Are you in debt? - Teh Forum

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href="lmessages.php?webtag=DEFAULT&msg=31210.1">1–10</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.11">11–20</a><a href="lmessages.php?webtag=DEFAULT&msg=31210.21">21–30</a>…<a href="lmessages.php?webtag=DEFAULT&msg=31210.41">41–48</a></div> <div id="page_content"> <h3 class="thread_title"><a href="index.php?webtag=DEFAULT&amp;msg=31210.11">Are you in debt?</a> </h3> <div id="messages" data-navigation="31210_11_48_10"> <a name="a31210_11"></a><div class="message" id="message_31210_11"> <div class="message_header"> <div class="message_from"> From: Voltane<span class="message_time">16 Nov 2006 12:20</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 12:54"></span></span> <span class="message_count">11 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.11">31210.11</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.10">31210.10</a></div> <div class="message_body"> <p>I'm probably the worst one here.</p> <p> </p> <p>If debt is a pool i'm 6 miles underwater.</p> <p> </p> <p>My debts include loans (bank and student), credit cards (still paying off despite not having used one in nearly 2 years), and overdraft.</p> <p> </p> <p>Even if I put every penny I earnt into paying off my debts it would take me over 4 years to pay it off.</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.11&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.11"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_12"></a><div class="message" id="message_31210_12"> <div class="message_header"> <div class="message_from"> From: THERE IS NO GOD BUT (RENDLE)<span class="message_time">16 Nov 2006 12:34</span> <div class="clearer"></div> </div><div class="message_to">To: Voltane <span><span class="image post_read" title="Read: 16 Nov 2006 18:49"></span></span> <span class="message_count">12 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.12">31210.12</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_11" target="_self">31210.11</a></div> <div class="message_body"> <div class="quotetext" id="quote"><b>quote: </b></div><div class="quote">I'm probably the worst one here.</div><br /> I would dispute that claim. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.12&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.12"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_13"></a><div class="message" id="message_31210_13"> <div class="message_header"> <div class="message_from"> From: Wattsy (SLAYERPUNX)<span class="message_time">16 Nov 2006 13:02</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 13:29"></span></span> <span class="message_count">13 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.13">31210.13</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.2">31210.2</a></div> <div class="message_body"> <p>Well I have a mortgage and a car loan, I dont have any creditcards (they are the root of all money evils) and a few items that I am paying back monthly (really should sort them out as well)</p> <p> </p> <p>Still I have lots of money left to buy nice things for wifey and keeps me drunk most weekends.</p> <p> </p> <p>I do wish there was a quick and easy way of paying off the car loan without resorting to robbery or selling the car.</p> <p> </p> <p>Perhaps we have some local animal pervs I can pimp out teh cat.</p><div class="edit_text">EDITED: 16 Nov 2006 13:04 by SLAYERPUNX</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.13&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.13"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_14"></a><div class="message" id="message_31210_14"> <div class="message_header"> <div class="message_from"> From: ian<span class="message_time">16 Nov 2006 14:14</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 15:54"></span></span> <span class="message_count">14 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.14">31210.14</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> Just the Student Loan. I do have £179.92 owed on my Credit Card, but by coincidence (if that's what it is) I am just about to pay that off now via the wonders of online banking. Oh, and I owe my mate 20 quid.<br /> <br /> It does amaze me how some people get into debt. I know some people can't help it or whatever but others just seem irresponsible to me. One of my brothers friends just took out a big loan for some seemingly unnecessary new car, and a recent[ish] discussion with a <i>friend</i> of mine about her debts and how she still keeps buying things left me quite shocked! </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.14&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.14"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_15"></a><div class="message" id="message_31210_15"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 15:51</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 15:53"></span></span> <span class="message_count">15 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.15">31210.15</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_14" target="_self">31210.14</a></div> <div class="message_body"> But these days it's rammed down your throat.<br /> <br /> Have a credit card...here have another...<br /> <br /> Now have a store card...oh what the hell have another one.<br /> <br /> Spend spend spend.<br /> <br /> You need a lot of will power to NOT get these. It's all to easy.<br /> <br /> People get in debt upto their eyeballs. By comparison I'm not in that much debt, but still more than enough for me.<br /> <br /> Now the government have introduced these IVA things and people can write off a lot of what they owe. The retailer or whatever now loses out and charges and interest go up for everybody else to compensate.<br /> <br /> I am at least attempting to clear my debts.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.15&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.15"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_16"></a><div class="message" id="message_31210_16"> <div class="message_header"> <div class="message_from"> From: Radio<span class="message_time">16 Nov 2006 15:57</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 16:05"></span></span> <span class="message_count">16 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.16">31210.16</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_15" target="_self">31210.15</a></div> <div class="message_body"> <p>That's the one thing that amazes me, that people can have a good portion of their debt written off, yet seemingly not have to give back the items that they bought while accruing that debt.<br /> Its similar to benefit cheats who con the government out of thousands, then cry poor when caught and end up agreeing to pay it all back, but at something stupid like 20p a week, with no interest incurred.</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.16&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.16"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_17"></a><div class="message" id="message_31210_17"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 16:07</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 16 Nov 2006 17:04"></span></span> <span class="message_count">17 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.17">31210.17</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_16" target="_self">31210.16</a></div> <div class="message_body"> An advert just been on the TV.<br /> <br /> "Write off what you can't afford".<br /> <br /> It seems almost like theft.<br /> <br /> Buy stuff, can't afford to pay for it. Ah what the hell write it off.<br /> <br /> I know it ain't quite that simple, but it feels like it.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.17&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.17"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_18"></a><div class="message" id="message_31210_18"> <div class="message_header"> <div class="message_from"> From: ian<span class="message_time">16 Nov 2006 16:09</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 16:09"></span></span> <span class="message_count">18 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.18">31210.18</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_15" target="_self">31210.15</a></div> <div class="message_body"> <div class="quotetext" id="quote"><b>quote: </b></div><div class="quote">You need a lot of will power to NOT get these. It's all to easy.</div><br /> It's this lack of willpower that I find disturbing. It it really all that hard to say "no" if it's something you don't <i>need</i>?! I mean a nice new flowery dress would be nice, but if I can't afford it I'll just go without. I can't imagine being otherwise.<br /> <br /> As a side note Capital One were sending me credit card offers at a rate of about one a week. Rather than relenting at the onslaught and signing up I sent a letter to them (in their own pre-paid envelope or course) asking them to stop. They sent me a letter back saying that they would. Time will tell! </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.18&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.18"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_19"></a><div class="message" id="message_31210_19"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 16:11</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 16:15"></span></span> <span class="message_count">19 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.19">31210.19</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_18" target="_self">31210.18</a></div> <div class="message_body"> Capital One. pffffft.<br /> <br /> As I noted earlier I was mis-sold an insurance policy by C1 against redundancy.<br /> <br /> Made redundant - insurance refused to pay.<br /> <br /> Debt went bad.<br /> <br /> C1 still kept sending me application forms. I mean durrr.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.19&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.19"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div><a name="a31210_20"></a><div class="message" id="message_31210_20"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 16:12</span> <div class="clearer"></div> </div><div class="message_to">To: ian <span><span class="image post_read" title="Read: 16 Nov 2006 16:15"></span></span> <span class="message_count">20 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.20">31210.20</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.11#a31210_18" target="_self">31210.18</a></div> <div class="message_body"> As for will power.<br /> <br /> The media has a lot to answer for.<br /> <br /> "You simply must have this darling or you are a social outcast."<br /> <br /> People get suckered in and the spiral begins.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.20&return_msg=31210.11" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.20"> <span class="rating">0/0</span> <span class="image vote vote_down vote_down_off" title="Vote Down"></span> <span class="image vote vote_up vote_up_off" title="Vote Up"></span> </div> </div> </div></div> <div class="message_page_footer"> <ul> <li class="right_col"><form accept-charset="utf-8" method="get" action="lmessages.php" target="_self"><input type="hidden" name="webtag" id="webtag" class="bhinputtext" value="DEFAULT" dir="ltr" /><input type="hidden" name="msg" id="msg" class="bhinputtext" value="31210.21" dir="ltr" /><input type="submit" name="submit" id="keep_reading" value="Keep reading…" class="button" /></form></li> </ul> </div> </div> </body>