Income fallen, are we tied to current lender?

dunstonh

Duntonh - Again - I replied openly and politely to the initial concerns shown by the responders. I only got cross when people kept ramming their concerns down my throat despite my saying we were ok about it. And even now, look at your quote above - when exactly did I say we were just 'hoping for the best' - since I have said several times now that we are NOT, why can you not resist repeating that AGAIN?? Its infuriating!

I responding purely to your initial negativity to those style of responses in post #8.

You were a bit rude to those pointing out how bad your situation is potentially. Rather than say you had future plans to resolve the issue you turned on those pointing out that there is an issue. Beecher is correct in that many people in severe debt do get a lightbulb moment when they finally accept there is a problem. I don't know if I would have used the same words but it's similar to getting someone to admit they are an alcoholic. You have to realise there is a problem before you can solve it.

It's not being rude, its not been judgmental. Its just pointing out that your situation, based only on what you have said so far, does not look very good. All you had to do was say that you accept that and you have plans to resolve it. You didnt have to turn against those saying it. One could argue that your anger is anxiety showing through with realisation that your situation is bad.

yamin

dunstonh wrote: »

I responding purely to your initial negativity to those style of responses in post #8.

You were a bit rude to those pointing out how bad your situation is potentially. Rather than say you had future plans to resolve the issue you turned on those pointing out that there is an issue. Beecher is correct in that many people in severe debt do get a lightbulb moment when they finally accept there is a problem. I don't know if I would have used the same words but it's similar to getting someone to admit they are an alcoholic. You have to realise there is a problem before you can solve it.

It's not being rude, its not been judgmental. Its just pointing out that your situation, based only on what you have said so far, does not look very good. All you had to do was say that you accept that and you have plans to resolve it. You didnt have to turn against those saying it. One could argue that your anger is anxiety showing through with realisation that your situation is bad.

Please please read my words! I was polite, no turning, did just what you said in response to the FIRST set of concerns expressed. I only turned when those people ignored my assurances and continued to make me feel like a financial idiot. Has it not occurred to you, even in a tiny way, that we may be OK? Refer back to all my posts - I am not telling you to take our risks - I frankly feel that anyone who rides a motorbike is taking an unacceptable risk, but I daresay they would rightly say it is their life and their risk to take, esp if they were only asking me which leathers I thought were stronger - and after a polite first response, if I kept hammering my opinion home, that bike rider would be well within their rights to tell me to butt out!

beecher2

How to make a drama out of a crisis! Maybe it is time to move on since your original question has been answered. Incidentally it was much the same answer as you received 2 years ago when you were 'just about managing to keep heads above water'.

http://forums.moneysavingexpert.com/showthread.html?t=763511

yamin

beecher2 wrote: »

How to make a drama out of a crisis! Maybe it is time to move on since your original question has been answered. Incidentally it was much the same answer as you received 2 years ago when you were 'just about managing to keep heads above water'.

http://forums.moneysavingexpert.com/showthread.html?t=763511

Pretty good proof that we're doing OK then!!!! And sorry to repeat myself - at least there was two years between my repetitions........(you obviously have plenty of time to look me up!)

Funny how instruction to move on generally comes when someone runs out of arguments. I merely wanted to answer people who accused me of being
1. Financially stupid
2. Rude
3. In mortal danger of losing the roof above our heads.

Again, thank you to those of you who gave me a straight and useful answer to the question I asked.