Declined £320 credit

pheonixrising21

KingElvis wrote: »

Amazing how worthless electronic tat like phones and ipads tempt people into spending money they haven't got on rubbish they don't need.

Go figure.

We all buy stuff we don't need every day. For example, any liquid to drink thats not tap water. If you drink anything other than tap water its based on a want and not a need.

Just thought I would throw that out there.

Catherine_Johnson_2

pheonixrising21 wrote: »

What makes you say this? The OP gives no indication of monthly payments.

Its negative comments like this which annoy me. There is no reason for such a comment. How do you know there will be "a hitch"?

Past history?

Apples2

pheonixrising21 wrote: »

What makes you say this? The OP gives no indication of monthly payments.

Its negative comments like this which annoy me. There is no reason for such a comment. How do you know there will be "a hitch"?

The OP asked us to figure something out but didn't tell us what.
My post is what I understood as something which needed to be figured out by the OP.

He has a past history of bad credit but rather than address this he ran around grabbing credit cards so he had spending money for a holiday.

Now he is struggling with his outgoings each month, struggling enough to feel as if a weight has been lifted by taking on a TEN THOUSAND POUND DEBT not including Interest.

AND wanted an Ipad on credit....

If you can't see the warning signs, I understand fully how you come to have that signature.

iolanthe07

pheonixrising21 wrote: »

What makes you say this? The OP gives no indication of monthly payments.

Its negative comments like this which annoy me. There is no reason for such a comment. How do you know there will be "a hitch"?

Have a look at his past posts.

fozmcfc

Apples2 wrote: »

The OP asked us to figure something out but didn't tell us what.
My post is what I understood as something which needed to be figured out by the OP.

He has a past history of bad credit but rather than address this he ran around grabbing credit cards so he had spending money for a holiday.

Now he is struggling with his outgoings each month, struggling enough to feel as if a weight has been lifted by taking on a TEN THOUSAND POUND DEBT not including Interest.

AND wanted an Ipad on credit....

If you can't see the warning signs, I understand fully how you come to have that signature.

Exactly, someone who is still trying to live a lifestyle they can't afford.

Whether the Ipad is interest free, having taken out a loan for 10k + interest, would highly suggest they should be looking at clearing debt and still not buying expensive items, which they no doubt do not need in any shape or form.

The money they would put towards the Ipad, would be better utlised towards getting them out of debt.

The OP sounds exactly like I was until 2009, buying electrics and holidays largely on a whim, while servicing a large debt and consolidating so the debt is getting larger and taking longer to pay off.

Hopefully as I did, they will get their lightbulb monent and finally realise it has to stop, before it ends in complete and utter disaster.

Or of course end up on DMP/IVA/Bankrupcy and suffer years of financial misery.

pheonixrising21

Apples2 wrote: »

The OP asked us to figure something out but didn't tell us what.
My post is what I understood as something which needed to be figured out by the OP.

He has a past history of bad credit but rather than address this he ran around grabbing credit cards so he had spending money for a holiday.

Now he is struggling with his outgoings each month, struggling enough to feel as if a weight has been lifted by taking on a TEN THOUSAND POUND DEBT not including Interest.

AND wanted an Ipad on credit....

If you can't see the warning signs, I understand fully how you come to have that signature.

And now you feel you know my life and see fit to pass vitriolic comment on it. Yes I have debt, I am comfortable with it. I will always have debt while I am earning. My debt is decreasing (you would know this from reading my signature).

In my defence, I did not know you had read all the OPs previous posts. Its not somthing I know how to do, so not obvious to me it can be done.

My comment was based solely on your response to just the OPs first post in this thread. Based solely on the OPs post, I felt it was unwarranted and your comment against me certainly is.

However, I apologise if I have caused any offence, but based on my understanding of the situation I felt you had been unduly harsh. I still feel you have been harsh on me as you know nothing about me.

fozmcfc

Well done, you are doing what the OP should be doing, reducing debt, but really you don't need to look at the OP other posts.

It's simple, taking out a 10k consolidation loan and still buying expensive electronics, really come on, that is just plain ridiculous.

lee2k5

awww thanks guys for all your support.

If I can't afford my debt I might just go bankrupt, at least I wont have to pay the money then for my lovely new Ipad I got on credit today. Might take out a bit more before I take the bankrupcy plunge though, may as well.....

Thanks for all your advice that wont be taken on board.

xxxxxxx

CHR15

lee2k5 wrote: »

awww thanks guys for all your support.

If I can't afford my debt I might just go bankrupt, at least I wont have to pay the money then for my lovely new Ipad I got on credit today. Might take out a bit more before I take the bankrupcy plunge though, may as well.....

Thanks for all your advice that wont be taken on board.

xxxxxxx

Go on pheonix, back the lad up now :T:T

Fiddlestick

pheonixrising21 wrote: »

I will always have debt while I am earning.

Why?

I don't understand.

Can you explain?

*genuinely curious*