Are you in debt? - Teh Forum

<body> <div id="header"> <span class="left"> <span class="back"><a href="lthread_list.php?webtag=DEFAULT"><span class="image mobile_back" title="Back"></span></a></span> <span class="image mobile_logo" title="Beehive Forum Logo"></span> </span> <ul> <li> <a class="reply_all" href="lpost.php?webtag=DEFAULT&reply_to=31210.0&return_msg=31210.14"> <span class="image mobile_reply_all"></span><span class="text">Reply to All</span> </a> </li> <li> <a class="navigation" href="#"> <span class="image mobile_navigation"></span><span class="text">Show messages</span> </a> </li> <li> <a class="main" href="#"><span class="image mobile_menu" title="Menu"></span> </a> </li> </ul> </div> <div class="menu main"> <ul> <li><a href="lthread_list.php?webtag=DEFAULT">Messages</a></li> <li><a href="lpm.php?webtag=DEFAULT">Inbox</a></li> <li><a href="lsearch.php?webtag=DEFAULT">Search</a></li> <li><a href="llogon.php?webtag=DEFAULT">Login</a></li> </ul> </div> <div class="menu navigation"><a 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=31210.14">Are you in debt?</a> </h3> <div id="messages" data-navigation="31210_14_48_10"> <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=31210.14" 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=31210.14#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=31210.14" 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=31210.14#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=31210.14" 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=31210.14#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=31210.14" 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=31210.14#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=31210.14" 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=31210.14#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=31210.14" 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=31210.14#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=31210.14" 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><a name="a31210_21"></a><div class="message" id="message_31210_21"> <div class="message_header"> <div class="message_from"> From: milko<span class="message_time">16 Nov 2006 16:16</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 16:17"></span></span> <span class="message_count">21 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.21">31210.21</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.14#a31210_19" target="_self">31210.19</a></div> <div class="message_body"> Do you mind me asking how it was mis-sold/refused to pay? </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.21&return_msg=31210.14" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.21"> <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_22"></a><div class="message" id="message_31210_22"> <div class="message_header"> <div class="message_from"> From: ian<span class="message_time">16 Nov 2006 16:17</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 16 Nov 2006 16:23"></span></span> <span class="message_count">22 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.22">31210.22</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.14#a31210_20" target="_self">31210.20</a></div> <div class="message_body"> This is why I hate people. So many of them are such fucking idiots. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.22&return_msg=31210.14" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.22"> <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_23"></a><div class="message" id="message_31210_23"> <div class="message_header"> <div class="message_from"> From: Bryan (TWISTER)<span class="message_time">16 Nov 2006 16:23</span> <div class="clearer"></div> </div><div class="message_to">To: milko <span><span class="image post_read" title="Read: 16 Nov 2006 16:37"></span></span> <span class="message_count">23 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.23">31210.23</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.14#a31210_21" target="_self">31210.21</a></div> <div class="message_body"> Not at all.<br /> <br /> I had just signed myself off the sick and got any job I could.<br /> <br /> Worked there for a while, already had credit card. After about 4 months in job they asked if I wanted insurance, said yes.<br /> <br /> Worked there for 18 months before the company went belly up after 50 odd years of business.<br /> <br /> Claimed insurance. They said I should have been working for 6 months before taking out the insurance. I did it after 4 so they wouldn't pay.<br /> <br /> Can't prove/disprove whether the 6 month thing was explained to me when they sold me the policy. I'm not dim so I wouldn't have took it out if they had explained it to me. But can't prove it. And lets face it who actually reads the small print of T & C's?<br /> <br /> I had paid them more than I needed to and for longer than I needed which really takes the piss.<br /> <br /> I put it in the hands of a solicitor but he gave up trying.<br /> <br /> Bryan<br /> <br /> <hr /> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.23&return_msg=31210.14" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.23"> <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="31210.24" dir="ltr" /><input type="submit" name="submit" id="keep_reading" value="Keep reading…" class="button" /></form></li> </ul> </div> </div> </body>