Naughty with Credit Card debt but it had to be done

Any

NPowerUser wrote: »

All I wanted to do was see whether people would take the same risk with their credit rating I have taken if it was the only way they could move away from noisy, anti social, druggie neighbours.

That is the whole point why people don't like you - because if you are serious about this, you live in a Lala land - it wasn't THE ONLY WAY to get out of the area you were living in. Your wife sees rent as dead money.

So you are not as hard done as you make yourself to be, you are just desperately trying to justify your laziness and snobness (probably just made up a new word, just for you:D).

£7.5k of credit card debt is absolutely nothing and even people on JSA manage to make minimum repayments until their situation gets better. But you are far too lazy to get yourself out there to do anything, it is just much easier to sit on your sofa in front of Jeremy Kyle show with can in your hand and moan about how difficult place todays world is..

JA1000

"Got a self cert mortgage just before Xmas"

So which lender was this with?

CannyJock

NPowerUser wrote: »

I didn't realise so many people would get worked up over someone not paying their proper dues to a credit card company

I've no doubt if the situation at your old address was as bad as you describe then others would have done the same, or much worse to get out of there.

Don't think anybody is condemning you for wanting to get away from it. You wouldn't be the first person to fill in an application form favourably, one of the advantages of being self-employed is that you can enter a reasonable estimate and basing your income on full-time hours isn't unreasonable.

From what you've said you haven't blown all the credit card money on sweeties and dog-grooming, but put it into your property so fair enough.

What I still can't understand is why you think it's necessary to enter into an arrangement to pay when you've got the ability to increase your income by working full-time hours instead of part-time hours. Your assertion that you know how the system works is a nonsense as the goalposts on what credit card companies will and won't accept move all the time.

If you'd posted saying that you're now aiming for full-time hours to clear your debts and mortgage (as you said you've done once already) then you'd be applauded no doubt.

miss_missy

NPowerUser wrote: »

I wont add anymore to this thread as it clearly upsets some of you but there is more to life than protecting banks profits. It was never BS and if it offended anyone I am sorry. I have tried to help others in the past and as I clearly indicated early on, this should only be done if you don't mind ruining your credit rating which I clearly have.

i dont understand how someone could seem so thick, people here are not bothered about the banks profits and its not a case of protecting them do you really think your little scam will affect their profits? they claw back the money elsewhere hitting usually people who are paying, i for one am upset not because i care about banks profits but because you seem to think that cc debt is one big game
there are people on here who are really struggling to meet min payments but they do because they borrowed the money they new it would cost them to borrow it and they have morals and therefore pay it back even if it means getting 2 jobs
then they are people who really cant afford to pay back their debts because of whatever hardship they have faced and they are struggling to get banks to agree to take lower payments or freeze interest etc, and you sit there smug saying your getting one over on the banks, well your not

i just hope like has happened on here many times that they put charges on your account and stop freezing interest, you say you needed to spend the money on the cards well pay it back and if you cant afford to on your low self employed wage go and get a proper job like the rest of us

unless like others have said your a troll and if so shame on you that you have so little in your life that you have to do things like this, get a life

chattychappy

miss_missy wrote: »

i dont understand how someone could seem so thick
----
unless like others have said your a troll and if so shame on you that you have so little in your life that you have to do things like this, get a life

I don't understand how someone can be so rude!

NPowerUser

CannyJock wrote: »

I've no doubt if the situation at your old address was as bad as you describe then others would have done the same, or much worse to get out of there.

Don't think anybody is condemning you for wanting to get away from it. You wouldn't be the first person to fill in an application form favourably, one of the advantages of being self-employed is that you can enter a reasonable estimate and basing your income on full-time hours isn't unreasonable.

From what you've said you haven't blown all the credit card money on sweeties and dog-grooming, but put it into your property so fair enough.

What I still can't understand is why you think it's necessary to enter into an arrangement to pay when you've got the ability to increase your income by working full-time hours instead of part-time hours. Your assertion that you know how the system works is a nonsense as the goalposts on what credit card companies will and won't accept move all the time.

If you'd posted saying that you're now aiming for full-time hours to clear your debts and mortgage (as you said you've done once already) then you'd be applauded no doubt.

Thanks for your words of wisdom.

Yes, things have got bad enough in my old neighbourhood to prompt other people to also move. 4 ex neighbours living within 6/7 doors from my old address have all moved in the past 9 months.

My repayment plan was based on the minimum I earn so there is some scope to save in the meantime to help move again. I have already paid next years council tax in full of £1700 (Band E), one years worth of water rates etc.

My plan is to
1) Save 6K over the next 2 years to cover sundry moving costs
2) Hope that 2 years worth of mortgage payments + 75% equity tied up in current home = semi detached house with no mortgage
3) In 2 years time, move, mortgage free, then set about paying down all my credit card debt and personal loan.

If I pay off my credit cards now it might delay my proposed move. So its an interest free credit card debt for 2 years unless the credit card company changes its mind. 2 years because that is when the fixed rate deal ends and the early penalty for dedemption ends (I think?).

The only goal was ever to get out of the hell hole I used to live in and it is a shame I couldn't have gone about it a different way. The stamp duty time issue for my buyer was the biggest problem, something I still had to pay.

Any

chattychappy wrote: »

I don't understand how someone can be so rude!

Normally I am one of your "thankers" but I am with Missy on this one.
Some people deserve it. Pitty he doesn't take it to heart.

miss_missy

chattychappy wrote: »

I don't understand how someone can be so rude!

im not normally rude sorry you feel that but i was being honest
thanks Any

Tixy

NPowerUser wrote: »

I am not proud but then again we will have to see what the system does to me. Please don't get angry about it. I just will accept what route they take in the future.

NPowerUser wrote: »

I am not proud but it got me a move away and hopefully some happiness.

Twice on the first page you state that you are not proud of what you have done. Yet to me your first post seems to be you coming on here very pleased with yourself to gloat about what you have done and how you have tricked the system.

I too wouldn't count on your card companies continuing to freeze interest for 2 years, especially whilst you save up £6k. I hope that they won't.
CCJs and charging orders could easily await you.

Act like an adult, work hard and start repaying your debts back in the proper manner.

JA1000

"In 2 years time, move, mortgage free, then set about paying down all my credit card debt and personal loan."

You are saving to move again!!!

Bored of this thread now. Yaaaaaaaaaaaaaaaaaaaaaaaaaaawwwwwwwwwwwwn