The Sub Prime Credit Thread - Part V

Zack1

izools wrote: »

I'm on a £35 a month contract - for that I get 1GB 3G Internet, 2000 Mins, 4000 Texts, 3000 Three-to-Three mins, 100 SMS messages, and an Experia X10.

I can browse the web very effectively on the handset or connect it to my laptop and do the same. No need for a separate mobile broadband contract these days

Yea I stick my PAYG sims in my broadband dongle and buy the 50p a day thing, but technically you're not supposed to do that

I'd like proper mobile broadband though as what o2 gave me was shocking so I couldn't use that, and the PAYG ones are shocking too and run out after half hour. They've now messed up my contract so I actually get unlimited internet and unlimited texts (should only have one), so I might just use that (only used to have 1mb), but bit scared of them backdating charges so don't want to go overboard :rotfl: My contract expires in November though and I'm changing as soon as I can so it's only a temporary solution for my 4 epic train journeys in August! So actual mobile broadband would be nice, but it's not value for money and I'd go way over 1/3/5GB limits

edinburgher

But over the 24 months you'll be paying £600 ~ £720 for a £275 laptop.

How does that make it easier to get your deposit saved up over time?

First things first - I'm not a total thicko - I made this choice for some fairly specific reasons

It wasn't one of those deals where you've given a random crappy netbook and pay through the nose for it. I got a decent mid-range gaming laptop of my choice and now I'll pay through the nose for it

Total cost = £99.99 + 24*40 = £1059.99 for a £600 laptop and £360 worth of broadband access that we would have taken anyway (not getting a landline in our next place).

So I'm overpaying by £100 over 2 years. Oh God, the shame (sarcasm alert).

We're buying a house in 6 months - I'd far rather lose £20 a month (GF will pay half) and keep the £600.

Perhaps you could make more informed comments if you actually bothered to ask a bit more about the circumstances instead of just coming across as cheeky?

Is that the month 4 increase? Or just a random one?

Not entirely sure mate - they've reported 5 months of credit history to the CRAs, but I'm fairly sure I've only had 4 statements generated so far.

izools

edinburgher wrote: »

First things first - I'm not a total thicko - I made this choice for some fairly specific reasons

It wasn't one of those deals where you've given a random crappy netbook and pay through the nose for it. I got a decent mid-range gaming laptop of my choice and now I'll pay through the nose for it

Total cost = £99.99 + 24*40 = £1059.99 for a £600 laptop and £360 worth of broadband access that we would have taken anyway (not getting a landline in our next place).

So I'm overpaying by £100 over 2 years. Oh God, the shame (sarcasm alert).

We're buying a house in 6 months - I'd far rather lose £20 a month (GF will pay half) and keep the £600.

Perhaps you could make more informed comments if you actually bothered to ask a bit more about the circumstances instead of just coming across as cheeky?

Ah OK fair enough I'll shut up then

Thankfully you looked hard enough not to be taken in by one of the more common deals :beer:

edinburgher

Thankfully you looked hard enough not to be taken in by one of the more common deals

Oddly enough, it was the only one I could find and I was probably vaguely lucky to do so (Currys Digital - not that I recommend the shop )

Don't be too hard on yourself - I'm every bit as critical of most of these deals myself! Still, needs must when the devil (and very specific circumstances) drive!

izools

edinburgher wrote: »

Oddly enough, it was the only one I could find and I was probably vaguely lucky to do so (Currys Digital - not that I recommend the shop )

Don't be too hard on yourself - I'm every bit as critical of most of these deals myself! Still, needs must when the devil (and very specific circumstances) drive!

Fair cop. Next time you're due for an upgrade I can wholeheartedly recommend the Lenovo / IBM T-Series Thinkpads. eBay is a great source, my house mate has a T43p and I have a T61p, £250 and £550 respectively and they are phenomenal machines. Built like bricks, impossible to break unless launched out of a window, great quality, high spec, all round superb machines.

Worth keeping in mind for a few years down the road

edinburgher

Next time you're due for an upgrade I can wholeheartedly recommend the Lenovo / IBM T-Series Thinkpads

Thanks for the tip - I've started a £20/mth SO to savings cover the cost of replacement, hopefully won't need touched for 3 years or so.

BugsyBrowne

edinburgher wrote: »

First things first - I'm not a total thicko - I made this choice for some fairly specific reasons

It wasn't one of those deals where you've given a random crappy netbook and pay through the nose for it. I got a decent mid-range gaming laptop of my choice and now I'll pay through the nose for it

Total cost = £99.99 + 24*40 = £1059.99 for a £600 laptop and £360 worth of broadband access that we would have taken anyway (not getting a landline in our next place).

So I'm overpaying by £100 over 2 years. Oh God, the shame (sarcasm alert).

We're buying a house in 6 months - I'd far rather lose £20 a month (GF will pay half) and keep the £600.

Perhaps you could make more informed comments if you actually bothered to ask a bit more about the circumstances instead of just coming across as cheeky?



Not entirely sure mate - they've reported 5 months of credit history to the CRAs, but I'm fairly sure I've only had 4 statements generated so far.

Lets just hope its a mac you got..

edinburgher

Lets just hope its a mac you got..

Lol

I did go into the Apple store and found it to be such a temple to 'poser tech' that I left after less than 5 minutes. I do use an iPod, but for the moment that's as far as Apple and I go...

hennerz

hennerz wrote: »

My end goal is to be able to get a large mortgage (500k+) as soon as possible, somewhat irrelative of my proven income...

Any advice on how to go about this?

Anyone please?

BugsyBrowne

hennerz wrote: »

Anyone please?

Do the lottery mate think your chances might be higher..