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The energy crisis
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Old 15-12-2023, 14:34   #2431
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Re: The energy crisis

what an absolute piss take

---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------

people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
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Old 15-12-2023, 15:06   #2432
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Re: The energy crisis

Many who have fallen into debt possibly spent their freebies from HMG on "other things" I suspect.
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Old 15-12-2023, 15:24   #2433
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Re: The energy crisis

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Originally Posted by Taf View Post
Many who have fallen into debt possibly spent their freebies from HMG on "other things" I suspect.
Not us l may say as our gas and electric are in good credit..
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Old 15-12-2023, 17:00   #2434
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Re: The energy crisis

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Originally Posted by Jaymoss View Post
what an absolute piss take

---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------

people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
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Old 15-12-2023, 17:14   #2435
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Re: The energy crisis

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Originally Posted by TheDaddy View Post
Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
Tell OFGEM what you think
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Old 15-12-2023, 17:24   #2436
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Re: The energy crisis

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Originally Posted by TheDaddy View Post
Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
Some people are foolish and waste money but some are legitimately struggling those deserve compassion not derision
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Old 15-12-2023, 17:33   #2437
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Re: The energy crisis

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Originally Posted by Itshim View Post
Tell OFGEM what you think
And they are suddenly going to listen as they have had plenty of time to consider things before they made this announcement.
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Old 15-12-2023, 18:35   #2438
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Re: The energy crisis

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Originally Posted by denphone View Post
Not us l may say as our gas and electric are in good credit..
We are the same. We build up credit during the warmer months to have it whittled away during the colder times.

Scottish Power recently tried to drop our DD by half, but I did the calculations, and saw we would have to pay more than we pay now to clear the debt that would cause.
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Old 15-12-2023, 19:41   #2439
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Re: The energy crisis

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Originally Posted by Jaymoss View Post
what an absolute piss take

---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------

people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
How does that help the businesses that are owed money? As it is, there are huge squeals at any attempts to get people to pay any debt off.
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Old 15-12-2023, 19:58   #2440
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Re: The energy crisis

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Originally Posted by nomadking View Post
How does that help the businesses that are owed money? As it is, there are huge squeals at any attempts to get people to pay any debt off.
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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Old 15-12-2023, 20:17   #2441
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Re: The energy crisis

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Originally Posted by Jaymoss View Post
Some people are foolish and waste money but some are legitimately struggling those deserve compassion not derision
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 View Post
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
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
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Old 15-12-2023, 20:55   #2442
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Re: The energy crisis

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Originally Posted by TheDaddy View Post

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
How is it a scam? you saying I am dishonest? Still does not matter I knew you were going to judge me you seem that kinda guy

I think actually you mean the energy top up thing ok I understand now
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Old 15-12-2023, 21:02   #2443
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Re: The energy crisis

Quote:
Originally Posted by Jaymoss View Post
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
The energy SUPPLIERS are NOT making billions. They are OWED £3bn.
They are restricted in being able to raise prices and are not allowed to cut people off.
The lenders of money that doesn't get paid back, raise their interest rates for everybody else and/or reduce rates for savers. Same principle, others pay for non-payments.
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Old 15-12-2023, 21:14   #2444
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Re: The energy crisis

Quote:
Originally Posted by nomadking View Post
The energy SUPPLIERS are NOT making billions. They are OWED £3bn.
They are restricted in being able to raise prices and are not allowed to cut people off.
The lenders of money that doesn't get paid back, raise their interest rates for everybody else and/or reduce rates for savers. Same principle, others pay for non-payments.
Well British Gas made almost a Billion first half of this year



This report seems to contradict you also somewhat

https://www.independent.co.uk/news/b...-b2388968.html

https://www.homebuilding.co.uk/news/...afford-heating
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Last edited by Jaymoss; 15-12-2023 at 21:18.
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Old 15-12-2023, 21:25   #2445
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Re: The energy crisis

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Originally Posted by Jaymoss View Post
Well British Gas made almost a Billion first half of this year



This report seems to contradict you also somewhat

https://www.independent.co.uk/news/b...-b2388968.html

https://www.homebuilding.co.uk/news/...afford-heating
And that was to recover previous LOSSES, so they didn't add to the list of those going bust or ending their business.
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