Re: Moans and Pet Hates - Part 8
 

Recommend melatonin tablets, as a safe sleep inducer. Needs a prescription , but you can usually get it mail order from abroad.

Re: Moans and Pet Hates - Part 8
 

I get free scripts. What is the chances of getting my Doc to prescribe them though

Re: Moans and Pet Hates - Part 8
 

Not available in the UK unfortunately, even on prescription. But they are great. I pick them up in the supermarket whenever I'm in the US.

The doc may well prescribe something else though

---------- Post added at 13:41 ---------- Previous post was at 13:35 ----------

Get yourself a new hobby. Here are some suggestions:
https://luxurycolumnist.com/the-most...-in-the-world/

Or get a dog. (Oh hang on, you are one!)

Re: Moans and Pet Hates - Part 8
 

Haha

I had a heart scare a few years ago and as you can imagine quite wound up so they gave me a diazepam. I think there has only ever been 1 time I have ever been more relaxed that that and that was when I attained Nirvana in a tent in Great Yarmouth coming down off an acid trip hahaha

Would love a few diazepam every now and again to catch up hahaha

Re: Moans and Pet Hates - Part 8
 

My eldest gets melatonin on prescription. Its fantastic for kids ;)

Re: Moans and Pet Hates - Part 8
 

I stand corrected. That must be a recent development.

Re: Moans and Pet Hates - Part 8
 

Businesses that have no clue and don't listen to the customer.


Went into a shop for something the other day that would cost £800.
The guy then spends an hour trying to convince me to buy a model that costs £3600 with all bells and whistles.


1) I had my budget set.


2) I don't need all the bells and whistles. The main point of what I want it that it does one job, not a billion different things.


It's like going to buy a Fiesta and they try and sell you a Porsche.


LISTEN TO THE NEEDS OF THE CUSTOMER.


The result: He lost the sale and I went elsewhere.

Re: Moans and Pet Hates - Part 8
 

Black Friday deals, lots of good stuff but nothing I want to spend on, this is a my problem though. Lol

Re: Moans and Pet Hates - Part 8
 

No idea if its recent, but you can get 3mg tablets from several online uk pharmacies, just fill in the questionaire and they dispense it via private prescription.

Re: Moans and Pet Hates - Part 8
 

So they can issue the script?

---------- Post added at 19:29 ---------- Previous post was at 19:20 ----------

I can only find them prescribable for jet lag and not very cheap. Plus the possible side effects could actually end up making root causes worse :( I tried Valarian root but then gave me palpations. An ounce of weed would last longer and have the same effect. Shame you can not get that prescribed for sleep disorders

Re: Moans and Pet Hates - Part 8
 

Technically, yes, but you'll never see it, they just send you the meds.

Re: Moans and Pet Hates - Part 8
 

Credit card companies. They can debit your account in a second, but a credit takes several days to apply...

Re: Moans and Pet Hates - Part 8
 

I have paypal 3K credit. I use it when there is interest free offers on stuff but they are so slow to make adjustments on figures when you pay. They do scheduled payments so instead of you just clicking pay now and it doing a bank transfer it does it later that day or even the next day they takes days to update the account

---------- Post added at 20:45 ---------- Previous post was at 20:33 ----------

The paypal thing brings another pet hate of mine and that is credit in general

About 8 years ago now I got into a lot of financial trouble due to credit companies giving me access to way more credit than I could ever pay back and a breakdown that led me to just spend spend spend as a form of comfort. I got into 16K total debt. I took out an IVA and paid £105 per month which was literally all I had spare on a tight tight budget for 5 years and they then writ off the remaining £10k.

Within a month of me taking out the IVA I was approached in town by a Capital One credit card salesperson. She was really quite pretty so I spoke to her and told her I had no chance of being accepted. She said "I accept that challenge". I asked if she was on commission and if she got paid on a failed application and she said yes so I said consider this me buying you a drink and filled out the forms. They gave me the card with £500 credit even though I was in 16K of bad debt

5 years passed and the IVA was satisfied another year passed and it was no longer on my credit file. Since then I have taken out 3 credit cards(all had bonus sign up offers giving me Amazon vouchers and the like) Paypal credit, AO finance (had to buy a fridge freezer) and a Very catalogue account. Total possible credit somewhere around 10K. Maddest part of all the Very is one of the creditors on my IVA with a written off debt of around £2k yet they still gave me another account with the same amount of credit limit

I have learnt my lesson and will not ever get in trouble like that again. I budget strictly and only spend what I can afford but with my history and how things are in general it should be illegal for credit companies to give more credit than a person can possibly repay. All the credit agencies do searches and all the searches know your employment status and income so there is no excuse for them not to know

Re: Moans and Pet Hates - Part 8
 

They do know, they just dont care that much. ;)

I worked at Experian for 10 years.
The credit business is just a risk managing business.
Sometimes they will lose out, but they make far more than they write off.

You can actually borrow up to £500 while you have an active IVA.

A completed IVA will lower your credit rating, but it doesnt stop you getting credit.
All it means is some will refuse you, the rest will take you on, but probably offer lower limits and/or higher interest rates.

IVA's get deleted from your credit report 6 years after they start.
(and from the Insolvency Register, three months after they complete).

Re: Moans and Pet Hates - Part 8
 

I think there needs to be legislation because it can ruin lives and some people commit suicide. I promote IVAs and Debt Relief Schemes for those with lower debt and income but a lot of people will never hear about them and will spends years paying back a debt they should never have been allowed to accrue in the first place