Was talked into getting an RBS loan which I didn't ask for

Thrugelmir

bargainbetty wrote: »

I don't think the tone of this thread is helpful overall, but there is an element of truth in many of the posts. It is not about 'insulting people in debt'.

On an open forum they'll be a variety of views. People can choose to accept or ignore whatever they wish. However at least reading other points of view will widen their perspective, if not today but in the years to come. Life is all about experiences, from the day we are born to the day we die. We never stop learning.

Deadbeat

I have no right to judge - as some people here are doing - as I've been in a very similar position.

The second time I swore would be the last, and with some luck and some strict controls on spending was able to pay off the bank loan ahead of schedule. Since then I've learned to deal with my money (and spending) better.

To the OP: please take this as an opportunity to learn from your past mistakes and get rid of your debt. A bank loan / consolidation loan can have its pitfalls as you have discovered but with careful management and self-discipline can be an effective solution.

And ignore the chorus of naysayers. You can do this.