I Am Exceedingly Happy Again!

caramia1812

ann_marie77 wrote: »

caramia1812, great news for you. :beer:



Although I will ditto this as well. This is how I managed to build up mine. Wish I knew then what I know know as I wouldn't be in the mess I am. Ask for a F&F settlement figure rather than just paying the total amount, unfortunately I didn't know you could do this so when I took my loan out so I still had outstanding balances and I found they soon went back up again, but this time with higher interest rates.

Good luck

And in response to you.....again, not EVERYONE "uses" credit because it is there to use. Until that period with my then husband, I was a stricly cash person. It's the way my family brought me up and the way I intend to stay. I am astounded that you think I would use up the credit again....i'd rather starve. I lived without it for many years until I met "Mister Spendaholic" and i'll do it again. I have no intention of ever putting myself at risk again and if I ever meet another man, he's going to have to be bloody rich and I mean dirty cash rich! LOL

poorandindenial

caramia

No-one was criticising you but there is a classic pattern around consolidation that we were warning you of, more people reuse the credit than don't so we were just offering friendly words of caution.

I did spend, spend, spend and it doesn't make me a bad person, it just makes me someone that made some choices and now I have made different ones.

SamanthaA

Apologies, I wasn`t trying to insinuate anything.

The first post was very black/white & I was only attempting to fill the gaps...