Why????

izools

star-fire wrote: »

lol I came back 51 weeks to early.

Knew you wouldn't be able to stay away :beer:

BugsyBrowne

izools wrote: »

Knew you wouldn't be able to stay away :beer:

Its easier to stay away if your not interested in any of the threads, but soon as one come up what you feel like you may know the answer its then when you feel you have to join in.

Joe_Bloggs

@ izools
My query relates to your signature. Can you direct me to a post/posts where it makes sense to borrow at a higher rate than you can get from your savings rate ? You do not have to answer. My question may be considered rude / intrusive. I do not wish it to be taken that way.
J_B.

Blitz01

star-fire wrote: »

If I was a an alcoholic and get asked to go to a AA meeting the last person I would want telling me about booze is a councillor who has been to university to get his degree for the course.
I would want a ex alcoholic who has been their and done TBH to help me.

Why?
All it proves it that you are poor with finances but know the 'loopholes' to break free.

It's only a tiny percentage of people that come to this ite that intend to pay what they owe.

The rest are looking for a solution to dodge it.

creditisbadnews

Blitz01 wrote: »

Why?
All it proves it that you are poor with finances but know the 'loopholes' to break free.

It's only a tiny percentage of people that come to this ite that intend to pay what they owe.

The rest are looking for a solution to dodge it.

Its all a bit strange really.

izools

Joe_Bloggs wrote: »

@ izools
My query relates to your signature. Can you direct me to a post/posts where it makes sense to borrow at a higher rate than you can get from your savings rate ? You do not have to answer. My question may be considered rude / intrusive. I do not wish it to be taken that way.
J_B.

Well no because there aren't any.

One the balance of my savings outweigh the capital on my loan I shall repay the whole thing.

Unfortunately Zopa handle partial repayments a bit weirdly, last time I overpaid they just took that amount of the next direct debit voiding any benefit to making partial overpayments.

chattychappy

The source of advice doesn't matter - posters can make up pretty much anything about themselves (except perhaps the reps who are checked out) anyway. Just consider the content of what people say.

A mechanic may indeed make a hash of his own car, a dietician eat the wrong food. Doesn't mean their service is bad when they deal with clients.

Just because people can't take their own medicine doesn't mean it's bad medicine.

Joe_Bloggs

@iztools this may be old news to you but for those seeking finance then this may be of interest:-
http://www.guardian.co.uk/money/blog/2011/feb/01/consumer-credit-rules-responsible-lending-culture

The MSE member jamesd does dabble with Zopa from both ends.

J_B.

izools

Yes, both Zopa and Yes-Secure are excellent sites to be part of.

Yes-Secure for those with a mediocre to poor credit profile and Zopa for those with a good to excellent credit profile. Certainly a better way to obtain the finance one may need / want without worrying about what APR they might be offered or the such like. You set your own target APR and as long as the other members think your reasons for borrowing and lifestyle are sound and stable enough to justify the APR you've requested they'll lend at the rate you want.

Great sites :beer: