Winging It

wannabedebtfreebeth

Hi
Please take a deep breath and try to calm down. You came on here asking for advice and people are trying to help you. I know it's very easy to come across completely different from how we mean to on here, especially if we try to say something quickly. You will find living down in London very much more expensive than up in Liverpool so those people telling you to plan are trying to do you a favour. If you post all the details asked for someone will be able to advise you. I'm sure no-one is ignoring your question but if you don't give the infomation asked for then how is anyone going to be able to tell you what the worst case scenario could be?? I don't know the answers but I'm sure if you give the info then someone who does will help you very soon. All the best for the move!!

Edited - Yep - 2 others came in with help while I was writing this!

Toto

I realise you might not want to buy a house for the next 6 years but do you intend to rent? Because all agencies will want a credit check before they rent you a place to live.

If you fail you will have to find 6 months rent as a deposit. It sucks having a crap credit rating, avoid it at all costs hon.

Willsnarf1983

and a fool by the sounds of it. grow up mate please and take some resposnisbilty for what you have borrowed.

Will

o14wen

How about you just stop eating cakes tubs.

Not nice throwing out random insults is it and I wouldn't single out one person who is obviously confused for abuse.

thanks
for the input though

Gary

all_hours

Does this new job mean a pay rise?

Could you contact your creditors + explain the situation + ask them to put your accounts on hold for 3 months. If you've been paying the loans regularly for the past 3 years you might be eligible for a replayment holiday, you'd still be building up interest in that time but you wouldn't have to make the monthly payments.

Also could you ask your bank to extend the overdraft and then reduce it by £100 per month until it's back to the normal level?

Also a lot of places ask for 1 months rent + 6 weeks deposit. This is because a lot of people don't pay the last months rent and use the deposit so it leaves the landlord something to cover any breakages.

Would a credit rating with defaults + CCJs cause a problem for your work?

pounds_and_pensive

Not so long ago, I operated a small mail order business. Apart from stock, my biggest cost was postage. I could have trimmed this down considerably had I been able to use Royal Mail PPI (Printed Postage Impressions). PPI isn't paid for in advance - you pay at the end of the month for the parcels you've sent, at substantially cheaper rates than sending them the conventional way. Simply having the cash in your hot little hand isn't enough to be able to send parcels using PPI, you have to have a proven track record demonstrating that you meet your financial obligations on time, i.e. your credit history. Since mine stank like a ten-week dead rotting cod, I couldn't take advantage of PPI.

The point I'm trying to make with this reasonably obscure example is that there are probably going to be a few times when you could really use a stench-free credit history, even if you don't actually want 'credit' as such and are fully capable of paying up front.

Something worth considering, maybe. Take care

Willsnarf1983

o14wen wrote:

How about you just stop eating cakes tubs.

Not nice throwing out random insults is it and I wouldn't single out one person who is obviously confused for abuse.

thanks
for the input though

Gary

ok i'l apologuise for my outburst but you do not seem to be taking this seriosuly and you do seem to be trying to get out of it. You seem a spur of the moment person that just makes choices up whatver the cost..ie moving house when u have no money!

Also you Soa is rubbish i suggest you read southern scousers sticky at the beginning of the threads page to get an idea of how one is actually done.

Claiming bank charges, thats a good thing!

Will

Toto

I have a similar problem. There is a crew agency who are good and charge a 2 hour minimum call rather than 4 which is the norm, handy for load outs at the end of an event. But in order to use them i need to open an account, but I have to either credit check, or I can pay by credit card at a slightly higher rate... trouble is my credit rating stinks like the @ss end of pounds and pensives' 10 week old dead rotting cod and I don't have a credit card. So I am stuck with the expensive option.

I think the point we are making is it isn't all about babies and houses. As life moves along you never know what you might want to do, and I would hate for you to take what seems like the easy option now only to regret it in the future.

Willsnarf1983

good luck mate and i know but it was pt well made lol!

Will