Loan Protection!
Going back to council cnuts, a few years ago, I ended up out of work due to redundancy (well the company went bust, and we got no money, hell we never even saw out last months wages)
So I duly signed up for Jobseekers 'allowance' (if you can call the pittance you get an 'allowance') while I looked for another job.
As I had a bank loan at the time, I decided now was a good time to use the payment protection scheme I had paid for all this time (loan only had 4 months left on it as it was, just being on the dole I couldn't afford to pay it at the time)
Of course I had to send the dole office a form each month to stamp and send on to HSBC....every month, without fail, they managed to lose the form. In the end they finally managed to start sending the forms in but not before the bank had sent me some rather nasty letters, and basically my credit rating was destroyed due to this.
Still I got a job soon after and only had to make 1 more payment on my loan and it was all paid up haha.
Still to this day (4 years later) I still cannot get a credit card due to poor credit rating (even the Capitol one card for people with poor credit rating FFS!)
What makes it worse is, my g/f who hasn't worked in her life (just sponges off me and does f*ck all round the house either..until I get pissed off and kick her out that is, but that's another story..) is allowed to have a credit card...with a 4k credit limit...
MADNESS
(asmodean had too much christmas spirit on.., Mon 30 Jul 2007, 13:49, Reply)