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Poll: Credit Or Debt?
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Author Credit Or Debt?
Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 12:41   View User's Profile U2U Member Reply With Quote
Was speaking to a Councillor that called here yesterday, asked him the percentage of people that are in personal debt in the UK, he didn't have a clue

Anyway, are you in Credit or Debt??

The debt you're in, what are your plans to sort it out?

Countries in the red....




quote:
Originally posted by James
Credit - I don't include my student loan.


quote:
Originally posted by James
Infact I have more than enough to pay my student loan back but choose not to.


quote:
Originally posted by Paul_J
hmm...

I went to click credit... I have no debts such as credit card or overdraft and have money in the bank.

But then remembered I still owe about 16k student loans (gained interest for a few years before i started paying it off)... so I'll say debt.


quote:
Originally posted by adiohead
credit

until i get my mortgage


quote:
Originally posted by Marc
Self imposed debt, got the money to pay off I'm just paying slowly


quote:
Originally posted by Tom
Debt but not for long now


quote:
Originally posted by pow
Credit,

A very very small portion of my car is on loan by my parents, I have the money to pay it off but I choose to pay it monthly by standing order to them


Sorry to those who replied, but just trying to get a poll that doesn't bugger up...
Nath
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Registered: 3rd Apr 02
Location: MK
User status: Offline
9th Apr 10 at 12:42   View User's Profile U2U Member Reply With Quote
repost
Paul_J
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Registered: 6th Jun 02
Location: London
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9th Apr 10 at 12:43   View User's Profile U2U Member Reply With Quote
hmm...

I went to click credit... I have no debts such as credit card or overdraft and have money in the bank.

But then remembered I still owe about 16k student loans (gained interest for a few years before i started paying it off)... so I'll say debt.
pow
Premium Member

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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
9th Apr 10 at 12:43   View Garage View User's Profile U2U Member Reply With Quote
As above
mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
9th Apr 10 at 12:43   View User's Profile U2U Member Reply With Quote
I will try again, got trashed when I posted

Debt.

About 6k's worth of lease payments on the car. I could give it back at any time now though and not cost me anything so not sure if that counts.
4k for my laser eye surgery. Hopefully have this paid off in September.

Think thats it.
Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
9th Apr 10 at 12:43   View User's Profile U2U Member Reply With Quote
credit.

nothing on credit cards but will have a mortgage soon so that's debt i guess.

for now though, nothing.
mattk
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Registered: 27th Feb 06
Location: St. Helens
User status: Offline
9th Apr 10 at 12:45   View User's Profile U2U Member Reply With Quote
I dont owe a penny to any one
AndyKent
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Registered: 3rd Sep 05
User status: Offline
9th Apr 10 at 12:48   View User's Profile U2U Member Reply With Quote
Credit.

Haven't got a mortgage yet but wouldn't see that as 'personal debt' anyway. The mortgage is secured on the value of the house so if you sold it you wouldn't owe anything = not debt.
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 12:49   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by mattk
I dont owe a penny to any one


You owe me a pint.
Nath
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Registered: 3rd Apr 02
Location: MK
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9th Apr 10 at 12:49   View User's Profile U2U Member Reply With Quote
Debt from my car loan. But in 9 months I'll be debt free, for the first time in years
pow
Premium Member

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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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9th Apr 10 at 12:50   View Garage View User's Profile U2U Member Reply With Quote
As long as your not in negative equity, I agree with Andy, I don't think I'm in debt as if I sold my car I could so very easily cover the cost of what I owe on it.
mwg
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Registered: 19th Feb 04
Location: South Lakes
User status: Offline
9th Apr 10 at 12:51   View User's Profile U2U Member Reply With Quote
If you haven't been in debt you've never lived

I only take on debt when I know I can comfortably afford the repayments. Would never get myself in a situation where I'm struggling to repay it etc.
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 12:53   View User's Profile U2U Member Reply With Quote
Scummers of this country annoy me, have a decent credit rating, and then get 10 credit cards, go on holidays, rent a nice place, get lifes lux's, and then declare themselves bankrupt. 3 years later, their credit rating is as good as new.
shaunmods
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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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9th Apr 10 at 12:55   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Whittie
Scummers of this country annoy me, have a decent credit rating, and then get 10 credit cards, go on holidays, rent a nice place, get lifes lux's, and then declare themselves bankrupt. 3 years later, their credit rating is as good as new.


Sounds like the scumbags across the road from me!

I'm in credit
mwg
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Registered: 19th Feb 04
Location: South Lakes
User status: Offline
9th Apr 10 at 12:56   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Whittie
Scummers of this country annoy me, have a decent credit rating, and then get 10 credit cards, go on holidays, rent a nice place, get lifes lux's, and then declare themselves bankrupt. 3 years later, their credit rating is as good as new.


I might give that a try. Sounds like a good life if you can get away with that easily
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 12:57   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by mwg
quote:
Originally posted by Whittie
Scummers of this country annoy me, have a decent credit rating, and then get 10 credit cards, go on holidays, rent a nice place, get lifes lux's, and then declare themselves bankrupt. 3 years later, their credit rating is as good as new.


I might give that a try. Sounds like a good life if you can get away with that easily


Beats working hard hey!
Nath
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Registered: 3rd Apr 02
Location: MK
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9th Apr 10 at 12:58   View User's Profile U2U Member Reply With Quote
The people who rented the house my sister now lives in did that.

They got shit loads of debt, then moved to Spain. They seemingly havent been caught as my sister keeps getting their mail still.
Ian W
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Registered: 8th Nov 03
Location: Wirral, Merseyside
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9th Apr 10 at 13:00   View User's Profile U2U Member Reply With Quote
Debt - Owe about 2.5k for my car loan and a few hundred on a credit card.
3CorsaMeal
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Registered: 11th Apr 02
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9th Apr 10 at 13:15   View User's Profile U2U Member Reply With Quote
i'm in credit, don't owe any money to anything, everything is paid for.

(although i don't have a house of my own)
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 13:16   View User's Profile U2U Member Reply With Quote
Poll was 5:5 untill a minute ago. How annoying
Butler
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Registered: 2nd Jun 05
Location: London
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9th Apr 10 at 13:19   View User's Profile U2U Member Reply With Quote
Student loan, over draft and credit card. Ive just saved enough to pay my overdraft and credit card off, its too easy not to though!
Rammer
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Registered: 2nd Mar 10
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9th Apr 10 at 13:23   View User's Profile U2U Member Reply With Quote
Im in credit

This time last year though i was 21k in debt
oceansoul
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Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
9th Apr 10 at 13:29   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by mattk
I dont owe a penny to any one
Pablo
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Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
9th Apr 10 at 13:42   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Nath
Debt from my car loan. But in 9 months I'll be debt free, for the first time in years
Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
9th Apr 10 at 13:45   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Rammer
Im in credit

This time last year though i was 21k in debt


How have you managed that one? Decent job after uni? Inheritance? Good effort though

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