Can't afford to keep up with my reducing overdraf...

[Hooloovoo]

Originally Posted by Samuel_

A return bus far is £5-6 so If I get a few of those a week (when it's too cold my legs don't wana move) I don't like staying indoors with the oldies all the time so head to the library when possible Also every few weekends I'll use it to watch local football match so I'm probably spending about £12 week on average.

Sorry to be blunt but that's just utterly ridiculous.

You can not afford that. You might like to get out of the house but you simply can't afford it.

The only possible justification for someone on JSA spending that much on travel is if they are going to interviews or training courses.

[Hooloovoo]

Originally Posted by Samuel_

My right ankle has collapsed inwards on itself so my foot is flat and I get foot/knee/back pain even though I'm very slim so the thought of walking in 0 degrees for 12 miles everyday is not realistic for me. Basically I just can't be bothered to do it everytime.

If you can't walk, and you can't afford to pay for travel, then you can't go out.

Yes I would rather default on the account.

Fine. I'll leave the thread then since obviously you don't really want or need any help.

[simeyb]

To be honest I'm not sure why you've bothered to come onto this forum, ask for peoples advice, which they've kindly given, then come up with the phrase that's the trouble with this country "I can't be bothered". My 17 year old daughter is at college, has had a part time job since she was 15, works each weekend to save for what she wants etc - whats your excuse mate? Sounds like you want to stop relying on your parents (or oldies as you so disrespectfully call then), get off your !!!, get a job (and sorry if its not commensurate with what you think you are so worthy of what with having a degree), stop whining and pay back the money you owe. Sorry to be harsh, but your attitude stinks.

[Hooloovoo]

Originally Posted by simeyb

To be honest I'm not sure why you've bothered to come onto this forum, ask for peoples advice, which they've kindly given, then come up with the phrase that's the trouble with this country "I can't be bothered". My 17 year old daughter is at college, has had a part time job since she was 15, works each weekend to save for what she wants etc - whats your excuse mate? Sounds like you want to stop relying on your parents (or oldies as you so disrespectfully call then), get off your !!!, get a job (and sorry if its not commensurate with what you think you are so worthy of what with having a degree), stop whining and pay back the money you owe. Sorry to be harsh, but your attitude stinks.

Well said.

[Samuel_]

Originally Posted by simeyb

To be honest I'm not sure why you've bothered to come onto this forum, ask for peoples advice, which they've kindly given, then come up with the phrase that's the trouble with this country "I can't be bothered". My 17 year old daughter is at college, has had a part time job since she was 15, works each weekend to save for what she wants etc - whats your excuse mate? Sounds like you want to stop relying on your parents (or oldies as you so disrespectfully call then), get off your !!!, get a job (and sorry if its not commensurate with what you think you are so worthy of what with having a degree), stop whining and pay back the money you owe. Sorry to be harsh, but your attitude stinks.

Try walking on a collapsed ankle. I bet you're fat and have never walked 10 miles in your life. I know I'm gonna be rich as hell when I'm older so I'm just relaxing a bit now.

[innovate]

Originally Posted by Samuel_

I bet you're fat and have never walked 10 miles in your life.

Funny how some posters always resort to personal abuse when they run out of good arguments.

[ffacoffipawb]

Originally Posted by innovate

Funny how some posters always resort to personal abuse when they run out of good arguments.

Yes, but that poster never even started with a good argument in the first place.

[Hooloovoo]

Originally Posted by Samuel_

I know I'm gonna be rich as hell when I'm older so I'm just relaxing a bit now.

[pmduk]

Let's not waste our time, I think he's a fool, but you can't help someone who won't help themselves.

[Hooloovoo]

Originally Posted by pmduk

Let's not waste our time, I think he's a fool, but you can't help someone who won't help themselves.

Absolutely.

Didn't get the grades to get in to Uni through the standard route. Didn't realise he had to pay his rent. Doesn't even know how to default on an account and asks how to do it! Steals his sister's car and crashes it ... the list just goes on.

Oh yes, he's definitely going to be rich as hell when he's older.

He should go on the apprentice. He's clearly the businessman AMS has been looking for all these years.

[Hominu]

Originally Posted by Hooloovoo

Didn't get the grades to get in to Uni through the standard route. Didn't realise he had to pay his rent. Doesn't even know how to default on an account and asks how to do it! Steals his sister's car and crashes it ... the list just goes on.

Thats probably because his parents have always paid everything for him. Heck, they even paid for his first year at Uni up-front.

The only chance he's got at getting rich is his parents leaving him a couple of million in their will. Then he'll blow it, go overdrawn, and then come back to complain how the banks are so evil.

[fiesta04]

Originally Posted by pmduk

Let's not waste our time, I think he's a fool, but you can't help someone who won't help themselves.

Troll for sure. You really should read more of his/her posts, haven't laughed so much in ages.

F4

[pmduk]

I think you've got it spot on. I'm usually hesitant about calling people a troll, but I may just break my habit.

[sweetilemon]

On the main mse page there is a bit about people on JSA getting free public transport. Can u cut your phone bill down or are you tied in? The best option would be to try again to negotiate a lower interest with your bank.

[thatsean]

Originally Posted by Samuel_

Try walking on a collapsed ankle. I bet you're fat and have never walked 10 miles in your life. I know I'm gonna be rich as hell when I'm older so I'm just relaxing a bit now.

Cretin.



I hope this is a troll thread, if not... *gives up*

[sweetilemon]

Hadnt read page 2 when I posted...oh well.

[Samuel_]

Originally Posted by lolavix

I wouldn't walk 12 miles to save £3, that's just ridiculous!

It is a bit of a catch 22 situation to be honest, I would seriously struggle to live on £55 a week. One ways found to save money was to always use notes for everything then all my change goes into a pot which I change up every month or so. Unfortunately most banks won't help until you start to default, as you've now found out. Good luck!

Have I actually started to default though? Does going over the arranged overdraft limit and having the reducing overdraft limit frozen all for one month have an effect on my credit limit?

[grumbler]

Do you mean an effect on your credit rating?