Running out of time, needing to borrow in time for xmas...

greektony

barbarawright wrote: »

In which case a smaller a house should be worth more than half of that. Still, by your own account you don't know how to sell a house...

What puzzles me is that you blame the banks for everything - not your £300 a month gambling habit, not your £300 a month car insurance, not your decision to take out loans in the first place, not your failure to keep any records of how much more you were spending than you have coming in, not your failure to discuss this with your partner. But, even though it's all the banks' fault, you are still relying totally on your bank to sort out your problems for you. That makes no sense at all to me.

Nail..... head

Best post of this entire thread.

drew2k9

its people like ciscokid who have caused the nation to be in the financial state that it is in and having a huge knock on effect on everyone else.

its YOUR fault i wont get a cost of living increase this year!

ciscokid

barbarawright wrote: »

In which case a smaller a house should be worth more than half of that. Still, by your own account you don't know how to sell a house...

Get a grip...if you, as a potential buyer, came round to my house, froze your !!! off because there was no heating, saw a cracked roof in the kitchen, saw a flood in the kitchen due to burst pipes under the sink, saw no carpets and wallpaper upstairs etc. would you consider buying this house? No I don't think you would. But thats the state of my house right now. I don't know how I can sell that piece of crap.

barbarawright wrote: »

What puzzles me is that you blame the banks for everything - not your £300 a month gambling habit,

This started in the last year....its not always 300 a month (ie. sometimes it pays....)

barbarawright wrote: »

not your £300 a month car insurance

It was that or drive uninsured....which ended up happening anyway when I defaulted on payments...

barbarawright wrote: »

not your decision to take out loans in the first place

My reasons are my own here...I don't need to justify this to anyone.

barbarawright wrote: »

not your failure to keep any records of how much more you were spending than you have coming in

You try living in the wrong house 20 days out of the month and missing all the important calls/mail that goes to your normal house...

barbarawright wrote: »

not your failure to discuss this with your partner

See above

barbarawright wrote: »

But, even though it's all the banks' fault, you are still relying totally on your bank to sort out your problems for you. That makes no sense at all to me.

The banks rely on people like me to make mistakes, this is where the profit is for them. The rate at which they help themself to my money is quite literally criminal. I am actually offering "hey, i want to give you £7000 in interest" but they'd rather steal money from me than take it legit. In anything else in the world, if you get conned out of money, you usually stand some chance of making it back, if not at least compensation. The same rules should apply here.

Anyway, the bank just need to turn down 1 loan per day for a year that would have netter them 7000 in interest, and they have just turned down over £2,555,000....is it more profitable in the long run for them to bank on the mistakes of others to provide that through the fees and charges??

I phoned up my bank to ask the charges on my accont from life. They disconnected on me several times and eventually told me they could only give me the fees for this year. They told me a lot of the data is being archived in order to keep enough space available for current records. Pretty handy that. Anyway, my total this year was £1500 (more than my overdraft)...1500 * 5 > the amount they would make in interest from giving me a loan, its also risk free for them.....so I know full well the reasons banks will never help those in debt....doesnt mean to say I will blindly accept it!

ciscokid

drew2k9 wrote: »

its people like ciscokid who have caused the nation to be in the financial state that it is in and having a huge knock on effect on everyone else.

its YOUR fault i wont get a cost of living increase this year!

Hey hey, my delusion is spreading....most absurd remark I have read so far!! :rotfl:

Peelerfart

Good Morning cisco ,

I see the banks have made the weather rubbish today,and the roads weren't gritted where we live.

Still what do you expect with those greedy banks !

iamana1ias

ciscokid wrote: »

You try living in the wrong house 20 days out of the month and missing all the important calls/mail that goes to your normal house


!

I did. For almost 10 years. I didn't get into the state you have. And I didn't have a partner there who could open and read important mail for me.

Your excuses are utterly pathetic and your reasoning delusional.

Where did that £50k windfall go?

ciscokid

Peelerfart wrote: »

Good Morning cisco ,

I see the banks have made the weather rubbish today,and the roads weren't gritted where we live.

Still what do you expect with those greedy banks !

Well if it was the doing of the banks, then tough luck on them as the adverse weather has meant I get to work from home today, this also means at lunch time I will be within 5 minute walking distance from the bank so I will be paying them a quick visit armed with some simple cash flow diagrams, spreadsheets, soa's and an AK47 for backup.

SaverT

My last post on this thread.

You have an excuse for everything, you don't want to see the truth, you haven't admitted the truth to yourself.

Most people with any sort of issues need some sort of wake up call. Gamblers tend to refer to it as rock bottom, on here it's light bulb moment. Whatever you call it, you clearly haven't found it yet.

I dread to think what it will take for you to find it, my guess would be when you wake up on a park bench one day having lost everything.

You won't get a loan and more to the point, you don't need one, you need to wake up face facts and plan your budget - try taking some of the advice you are given.

I suspect you won't and I'm very sorry for that.

When you do wake up and take responsibility for your problems I will try to offer advice again if I can.

Until then, good luck to you and much more importantly to your family

Emmzi

ciscokid wrote: »

The banks rely on people like me to make mistakes, this is where the profit is for them. The rate at which they help themself to my money is quite literally criminal. I am actually offering "hey, i want to give you £7000 in interest" but they'd rather steal money from me than take it legit. In anything else in the world, if you get conned out of money, you usually stand some chance of making it back, if not at least compensation. The same rules should apply here.

Anyway, the bank just need to turn down 1 loan per day for a year that would have netter them 7000 in interest, and they have just turned down over £2,555,000....is it more profitable in the long run for them to bank on the mistakes of others to provide that through the fees and charges??

I phoned up my bank to ask the charges on my accont from life. They disconnected on me several times and eventually told me they could only give me the fees for this year. They told me a lot of the data is being archived in order to keep enough space available for current records. Pretty handy that. Anyway, my total this year was £1500 (more than my overdraft)...1500 * 5 > the amount they would make in interest from giving me a loan, its also risk free for them.....so I know full well the reasons banks will never help those in debt....doesnt mean to say I will blindly accept it!

I used to be a bank manager and I can't begin to explain how utterly deluded you are - well, I can, but my head is still sore from the brick wall from yesterday.

Bottom line - they will lend when they think they will get it back. You have proven you cannot handle cash, so you are a bad risk. End of story; there is no conspiracy here.

Blindly accept it? No Accept with your eyes open that you are a TERRIBLE risk? Yes. You have no choice but to accept, cos no one is going to give you cash.

Go visit the DFW board, and also Up Your Income. Thaat's what'll help you, not this.

Blobby8_2

talana wrote: »

Yes please, please lock up the thread!!

Right, so let's condense the last 13 pages into one simple answer then shall we? YOU CAN'T!!
End of story...

Are you using the correct vowels here ?