Sorry, it's not the debt that's the issue, it's that you're going in saying "I can't afford to pay my debts. Please loan me some more money to settle my debts."
What could possibly go wrong?
wiping off debts
- Thread starter NoobieOCer
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Sorry, it's not the debt that's the issue, it's that you're going in saying "I can't afford to pay my debts. Please loan me some more money to settle my debts."
What could possibly go wrong?
[TW]Fox;17256532 said:
Sadly, fox does have a point
A large %, possibly even a majority of people in debt problems have done so through their own arrogance or stupidity and for most, it most certainly is their fault.
My point still stands however that people shouldnt be so quick to judge, we know nothing about the problems the OP's mum had that got her into this debt.
sadly the number who fit in the former group outweighs the number of people who fit the latter.
Soldato
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Oops internet sarcasm failure, I do not in any way agree with the tool on mse forum.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
I really wish they were allowed to chase you for every penny you squndered. Didnt you spend £40,000 of money you didnt have tuning a Subaru or something?
[TW]Fox;17262473 said:
Same, I'm sure I'm one of the few that has lived within my means for the last 5 years, bought nothing at all on credit, and 'missed out' on holidays, nice watches, cars etc. Makes me feel pretty angry when people just get whatever they want whenever they want it, then have it all written off when they decide they can't afford it.
They banks should be allowed to chase them for life.
I remember when I lost my job and was in £2k of debt and felt so stupid and depressed, god knows how people feel with 7.5k or even 40k.
Paying it all back and never ever having a credit card again and I live within my means, no gadgets, fancy clothes unless I save up for them.
Paying it all back and never ever having a credit card again and I live within my means, no gadgets, fancy clothes unless I save up for them.
I really hope that one day you make a mistake financially and are finally pushed off your high horse.
You believe that the person quoted "accidentally" spent that £40k tuning a car? Its pathetic.
MrLOL says that we should not be as quick to judge, you can hardly blame us after our opinion is consistently reinforced by everything we read. Just look at the MSE forums.
I really hope that one day you make a mistake financially and are finally pushed off your high horse.
I will thoroughly deserve it if I run up £40k of credit card debt. It will be absolutely my own fault.
I wouldnt call spending £40k tuning a car a 'mistake', though. Perhaps the fact that some people think its just a 'mistake' contribute to the problem.
What a stupid thing to say. Saying people should take responsibility for their actions rather than expecting others to pay for their mistakes is hardly being on a high horse...I really hope that one day you make a mistake financially and are finally pushed off your high horse.
Wow, I just agreed with Fox... I feel a little sullied
Hello pot, this is kettle...
Not at all, I was more referring to the fact that Fox has made his point quite clear already and is now coming across as more of an arse than usual.
I'd agree that borrowing substantially more than you can afford and wasting it is a stupid idea, but not everybody goes in with the same sheep mind set as people keep mentioning in this thread, there are situations where however much common sense you have you can still end up in a mess due to simply paying to keep a roof over your head etc.
I'd even go as far as agreeing with Fox to an extent as everyone needs to have financial responsibility, money isn't free and SHOULD be paid back, but I'm not of the opinion that the blame is entirely laid on whomever leant the money in the first place, and I'm certainly not going to come across in such an arrogant manner as Fox has.
Edit: Yeah, that wasn't the best quote to illustrate my point was it, well done Gimp :$
I'd agree that borrowing substantially more than you can afford and wasting it is a stupid idea, but not everybody goes in with the same sheep mind set as people keep mentioning in this thread, there are situations where however much common sense you have you can still end up in a mess due to simply paying to keep a roof over your head etc.
I'd even go as far as agreeing with Fox to an extent as everyone needs to have financial responsibility, money isn't free and SHOULD be paid back, but I'm not of the opinion that the blame is entirely laid on whomever leant the money in the first place, and I'm certainly not going to come across in such an arrogant manner as Fox has.
Edit: Yeah, that wasn't the best quote to illustrate my point was it, well done Gimp :$
The weird thing is there seems to be no shame. Some people hold it up like a badge of honour, Scubascorpion is constantly referring to it (The only reason I know the amount and what he spent it on).
You'd probably never hear about it if I did get myself into that sort of mess because I would be so ashamed of myself I wouldnt feel comfortable to talk about it.
You'd probably never hear about it if I did get myself into that sort of mess because I would be so ashamed of myself I wouldnt feel comfortable to talk about it.
[TW]Fox;17263196 said:
Looking at it like that I can see where you're coming from, as I agree that it is nothing to be proud of what so ever, but as I said not everybody in this kind of trouble is where they are for the same reasons.
Apologies for the quite frankly appalling quote to illustrate my point too, my bad.
Caporegime
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At one point I was £1,500 into my overdraft, and £4,000 on my credit card.
That was 2 years ago, hard work and more hard work means i have paid it ALL off with a little on my account too. It is a great feeling not paying £100+ on interest alone on the credit card and not making a dent in the sum owed.
I wasn't ashamed to be in debt but I don't talk about it.
[TW]Fox;17256532 said:
You'd have to question why somebody can get this amount of credit.
I don't agree with mounting up lots of debt then omfg I can't pay it I'm going to get in IVA or go bankrupt. Sometimes though the banks lend money a little easy as they know they'll be getting 20-30-40% interest of any defaults. Who's more greedy, the bank or the person spending the money the bank want to make off them?
IMO you should only be allowed ONE credit card linked to income. 40k's worth of credit cards is insane. wow.
Massive difference between that and spunking money on a car you havent got.
One is just the way it goes sometimes and the other is taking the ****.