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We are odd.
Profile | Posted by | Options | Post Date |
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Sharron | Report | 7 Mar 2016 17:18 |
As far as I am concerned, my OH is a financial bus smash but we have some money together now and have taken advice as to how to discharge his debts so that we don't carry them on through old age. |
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UzziAndHerDogs | Report | 7 Mar 2016 17:26 |
Ha ha Sharron I always knew you were odd :-D :-D but I will join you in being odd about debt. I have always believed in paying cash rather than credit. Although I have taken credit when I have known I can pay when needed. I have been in debt and it´s worried the s***e out of me. |
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Researching: |
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Sharron | Report | 7 Mar 2016 17:45 |
I just find it so hard to believe that huge debt is now the norm. |
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UzziAndHerDogs | Report | 7 Mar 2016 17:56 |
So do I Sharron, I hate owing money. |
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Researching: |
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SuffolkVera | Report | 7 Mar 2016 18:01 |
I'm not sure it's the norm amongst those born earlier than, say, the 1960s but my children and grandchildren's generation just seem to assume that it is OK to have loads of debt. When my daughter was at college she couldn't pay a credit card bill so she cut up her credit card and has never had one since. As a student I think that took guts and we were so proud of her. |
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+++DetEcTive+++ | Report | 7 Mar 2016 18:03 |
Technically, a mortgage is a huge debt. All is well while you have an income to pay the installments, but if you lose your job?? |
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Sharron | Report | 7 Mar 2016 18:17 |
The CAB was the first step but things have moved on and I do like to gather information before I do anything. |
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Rambling | Report | 7 Mar 2016 18:19 |
Go in with a low offer! |
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Sharron | Report | 7 Mar 2016 18:31 |
Thank you. That is more advice than we have had from many agencies. |
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Dermot | Report | 7 Mar 2016 18:51 |
Money - the aphrodisiac that never lets you down, until it does. The deficit is caused by spending all our money & buying nothing much of lasting value. |
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Robert | Report | 7 Mar 2016 20:07 |
Do I want it? YES |
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SylviaInCanada | Report | 7 Mar 2016 21:20 |
The only large debt that we have ever thought OK was the house mortgage |
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Researching: |
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RolloTheRed | Report | 7 Mar 2016 21:23 |
Whatever you do do not sign up with a debt mgt company they will have yr guts for garters and extricating yourself from them v difficult. Typically they take over yr income stream and more money goes on their fees than paying creditors. It is not unusual for agreed payments to creditors not to be made at all! |
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Sharron | Report | 7 Mar 2016 21:31 |
That looks fairly wrong Rollo. |
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maggiewinchester | Report | 7 Mar 2016 21:46 |
Rollo, that looks like a 'solution' for someone with a business that's rapidly folding, not just a few long term domestic bills!! |
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Researching: |
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RolloTheRed | Report | 7 Mar 2016 22:24 |
I was a senior honcho with Equifax for three years but I bow to yr vast knowledge of the consumer credit industry. |
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Kay???? | Report | 8 Mar 2016 07:58 |
https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-management |
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Denburybob | Report | 8 Mar 2016 19:52 |
A lot will depend on to whom you owe the money. If it is a company with usurious rates of interest they deserve to be knocked. Write and tell them that you can't pay them and see what happens. |