When I went to Uni
back in '99 I went to open a student account which promised untold wealth (well, £1k interest free overdraft). They asked me if I had any other student accounts (to which I said 'no' because I hadn't, then they told me my account would take a few days to open.

I had a moment of GENIUS. My student account wasn't open yet, so if I went along the highstreet and opened other student accounts I wouldn't actually be lying when they asked if I had any other student accounts.

I also realised that after hours Switch doesn't tend to do a proper authorisation unless you get cash-back. That meant that when I was in the pub of an eve I could stick pretty much whatever I liked on the card and as long as I wasn't asking for cashback it'd work. The overdrafts grew. And grew. And I got another account.

I dropped out after first year (I didn't bother paying the uni any rent and they chucked me out) and was left with blistering debts. I ended up changing rented house and not telling my mum the address because she was getting regular visits from bailiffs looking for me.

Two years ago I went on the electoral register in the knowledge that my debts would start to find me, and they did. I'm still paying them off, it'll be a few more years yet.

I'm praying my largest debtor has written me off because I really really don't want them to turn around and say "by the way cowjam, about that £7k you owe us..."
( CowJam, Fri 24 Nov 2006, 16:28, Reply)