Bloody Hell
I've read about half of the first page of this QOTW and I'm depressed!

I work in a bank. Part of my job is to chase people who aren't paying. It's a shitty part of the job, and one that brings out the anger in me.

If you can't pay - Fine. Talk to me. Tell me you can't pay and the reason for it. If it's genuine, I can probably give you advice on how to save money.

If you're out of work and getting no income - Fine. Talk to me. Chances are you have insurance on your account and that will pay your loan repayments while you are out of work.

If you've gone to a Debt Management Company - Fine. I don't agree with a company charging you £50 per month to fuck up your credit rating for the next seven years, but it's your choice. Talk to me. I'll tell you how to get a company to do the same thing for you, free of charge.

DON'T lie to me. DON'T think that by ignoring my phone calls I'll go away. DON'T think I don't know every excuse in the book.

For anyone badly in debt and struggling, heed this advice - Talk to your creditors if they can't help you, or even worse, if they WON'T help you, at least you've tried.

And for anyone thinking of going to a Debt Management Company, ask yourself this - If you can't afford to pay the bills you already have, how the Hell can you justify paying a company who are basically going to NOT pay your bills?! Go to CCCS - Consumer Credit Counselling Service. They will do the same thing free of charge.

Sorry for the rant.
( SeasonTicketless is too often the statue, and rarely the pigeon., Thu 23 Nov 2006, 21:19, Reply)