Brother paying £30 p.m charges using o.draft with Halifax?

Consumerist

premierfella wrote: »

My only advice to buel, based on my own experience with family, would be to treat the "lent" money as gift with repayment being a nice to have.

It is important to distinguish between a determined attempt by your brother to address his problems and a determined attempt by you to force him to address his problems. The latter is likely to lead to family squabbles over money.

In the hope that the former case applies here, you might want to start the ball rolling by thinking about the advice on the MSE Debt Problems page and then during the process you can get advice and encouragement (very important) from the Debt-free Wannabe forum.

iereboy

Again pooh on the gf. She should know better if she works for the Halifax. Surely the gf should be also trying to help him out with the mess. Is she?

He needs to live within his means. Again educate him on budgeting and using internet to manage his accounts.

The golden rule in his case : Earn more / spend less (Easier said than done I know)

Get him to sell unwanted items on ebay, do extra shifts at work to get the debt down. Do not spend any more on the card.

Get him to show you the CC bill and you can see the interest rates. Call him, speak to him, address the issue ASAP.

He has to live within his means. Again, if you have credit its not clever to wrack up spending just because you can.

Somehow I doubt the girl friend is solely to blame - it takes two tango.

Good luck!

buel

Thank you two, thank you Consumerist, that's what im trying to do+silly comments like jambosans's dont help me at all!
To Iereboy, you are totally totally correct, it is 90% his fault, my gripe with his gf is that she is very 'pro' Halifax, so much so that when my own gf went into her branch of Halifax to open a reward account(so i can put the £1000 in per month to get the £5, as i do with my own and my mum's) my brother's gf hassled her about house insurance + my gf had to refuse her 4 times before she would stop! Plus, she persuaded my 62yr old mum to get a Halifax credit card when she doesn't need one!

Consumerist

buel wrote: »

. . . so that when my own gf went into her branch . . .

Oops ! Sorry about the implied sex change above - now corrected.

iereboy

buel wrote: »

Thank you two, thank you Consumerist,that's what im trying to do+silly comments like jambosans's dont help me at all!
To Iereboy, you are totally totally correct, it is 90% his fault, my gripe with his gf is that she is very 'pro' Halifax, so much so that when my own gf went into her branch of Halifax to open a reward account(so i can put the £1000 in per month to get the £5, as i do with my own and my mum's) my brother's gf hassled her about house insurance + my gf had to refuse her 4 times before she would stop! Plus, she persuaded my 62yr old mum to get a Halifax credit card when she doesn't need one!

Jambosans is a realist - he means well.

If you wana thank someone, click the button.

Again pooh on the gf (3rd time). She seems very persuasive. Surely, if she's "family" she can take a hint, if you all truly don't want something.

Is all this problems down to just one silly little girl? Surely you all can tell her to get f ed!

If you're a true money saver, take the free products, split her commission with her. She hits her sales target, you get some dosh. Don't ask me where I learnt that from!

sunfleur

It sounds like the gf that works in the bank is all about herself as well since she will be getting some sort of incentive for everyone she signs up to these things.

opinions4u

sunfleur wrote: »

It sounds like the gf that works in the bank is all about herself as well since she will be getting some sort of incentive for everyone she signs up to these things.

Or perhaps she needs the sales to stop an aggressive sales manager from making her life a misery?

It can be a fine line.

We don't know if she's being over-enthusiastic in her pursuit of sales (for personal gain) or is being threatened with the bullet for being behind target.

Again pooh on the gf (3rd time).

I thought that sort of thing was appropriate for a different type of forum.

jambosans

Consumerist wrote: »

If you've got nothing constructive to add to the discussion then surely it would be better to conceal your spiteful nature by saying nothing.

You're right, it wasn't constructive in terms of tackling the debt, but the implication that the brother's girlfriend is in anyway responsible for the OP's brother building up a debt is deflecting blame.

Perhaps (and we can only surmise), the girlfriend convinced her other half to take out a credit card in order to gain a sale, but she's hardly responsible for the subsequent spending spree. I think it is constructive to highlight that the OP's brother may have a debt problem, and blaming other people certainly won't resolve the issue.

I know we don't always see "eye to eye" Consumerist, but don't confuse a little harmless sarcasm employed to make a point with being spiteful for the sake of it. I'm very well aware you don't like my tone/ mannerisms, and despite the OP brushing it off as a "silly comment", I don't need you to police my comments. If you have an issue, report it to the mods, and if they feel it's in breach of Forum Rules they will remove it. Otherwise we're always going to get into these pointless exchanges.

Inactive

jambosans wrote: »

Did she also hold a gun to his head and force him to spend £2000 on the card?

Well said, I agree 100%.;)

Consumerist

jambosans wrote: »

Otherwise we're always going to get into these pointless exchanges.

These exchanges are not pointless at all. They expose you for what you are.

I shall continue with them, anyway. If you think they are pointless then feel free to ignore them. You do have an ignore button.

Edit

buel wrote: »

. . .silly comments like jambosans's dont help me at all!

So your comments aren't exactly "harmless" are they ?