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Im a 40 year old guy who had over the last 20 years massed up a pretty big debt on various credit cards and loans to pay off the cards that while I would pay off the card I would not close them so just ran up even more debts. Almost 6 years ago I consolidated everything into one big loan for £18000. The interest rate was not all that bad but I had spread it over 6 years to make the payments manageable so the total to pay back would be quite large (about 30k+ in total). I got married and I had made my wife clear before hand about my situation with money and that I had learned the hard way (getting a loan to pay off a loan is dumb, hur) and she supported me and I took the time to learn a little about how money really works. I got a new job and we were working to be totally debt free by May this year, all stupid little debts were gone months ago and I wad almost paid for my big loan. Of course over the years when I had taken out loan I had also foolishly been getting payment protection, 3 loans and one credit card in total. Og course the banks here in the UK had been naughty and had been miss selling it to dumb-asses like me. They got in trouble and then had their asses handed to them and were told to pay it all back plus interest. I chanced my arm and made one phone call to my bank. They had insisted that I have the protection or they would not help me. So here I sit having learned the hard way to manage money and the bank phoned me last Friday to say that all 4 complaints had been upheld and they were now offering me £17560 as compensation for misselling me the insurance. (About $26,521 my American friends) Life is funny sometimes, just as I get my head above water for the first time in my life they come along and give me a life changing amount as a hand out. And when it happens it feels loving magic!
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Feb 24, 2013 20:29
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| # ¿ May 2, 2024 05:54 |
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