"We're here to make sure you don't get ripped off"

robnob you sound like you have a perfect life, can you lend me some money? the banks won’t lend me any anymore cos i have very bad credit, think im going to have to go bankrupt! ah **** em bout time i got sumat back, goverments ripped me off all my life!!! 👿

Surfer’s got the right approach:

Debt per se is not bad, unmanageble debt is.

It’s about managing your financial affairs as though you are a business. If you can borrow money at a low rate and use it to create personal wealth, then great. That’s sound risk/opportunity management.

At the other extreme, the same logic of managing the debt still applies equally well but the objective then becomes to avoid incurring costs whilst maintaining solvency/managing the cashflow.

I’ve been in both situations at various stages in life. Its simply a matter of taking responsibility and managing your financial affairs. How can people think they can ignore this basic responsibility and blame others?

People do sometimes need help and occassionally deserve support BUT people who aren’t prepared to address the problem (eg blow £6 on a car or ignore the bank’s charges) DON’T </rant>

Sheeesh. Calm down dude!!

Governments ripped you off all your life? Oh dear. That must be terrible.

cos I have very bad credit

Aaaaaaaaaahhhh. None of that your fault then? 😉

I have a bad credit history according to the banks, simply because I have NO credit history.

This is supposed to be slagging off a sh1tty tv programme innit? Surely not each other!

DezB – Member

This is supposed to be slagging off a sh1tty tv programme innit? Surely not each other!

Quite so, another one off sick here, waves at all the couch dwellers (into week 3 following a double hernia op & now an infection in the wounds 🙁 )

I did think 6k for your first car!! Think mine was £75, about the only one that seemed genuine rip off was the bloke who got of the train some stops early and got fined £150 for the privilege.

I didn’t get past the first story!