Keep your eye on your credit status kids.

Fucking hell, i got a call today from the BMW garage today telling me the
finance on the GS800 wouldn't go through. I put it through the company like
the K, so i credit checked our company to find we had a CCJ. I knew nothing
about this & looked further into it. It was for a different fucking company
with a similar name. Letters wrote to sort it & not the end of the world. To
speed up things I told them to just shove it in my name whilst it's sorted.
An hour later I was given the news that it wouldn't go through on me either?
Anyway, the very nice lady from BMW finance told me I was four months in
arrears on a loan i took out to buy out my business partner. Like **** I was
& a call to Shatwest confirmed this. To be fair to Natwest they contacted
them to sort it.

Just goes to show, twice in one feckin' day.

I'm gonna sign up to a credit status monitoring system.

Don't even get me going about the **** salesman at work that dumped his car
at the office & left his keys & a pathetic note telling me he couldn't take
the pressure of sales anymore. Only to be found out working for us & another
company at the same fucking time. He's currently getting sued to ****. No
names mentioned.

What a shit week.

--
Nige, 'That's not my name'

Range Rover Td6 Vogue
BMW K1200S (off soon)
Suzuki GSX-R1000 K3
Focus ST3 (off soon)
Audi A3 Cab
BMW F800GS

 

I left a job working for a Manchester firm once because they were
monumentally shite. I phoned them to say I'd be leaving, they told me
to drive the car back up to Manchester and I'd have to make my own way
home to Norwich. I told them to get fucked and that the car was going
to be outside my house if they wanted to collect it, and the keys to it
would be up the exhaust.

Three weeks later someone arrived and drove it away.

 

This fucker was performing well up to the last few weeks when i could tell
he was just dropping off. He had been working for another company all along
& just farming the good stuff to his mate.

He was paid well & had all the trimmings. I even overlooked the fact he was
a councillor & attended meeting in works time (thick twats blog) as he did
his job well.

He didn't cover his tracks very well this last week, he replied to all
whilst trying to steal our work for his other job. He had to jack it in as
on Monday it all became evident.

FFS.


--
Nige, 'That's not my name'

Range Rover Td6 Vogue
BMW K1200S (off soon)
Suzuki GSX-R1000 K3
Focus ST3 (off soon)
Audi A3 Cab
BMW F800GS

 

I trust local politicians even less than I do MPs - I lived with one
for 7 years.

 

The guys a crook, utter **** that will feel the wrath. They'll be getting an
injuction shortly if we get our way.

Utter fucking slimball.


--
Nige, 'That's not my name'

Range Rover Td6 Vogue
BMW K1200S (off soon)
Suzuki GSX-R1000 K3
Focus ST3 (off soon)
Audi A3 Cab
BMW F800GS

 

@mid.individual.net:

Indeed.

Although, when he was an electrical contractor, my brother did very well
from a relationship with a councillor on the planning committee...

 

These folk make you sick. Time to out the ****.

--
Nige, 'That's not my name'

Range Rover Td6 Vogue
BMW K1200S (off soon)
Suzuki GSX-R1000 K3
Focus ST3 (off soon)
Audi A3 Cab
BMW F800GS

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Nige

Oh hardly.

Surely one in a family is enough?

Oh... Wait...

 

I don't think he was in the velvet mafia. This was Shropshire. They have
other, err, associations.

 

He's right you know - the only things I've ever really done on credit
are houses and my last 2 bikes, and then only as kawasaki were doing
0% deals so I could shove the money into my offset mortgage instead..
once in a blue moon I might defer paying the whole month off on the
credit card, but that's fairly rare.

I've a very old-fashioned approach to money though and don't get the
whole idea of paying more for something by borrowing, if you can't
afford it then don't have it.. or save up like previous generations
used to do.

 

Presumably the wife would have saved up to go to uni anyhow, and I
have no idea how much uni costs, but doesn't it all go into some kind
of student loan these days that then gets paid back at a pittance once
the offspring get suitable jobs?

As for college, I don't recall college costing much at all other than
needing a few textbooks and notepads, which incidentally the year
above generally cascaded on to the class below for beer money.. In
fact when I went I think I got by on next to nothing by taking a
packed lunch, and walking the 3 miles each way most days, as it was
good excersise.

 

Time value of money, innit. The added value to you of something you
want this year rather than next may well be more than a year's
interest.

A trivial example. You have your first kid but no camera to record all
those magic first moments. Get a camera on credit now or save up to
buy a camera in two year's time? The camera may be better and cheaper
then than now, but by then you've missed the first two years of your
kid growing.

 

OK I can see the point you're making but don't completely agree.
Using the camera as an example, why not live within your means and
only spend a fiver on a disposable camera every so often, or borrow
one from friends of family?

Living within ones means isn't a bad thing.

 

We do exactly this.

 

Likewise (with the exception of not paying off the credit card - we
always do it every month).

The only debt we have is the mortgage. And thats 50% offset by savings
(in an offset account naturally).

Phil.

 

Because you want as good a camera as you can manage and you want it
with you all the time.

I'm not saying it isn't. You said you "

 

Because you want as good a camera as you can manage and you want it
with you all the time.

I'm not saying it isn't. You said you " (pressed the wrong key!) don't
get the whole idea of paying more for something by borrowing". I've
just given you a perfectly good example why someone would think it
worth paying more for something by borrowing. I don't expect you to
follow suit.

 

*ding*

I imagine it's going to become very fashionable to spout off about
"old-fashioned attitudes to money" pretty soon.

Without credit, the world would pretty much stop going round; or at
least slow considerably. That's effectively what the credit crunch is
demonstrating right now.

 

Thing is if you *need* credit continuously rather than for a temporary
liquidity issue it suggests that expenditure is exceeding income.

 

Maybe it's been going too quickly and that pace really can't be
sustained much longer, even with an artificial turn of the reserve tap
people will still need to repay debts at some point, with money that
many of them don't have but continue to spend.

to borrow darsy's [gvfi]... 1929 the sequel, in cinemas from friday.