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7th April 2008, 20:34
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#1
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Saxperience Post Whore
Join Date: Aug 2004
Location: Kunt & Sorrey
Posts: 5,763
Car(s): Rep mobiles & Joes ma
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Banks love people being in debt!
Who owes what and in what way?(Cards/loans/car finance)
I forgot how easy it was to get credit, had a fair bit of debt but paid most of it off, had a few cards left that i'd been paying interest on so decided to get a new card with 0% on balance transfers, came up with a credit limit of over £5k 
Deffo gonna just transfer all my dosh over and pay it off asap then maybe buy a few trick bits for the saxo.
Currently owe £1.5k on cards
No loans
£8k on car finance(paid £2k up front)
Owe a mate a bit for the saxo.
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7th April 2008, 20:36
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#2
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Saxperience Hardcore!
Join Date: Mar 2006
Location: Gym
Posts: 15,228
Car(s): 172 Cup
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No debt
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7th April 2008, 20:37
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#3
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Saxperience Post Whore
Join Date: Jun 2007
Location: Darlington
Posts: 8,766
Car(s): Icelandic Grey Citroen Saxo VTS
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i got a 3k loan that i pay every month off....got it from my dads bank (Barclays) dad got it out for me as it was better for him to have it than me, and i pay him back the day that it comes out of his bank.
Then i owe insurance etc....i pay about £400 out goings 
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7th April 2008, 20:38
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#4
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Saxperience Addict
Join Date: Mar 2007
Location: Cheltenham
Posts: 11,412
Car(s): Megane 03 1.6 VVTi Dynamique
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Dad (despise him, hate the bloke) - £700
Cards - £300
Loan - £2.8k
__________________
PSN: James260688
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7th April 2008, 20:38
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#5
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Saxperience Post Whore
Join Date: Aug 2004
Location: Kunt & Sorrey
Posts: 5,763
Car(s): Rep mobiles & Joes ma
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Quote:
Originally Posted by Tupps
No debt
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You bought your scoob up front with no finance? Well done!
I could sell my saxo and have enough to pay most of my debts off but there'd be no fun in that.
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7th April 2008, 20:38
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#6
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Saxperience Hardcore!
Join Date: Feb 2005
Posts: 29,674
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Bank sent me a letter today saying they have put my overdraft upto 3k. Never in it though.
I pay out roughly £280 a month.
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7th April 2008, 20:39
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#7
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Frequent Poster
Join Date: Dec 2007
Location: West Lothian
Posts: 919
Car(s): 02 Icelandic Ghey VTR
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credit cards are magic if you change them to keep getting the 0% deals. due to inertia - people tend to stick with one though.
i have £1400 0% student overdraft invested elsewhere. i'll pay it off as late as i can. leverage innit.
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7th April 2008, 20:41
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#8
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Saxperience Hardcore!
Join Date: Mar 2006
Location: Gym
Posts: 15,228
Car(s): 172 Cup
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Yes i paid cash for my scoob, i took pound notes and bought it private
I pay £80 a month to my mam for board thats my only outgoings
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7th April 2008, 20:42
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#9
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Saxperience Addict
Join Date: Mar 2007
Location: Cheltenham
Posts: 11,412
Car(s): Megane 03 1.6 VVTi Dynamique
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I cant save - need some lessons! or need to start dealing the hard stuff tbh 
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PSN: James260688
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7th April 2008, 20:42
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#10
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Frequent Poster
Join Date: Feb 2008
Location: southampton
Posts: 618
Car(s): Saxo VTR
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i owed over £20k last year - lol
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"im not a Complete Idiot - only some parts are missing " 
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7th April 2008, 20:43
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#11
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Saxperience Forum Bum
Join Date: Mar 2007
Location: Bath/Warminster
Posts: 2,616
Car(s): 57 plate C2 VTS & a saxo 1.4
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I have 8k finance. Which will be paid off before the end of the year, then the c2 will be all mine. YEY. Already saved up 1.5k to go towards paying off the car lol, woo
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Citroen C2 VTS petrol mpg
40mpg
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7th April 2008, 20:43
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#12
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Saxperience Addict
Join Date: Sep 2006
Location: Bridgend, South Wales
Posts: 11,234
Car(s): iTB 205 Rallye, 205 STDT.
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I owe £500 on finace for a Laptop.
thinking of putting that on a 0% card to quit the intrest.
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7th April 2008, 20:44
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#13
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Frequent Poster
Join Date: Feb 2007
Posts: 823
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ive got no debts, dont owe anybody anything.
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7th April 2008, 20:44
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#14
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Saxperience Forum Bum
Join Date: Jan 2008
Location: Ashford, Kent
Posts: 3,140
Car(s): Version Très Sportive
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No Debt as of yet =P
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Tru dat.
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7th April 2008, 20:45
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#15
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Central South
Join Date: Feb 2005
Location: Haywards Heath
Posts: 9,844
Car(s): Fiesta STripes
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Banks LOVE people being in debt, but when they are in too much debt they lose out big time.
IVA's write off a lot of that debt, and the banks hate it!
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Peugeot 106 | Fiat Punto | Saxo VTS | Zetec S | Clio 197 | Clio 182 | Saxo VTR 1| Fiesta ST | Saxo VTR 2| Saxo VTR 3| Mk 6 Fiesta ST | Mk 7 Fiesta ST3 1 | Mk 7 Fiesta ST3 2 | Mk 8 Fiesta ST PE with a Mk 6 Fiesta ST500 and a Mk 6 Fiesta ST150 "Nemo, Bessie and Stripes" Insta: @nemo_mk8_st
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7th April 2008, 20:45
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#16
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Saxperience Hardcore!
Join Date: Mar 2006
Location: Gym
Posts: 15,228
Car(s): 172 Cup
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I've thought about getting the tele i want over a few month finance but that would go against my moto
"if you can't afford it, don't buy it"
I know it's different for car's etc but i'm fortunate and saved up enough to buy mine
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7th April 2008, 20:46
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#17
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Established Member
Join Date: Aug 2007
Location: South Wales
Posts: 2,076
Car(s): Saxoless
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how quick can you get a credit card and start using it?
any reccommendations?
no debt but would like to have a bit more money to spend each month
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7th April 2008, 20:46
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#18
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Saxperience Forum Bum
Join Date: Oct 2006
Location: Keighley, West Yorkshire & Coventry
Posts: 3,416
Car(s): Lupo gti
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Just my student loan, spent that on cars and insurance for them. But i have £1250 saved up for when i go to america next year.
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Quote:
Originally Posted by Ruddy
#6 Gears ftw!!!!
You know it will dick on most small hot hatches too.......
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Quote:
Originally Posted by 0rang3peel
you gota be joking right, he puts our country to fucking shame. Hes about as gangsta as my limp cock after a 15 hour wankathon
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7th April 2008, 20:46
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#19
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Saxperience Post Whore
Join Date: Mar 2006
Location: United Kingdom (England)
Posts: 6,802
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i HATE debt.
£7k loan
£800 on credit card
£350 over draft
Nothing to show for the loan either - sucks!!!
I would reccomend virgin credit card if you really need one. But id advice against any kind of debt if it can be helped as you just keep addding to it.
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7th April 2008, 20:46
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#20
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Established Member
Join Date: Oct 2006
Location: birmingham
Posts: 1,563
Car(s): vtr mk1, clio 172
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only owe £200 on a credit card
and just the usual outgoings per month, rent and phone etc.
even insurance was paid for in one last year. quite lucky really tbh.
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172 is here!
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