Quote Link to post Share on other sites
Qbgrey 4,259 Posted November 22, 2015 Report Share Posted November 22, 2015 It's all thier in black n white.any fine or percentage rate is all out in the open.its obvious if you take something you pay.if yous lot moaning you d set your dog on the bailiffs etc are the first to start a row if you done s dsyz work then the customer told you to f...k off.same thing.if you got no money you can't have it simple. As kids we've been given charity shop giftd when parents fell short.no need for loadd of expensive gifts.all my msted in the council houses allways got a mass of toys etc for thier kids. Quote Link to post Share on other sites
jacknife 2,005 Posted November 22, 2015 Report Share Posted November 22, 2015 To many people want everything now....not prepared to wait and save like people used to Theres an obsession in this country with owning your own house I see far too many people that are all top show and deep in debt 2 Quote Link to post Share on other sites
WILF 49,639 Posted November 22, 2015 Report Share Posted November 22, 2015 (edited) f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! Edited November 22, 2015 by WILF 6 Quote Link to post Share on other sites
Accip74 7,112 Posted November 22, 2015 Report Share Posted November 22, 2015 To many people want everything now....not prepared to wait and save like people used to Theres an obsession in this country with owning your own house I see far too many people that are all top show and deep in debt There's a saying here that the Flemish are born with a Brick in their belly's, such is their obsession with owning or building a nice pile......& you can really see it as you drive through the suburbs or villages, streets full of completely different very nice houses! ......& there's also a joke that they've got the nice house, but are living on baked beans through the week....haha Quote Link to post Share on other sites
Lab 10,979 Posted November 22, 2015 Report Share Posted November 22, 2015 f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! Every argument seems to begin with "but the government do this....." So f**k!!! We know there a bunch of useless bent b*****ds but it's a long road to change that. Doesn't mean to say you can't take a bit of pride in yourself and do the right thing in life. Nothing wrong with taking chances, that's how you get breaks in life. But if you take the risks you then you have to be prepared to face the consequences. This is why business's rack up debt, go bust, finish other smaller business's in the making and then start up in a new name!! Quote Link to post Share on other sites
Accip74 7,112 Posted November 22, 2015 Report Share Posted November 22, 2015 (edited) f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! Haha it's funny you should say that........When I first came here I still owned the bank a few grand or so after my PPI claims had got me out of the shit.....I picked up work within 3 weeks & cracked on, continued putting in my re-payments in good faith, then I gave up work & I thought there's no way I'm gonna let the mrs pay this......anyway, I ring the bank & I tell them I can't pay & they referred me to their debt help agency..... I spoke to this women, who incidentally sounded just like Mrs Merton haha.....I was expecting to be going through some repayment management plan & she just basically said f**k them! Haha.....She couldn't believe I'd even been attempting to pay Lloyds back, she just said ignore all their letters & calls, it's all bullshit & crack on! That was my debt advice...haha Edited November 22, 2015 by Accip74 Quote Link to post Share on other sites
Truther 1,579 Posted November 22, 2015 Report Share Posted November 22, 2015 f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! "f**k sake, does anyone have a clue what's going on in the world ?" After reading this thread the answer to that must be "not many" mate Just like everybody likes to batter the insignificant "dole scroungers" that brainwashed they champion their real oppressors cause lol. 1 Quote Link to post Share on other sites
Accip74 7,112 Posted November 22, 2015 Report Share Posted November 22, 2015 f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! "f**k sake, does anyone have a clue what's going on in the world ?" After reading this thread the answer to that must be "not many" mate Just like everybody likes to batter the insignificant "dole scroungers" that brainwashed they champion their real oppressors cause lol. I think most people realise there's shit at both ends of the scale tbh.......but most of us are just trying get by the best we can, regardless, what else can you do? Quote Link to post Share on other sites
WILF 49,639 Posted November 22, 2015 Report Share Posted November 22, 2015 f**k me there's some folk led sheltered lives or never took any chances!! The whole of the developed world is in hock to the tune if trillions and yet your ordinary Joe soap who is being raped day in, day out by the very same governments is meant to feel ashamed of not paying off a car loan !! These people will write of f***ing zillions of your money at the stroke of a pen to cancel 3rd world debt, pull in every small business owners over draft to pay for it and he will be the poor c**t losing his house and not being able to pay his suppliers !! f**k sake, does anyone have a clue what's actually going on in the world ?.........it's not 1930 any more !! Every argument seems to begin with "but the government do this....." So f**k!!! We know there a bunch of useless bent b*****ds but it's a long road to change that. Doesn't mean to say you can't take a bit of pride in yourself and do the right thing in life. Nothing wrong with taking chances, that's how you get breaks in life. But if you take the risks you then you have to be prepared to face the consequences. This is why business's rack up debt, go bust, finish other smaller business's in the making and then start up in a new name!! Wake up, they are not playing to your rules! They make the rules up as they go along, if you are in business then you better get real and start realising what you are dealing with. You are putting your money in an insolvent bank, which is then used by an insolvent government to f**k about about with to other insolvent governments !!......the only one playing by the rules is you!.......and your loosing ! Not you personally I don't mean, but in general obviously. Why is OK for the government to write off 15 billion quid and wrong for some bloke who has tried his hardest to play by the rules to go bankrupt and write off 10 grand ? This is the reality, there is no other ! 1 Quote Link to post Share on other sites
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