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This is a question Debt pron

Watching TV the other day we caught one of these "Bank of Mummy or the Wife" type shows and we thought, "This is Debt Pron." I.e. peoples financial problems exploited for the voyeuristic pleasure of others. Then we thought, "We bet lots of people on B3ta have massive financial problems. Let's exploit them." So, confess them all. Dodgy credit cards, lending money to some bloke in the pub, visits from the bailiffs, using one card to pay off another. We want to wallow in your fiscal pain. So, what is your biggest money fuck up?

(, Thu 23 Nov 2006, 19:50)
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Bloody Hell
I've read about half of the first page of this QOTW and I'm depressed!

I work in a bank. Part of my job is to chase people who aren't paying. It's a shitty part of the job, and one that brings out the anger in me.

If you can't pay - Fine. Talk to me. Tell me you can't pay and the reason for it. If it's genuine, I can probably give you advice on how to save money.

If you're out of work and getting no income - Fine. Talk to me. Chances are you have insurance on your account and that will pay your loan repayments while you are out of work.

If you've gone to a Debt Management Company - Fine. I don't agree with a company charging you £50 per month to fuck up your credit rating for the next seven years, but it's your choice. Talk to me. I'll tell you how to get a company to do the same thing for you, free of charge.

DON'T lie to me. DON'T think that by ignoring my phone calls I'll go away. DON'T think I don't know every excuse in the book.

For anyone badly in debt and struggling, heed this advice - Talk to your creditors if they can't help you, or even worse, if they WON'T help you, at least you've tried.

And for anyone thinking of going to a Debt Management Company, ask yourself this - If you can't afford to pay the bills you already have, how the Hell can you justify paying a company who are basically going to NOT pay your bills?! Go to CCCS - Consumer Credit Counselling Service. They will do the same thing free of charge.

Sorry for the rant.
(, Thu 23 Nov 2006, 21:19, Reply)

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