Shaw brook Bank new windows referral.

Batesy1976

Dandytf said:

Batesy1976 said:

Dandytf said:

thanks reply's to this recent thread.
Today Anglican Windows/Sales rep has found HFC Personal Finance.
Cost agreed 60 pounds per month across a few years, though as I improve financially, i'm looking to clear 3-4 years max.
Looking forward to home improvements.
thanks 

What's the APR?

9.9% apr.
Only concern is the term, though I intend to at least half 96 months, 36,38 or 40.
thanks

Halving it will make little difference to the amount you repay.  For example, you'll pay about £5800 over 96 months but if you repay early you'll still repay £5300.  You really should reconsider this and save the money instead, you're just flushing money down the toilet.

Edit to add:  And I assume you've only got 1 quote, from Anglian?  If so that's also crazy. You should get at least three and you should really look for a local installer with a good reputation you'd probably save a packet just going with them.

Dandytf

Maybe my new front door agreement deserves a new thread.
Though thought it appropriatee to continue with this, as I had previously mentioned declined Anglican Windows from Shawbrook Bank.
Good news this weekend as Shawbrook Bank had offered Anglican Front door finance.
Maybe cause the door value is 50-60% less credit required.
thanks

[Deleted User]

Rather makes me think of the famous Doomsday Clock
Countdown to Dandytf's next DRO/Bankruptcy

Dandytf

@Deleted_User
not very GDRP Compliant that last comment from you.
At least start with upto date and accurate

[Deleted User]

Dandytf said:

@Deleted_User
not very GDRP Compliant that last comment from you.
At least start with upto date and accurate

It's nothing to do with GDPR, I do not hold any data on you and nothing has been said that isn't something you have stated publicly yourself.
What is not accurate? The fact you had a DRO and since getting out of it, you have been going around running up loads of credit again, which you admit yourself you do for a rush? You have already admitted on the forum to at least 4 credit cards, a shopping account, this window loan, you have a £250 OD on your current account instead of going for nothing, you owe the DWP £500, you want to buy new TV/games console and yet you're saving small amounts in an account which is, in real terms, losing you money at 0.75% interest! As I said, it's a recipe for another DRO or bankruptcy as you won't listen to advice from people on here.

Dandytf

@Deleted_User
agreed as i quoted DPA .
anyway what isn't accurate?
try your attempt
Countdown to Dandytf's next DRO/Bankruptcy

ThisnotThat

Deleted_User said:

Dandytf said:

@Deleted_User
not very GDRP Compliant that last comment from you.
At least start with upto date and accurate

It's nothing to do with GDPR, I do not hold any data on you and nothing has been said that isn't something you have stated publicly yourself.
What is not accurate? The fact you had a DRO and since getting out of it, you have been going around running up loads of credit again, which you admit yourself you do for a rush? You have already admitted on the forum to at least 4 credit cards, a shopping account, this window loan, you have a £250 OD on your current account instead of going for nothing, you owe the DWP £500, you want to buy new TV/games console and yet you're saving small amounts in an account which is, in real terms, losing you money at 0.75% interest! As I said, it's a recipe for another DRO or bankruptcy as you won't listen to advice from people on here.

You forgot the grand they dropped on a new Dell XPS laptop funded through PayPal credit.

I'm at a complete loss Dandytf.  If you can't see that your spending is out of control with yet another line of credit (this is what, £2500-2700?) there's no helping you.

You've basically paid off all the DMP debt and run it right back up again.  It's effectively like consolidating a bunch of interest-free debt (I'm assuming the defaulted debt was no longer charging interest) with interest-bearing debt.   Sheer madness.

[Deleted User]

Dandytf said:

@Deleted_User
agreed as i quoted DPA .
anyway what isn't accurate?
try your attempt
Countdown to Dandytf's next DRO/Bankruptcy

That is an opinion, not a statement about your actual identity or financial state. Neither GDPR nor DPA apply to a personal view held on the forum which is obviously a joke.

It's also pretty obvious that you haven't learned from your DRO given your rush to get credit all over again. I was supportive and defended you quite a bit early on in your rebuilding journey but it's just gotten ridiculous now with the amount of debt you are rushing back into for no reason. 
Plus your rude habit of constantly @ people on the forum rather than replying, means I'm out. Blocking you to avoid the inevitable fall out as I'm not the sort of person who wants to say "I told you so". I'd just suggest you listen to the advice from people on here, especially experienced and well regarded members like sourcrates who works hard to help people like you get back to the point of normality and yet it's clear you are throwing this away in your credit rush.

MovingForwards

Obtaining and using credit after any previous credit issues, whether it's bankruptcy, IVA, DRO or an informal DMP is usually taken with caution, used very carefully and often a means to prove things have changed.

A lot of people after being in a DMP, like you were, are in no rush to ever use credit again and most will only ever have a mortgage. Not because they don't trust themselves, but due to knowing how easily circumstances change and they never want to be in that financial situation again.

It's scary what you do, especially as you've got health issues. You should be finding ways to future proof your home, consider buying a more suitable property as you may not get allocated one if / when your health declines further.

You wear your credit applications and credit like a badge of honour, like a scout who has earned another badge and gets to sew it on. 

None of us can understand why you keep applying for credit or even why you feel the urge to keep telling people.

It's one thing saying I'm in was in a DMP but managed to get a credit card, that gives people hope there's life after debt, but to keep applying for different things and always coming up with 'justification' for it, often leaves me scratching my head and wondering why.

Credit is borrowing money you haven't earned or received in benefits, you're borrowing from your future self.  One day that person will be very annoyed as you will be skint and trying to dig your way out again.

Unfortunately, each time someone gets into debt, it's always for more than it was the previous time(s), it was always going to be different, it wouldn't happen again.

The DFW boards are full of people trying to get out of that hole, either through spending more than income, loss of job, relationship breakdown and numerous other reasons. Each one has to understand why it happened, what to do to ensure it doesn't occur again and usually has quite a tight budget while clearing the debt; that hardship stays with them as a reminder they never want to be in that position again.

To me, it seems you never had that, just ticked along and paid a bit off each month. Never experienced the struggle of living while paying debt off and the sacrifices that came with it. As a result you've not changed your ways.

One day you will wake up, work out what it is you're looking for and at that stage, I hope it's not too late.

Dandytf

@MovingForwards
Home improvemets howevr minor are to be some suistainable pleasure during '21 
p.s. contueing to reach Zero Balances remainder of year, not too far off.
Excluding Windows/Door, hopefully theyre 3 years.