Is GiffGaff refurbished phone, credit?

glentoran99

You obviously have a deep rotted hatred of banks which is why I find it difficult to understand why if you are so anti the system why you are so desperate to be part of the system.

beckysheffield

glentoran99 wrote: »

You have no income, What makes you a better candidate than someone with a job, Regular income, and a record of borrowing and paying back credit ? all verifiable?

Its credit scoring not credit rating

Back in the day you could borrow 2.5 times income, do you know what 2.5 times 0 is?

If you had bothered to read my post it’s temp whilst I relocated.

beckysheffield

glentoran99 wrote: »

Tax payer bailed them out because if they didn't we would have all been screwed.


I can choose to get paid by cash if I wish, perfectly legally, and in some cases I do. Its easier to put it in the bank though, Ive paid and do pay cash for many things, How do they bank know my spending habit.


Ill pass on the virtual currency thanks, Ive seen friends lose thousands, Ive also seen how difficult it can be to turn it into a spendable currency, Try getting a pint of milk with bitcoin see how you get on

Cashless society will become a reality. You seem to be fully ok with banks forcing people to take out credit and banks controlling the world markets detrimental.

Desperate to be part of the system? You mean I want to own a house and need a small mortgage, and as I have to get that from a bank I’m “desperate” to be part of the system. Why are you so happy for fellow comrades to have credit cards and do whatever the bank say, instead of the customer having choice.

glentoran99

beckysheffield wrote: »

If you had bothered to read my post it!!!8217;s temp whilst I relocated.

Yes its temporary but its your current situation, So currently you are not in a better situation than someone else with a job

glentoran99

beckysheffield wrote: »

Cashless society will become a reality. You seem to be fully ok with banks forcing people to take out credit and banks controlling the world markets detrimental.

Desperate to be part of the system? You mean I want to own a house and need a small mortgage, and as I have to get that from a bank I!!!8217;m !!!8220;desperate!!!8221; to be part of the system. Why are you so happy for fellow comrades to have credit cards and do whatever the bank say, instead of the customer having choice.

Save and buy the house, If you are that good with money as you keep saying it shouldn't be a problem.

beckysheffield wrote: »

I do not know what a credit rating is and if mine is bad etc.
.

You really don't seem to understand the concept that for a bank to be willing to lend you thousands of pounds that they need to weigh up the risk of if you will pay it back or not.


You do have a choice no-one forcing you to buy a house, No-one forcing you to borrow to do so.


If you want to be part of the system you have to play by the systems rules. There is nobody holding a gun to your head to make you


Ask yourself, would you lend money to someone you know little about and the likelihood of repayment?




Maybe a credit union is what you need to be looking at

beckysheffield

glentoran99 wrote: »

Save and buy the house, If you are that good with money as you keep saying it shouldn't be a problem.






You really don't seem to understand the concept that for a bank to be willing to lend you thousands of pounds that they need to weigh up the risk of if you will pay it back or not.


You do have a choice no-one forcing you to buy a house, No-one forcing you to borrow to do so.


If you want to be part of the system you have to play by the systems rules. There is nobody holding a gun to your head to make you


Ask yourself, would you lend money to someone you know little about and the likelihood of repayment?




Maybe a credit union is what you need to be looking at

Sometimes you make valid points but mostly I!!!8217;m repeating myself and you don!!!8217;t take on board what I!!!8217;m saying.

Example !!!8220;would you lend money to someone you know little about!!!8221; you jest me? I!!!8217;ve been with a/the bank for 20 years. I!!!8217;ve good good finances, banks would give 100% mortgages. British passport. They lend to polish people who haven!!!8217;t been in the country as long as I have. Who!!!8217;s more likely to be a fake.

I actually can!!!8217;t be bothered to explain to you again, why I don!!!8217;t want to get a credit card. Thankfully there are people who can see how the banks screw everyone and aren!!!8217;t subservent like you, thinking the banks are doing you a favor by having a bank account.

Please don!!!8217;t comment on the thread anymore.