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=31210.38"> <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=31210.31">31–40</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=31210.38">Are you in debt?</a> </h3> <div id="messages" data-navigation="31210_38_48_10"> <a name="a31210_38"></a><div class="message" id="message_31210_38"> <div class="message_header"> <div class="message_from"> From: craig (CHARTLEY)<span class="message_time">16 Nov 2006 21:36</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">38 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.38">31210.38</a></div> <div class="message_body"> <p>This is where I can gleefully proclaim that I'm about to pay off my student loan before I graduate! It's sitting at a smidgen under £5k but after getting money from my Grandad (now gorne) I can pay it off and save the rest for a car once I graduate so I can hopefully get a proper job a bit further away if needed.</p> <p> </p> <p>Good old Scotland paying my fees (for now). Bad old Student loans company for charging more interest than I thought they did.</p> <p> </p> <p>Edit: And as for a credit card, having a job means I can spend as much as my mates but unlike them it isn't on an overdraft or credit card.</p> <p> </p> <p>(that and I've managed to convince my mum and dad to pay rent, which is handy too!)</p><div class="edit_text">EDITED: 16 Nov 2006 21:38 by CHARTLEY</div> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.38&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.38"> <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_39"></a><div class="message" id="message_31210_39"> <div class="message_header"> <div class="message_from"> From: Sulkpot<span class="message_time">16 Nov 2006 22:21</span> <div class="clearer"></div> </div><div class="message_to">To: ALL<span class="message_count">39 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.39">31210.39</a></div> <div class="message_body"> I am an appalling miser, and I have a ledger and a box file detailing all of the money I don't have. I have -£3,667. I have no relatives to kill* <br /> <br /> <noemots><span class="emoticon e_cry" title=":'-("><span class="e__">:'-(</span></span></noemots><br /> <br /> <font size="1">*This is a lie. I have six (living) close relatives. I am executor of the wills of three, and hence I know that I stand to profit not a penny from despatching any of them.</font> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.39&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.39"> <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_40"></a><div class="message" id="message_31210_40"> <div class="message_header"> <div class="message_from"> From: johngti_mk-ii<span class="message_time">17 Nov 2006 08:42</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 17 Nov 2006 08:54"></span></span> <span class="message_count">40 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.40">31210.40</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.28">31210.28</a></div> <div class="message_body"> I started off with something similar from Payplan which is a charity actually paid for by the credit industry. They're the ones who also organised my IVA for me - no fees upfront and the insolvency practitioner who dealt with it took reasonable fees. I believe that one of the options CCCS will offer is to do something similar and set up an IVA if needed. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.40&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.40"> <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_41"></a><div class="message" id="message_31210_41"> <div class="message_header"> <div class="message_from"> From: johngti_mk-ii<span class="message_time">17 Nov 2006 08:44</span> <div class="clearer"></div> </div><div class="message_to">To: Bryan (TWISTER) <span><span class="image post_read" title="Read: 17 Nov 2006 08:54"></span></span> <span class="message_count">41 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.41">31210.41</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.29">31210.29</a></div> <div class="message_body"> <p>It was pretty shit as you can guess - I ended up having half a term off work because of it. Things are equally shit now (if not worse because I don't get to see my children very much at all) but I have the love of a good woman to help me out.</p> <p> </p> <p><Hopes she reads this so that I'm not in trouble later on for anything/></p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.41&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.41"> <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_42"></a><div class="message" id="message_31210_42"> <div class="message_header"> <div class="message_from"> From: Claire<span class="message_time">18 Nov 2006 22:40</span> <div class="clearer"></div> </div><div class="message_to">To: johngti_mk-ii <span><span class="image post_read" title="Read: 19 Nov 2006 10:49"></span></span> <span class="message_count">42 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.42">31210.42</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.38#a31210_41" target="_self">31210.41</a></div> <div class="message_body"> <span class="emoticon e_grin" title=":D"><span class="e__">:D</span></span> (K)</div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.42&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.42"> <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_43"></a><div class="message" id="message_31210_43"> <div class="message_header"> <div class="message_from"> From: Golden Axe<span class="message_time">19 Nov 2006 11:25</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 20 Nov 2006 09:09"></span></span> <span class="message_count">43 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.43">31210.43</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.1">31210.1</a></div> <div class="message_body"> I have about £1800 or so left on a loan from a few years ago, but I hope to have paid that off early, by around feb/march time. After which, I shall be quite loaded. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.43&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.43"> <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_44"></a><div class="message" id="message_31210_44"> <div class="message_header"> <div class="message_from"> From: Judderman<span class="message_time">23 Nov 2006 11:34</span> <div class="clearer"></div> </div><div class="message_to">To: Golden Axe <span><span class="image post_read" title="Read: 23 Nov 2006 17:55"></span></span> <span class="message_count">44 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.44">31210.44</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.38#a31210_43" target="_self">31210.43</a></div> <div class="message_body"> I'm currently £8000 in debt to the student loan company and I have another 3 1/2 years to go. I also at some point intend to pay my Dad back for the £8000 he has put into my accomadation so far and whatever he will put in for the next few years. All in all I reckon I'll come out of uni about £42000 in the red. </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.44&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.44"> <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_45"></a><div class="message" id="message_31210_45"> <div class="message_header"> <div class="message_from"> From: Radio<span class="message_time">23 Nov 2006 12:11</span> <div class="clearer"></div> </div><div class="message_to">To: Judderman <span><span class="image post_read" title="Read: 23 Nov 2006 13:58"></span></span> <span class="message_count">45 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.45">31210.45</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.38#a31210_44" target="_self">31210.44</a></div> <div class="message_body"> Ouch - how long is your course overall then? </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.45&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.45"> <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_46"></a><div class="message" id="message_31210_46"> <div class="message_header"> <div class="message_from"> From: Monsoir (PILOTDAN)<span class="message_time">23 Nov 2006 13:47</span> <div class="clearer"></div> </div><div class="message_to">To: Judderman <span><span class="image post_read" title="Read: 23 Nov 2006 13:58"></span></span> <span class="message_count">46 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.46">31210.46</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.38#a31210_44" target="_self">31210.44</a></div> <div class="message_body"> Hooooly shite. Fuck it, I'm maxing my credit cards! </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.46&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.46"> <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_47"></a><div class="message" id="message_31210_47"> <div class="message_header"> <div class="message_from"> From: Judderman<span class="message_time">23 Nov 2006 14:03</span> <div class="clearer"></div> </div><div class="message_to">To: Radio <span><span class="image post_read" title="Read: 23 Nov 2006 16:17"></span></span> <span class="message_count">47 of 48</span><div class="clearer"></div> </div> </div> <div class="message_links"> <a href="lmessages.php?webtag=DEFAULT&msg=31210.47">31210.47</a> In reply to <a href="lmessages.php?webtag=DEFAULT&msg=31210.38#a31210_45" target="_self">31210.45</a></div> <div class="message_body"> <p>5 years basic, then an extra year in the middle to do an extra degree (hopefully anatomy).</p> <p> </p> <p>Technically two years after that are training, but I get paid for them.</p> <p> </p> <p>To put it in a bit more perspecive around £18 000 odd of that will be totally interest free as I will be just paying my Dad back, and seeing as he doesn't even know I will be doing it if my finances do go tits up I don't have to pa it back, but I do intend to.</p> <p> </p> <p>Although I haven't taken into account my elective which could set me back another £1000-3000.</p> </div> <div class="message_footer"> <div class="message_footer_links"><a href="lpost.php?webtag=DEFAULT&reply_to=31210.47&return_msg=31210.38" class="reply"><span class="image post"></span>Reply</a></div> <div class="message_vote_form" data-msg="31210.47"> <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="31210.48" dir="ltr" /><input type="submit" name="submit" id="keep_reading" value="Keep reading…" class="button" /></form></li> </ul> </div> </div> </body>