Quote:
Originally Posted by Jaymoss
Some people are foolish and waste money but some are legitimately struggling those deserve compassion not derision
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Err they don't owe me money, they owe it to the energy companies, what a scam, they can't pay them so they'll make everyone else pay them instead
---------- Post added at 20:17 ---------- Previous post was at 20:16 ----------
Quote:
Originally Posted by Jaymoss
again it is not a one size fits all but I will tell you what happened to me a number of years and risk your judgement
I suffer from quite severe anxiety and depression and have done since I was a child. About 8 or 9 years ago I got into trouble I was going through a real bad time and got comfort buying nice things. I was on a low income but companies were throwing credit at me hand over fist a lot of it buy now pay later over about a year I accrued £16k debt and had no way of paying it off. I wanted to kill myself. I was fortunate enough to find out about IVAs and took one out. Paid 6K off over 5 years living on next to nothing and the rest was cleared.
Yes a number of firms lost money and yes I was to blame for the spending but they were responsible for facilitating that spending. They all did credit checks and all the agencies know employment status yet they still in some cases gave me 1000s of pounds credit.
I have no sympathy with energy firms they make billions and I have no sympathy for credit companies that do not loan responsibly.
Judge me how you will it matters not
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That's shit, really is but hey if scams like this had been around all those credit companies other customers would've paid them back for you