15-12-2023, 14:34
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#2431
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Just a Geek
Join Date: Jul 2015
Posts: 3,623
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Re: The energy crisis
what an absolute piss take
---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------
people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
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15-12-2023, 15:06
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#2432
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cf.mega poster
Join Date: Jun 2003
Location: Kairdiff-by-the-sea
Age: 68
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Re: The energy crisis
Many who have fallen into debt possibly spent their freebies from HMG on "other things" I suspect.
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15-12-2023, 15:24
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#2433
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Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,337
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Re: The energy crisis
Quote:
Originally Posted by Taf
Many who have fallen into debt possibly spent their freebies from HMG on "other things" I suspect.
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Not us l may say as our gas and electric are in good credit..
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“The only lesson you can learn from history is that it repeats itself”
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15-12-2023, 17:00
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#2434
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cf.mega pornstar
Join Date: Jan 2006
Posts: 18,813
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Re: The energy crisis
Quote:
Originally Posted by Jaymoss
what an absolute piss take
---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------
people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
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Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
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15-12-2023, 17:14
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#2435
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Do I care what you think
Join Date: Jul 2006
Location: Cardiff South Wales
Age: 73
Services: V6 ,Virgin L. Phone Broadband.sky go Netflix
Posts: 4,346
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Re: The energy crisis
Quote:
Originally Posted by TheDaddy
Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
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Tell OFGEM what you think
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No point in being pessimistic. You know it won`t work.
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15-12-2023, 17:24
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#2436
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Just a Geek
Join Date: Jul 2015
Posts: 3,623
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Re: The energy crisis
Quote:
Originally Posted by TheDaddy
Why are we paying their debts, no one pays mine and I resent picking up someone elses bill when I'm already paying extra as it is to cover the original follies
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Some people are foolish and waste money but some are legitimately struggling those deserve compassion not derision
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15-12-2023, 17:33
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#2437
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Still alive and fighting
Join Date: Jun 2007
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Re: The energy crisis
Quote:
Originally Posted by Itshim
Tell OFGEM what you think
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And they are suddenly going to listen as they have had plenty of time to consider things before they made this announcement.
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“The only lesson you can learn from history is that it repeats itself”
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15-12-2023, 18:35
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#2438
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cf.mega poster
Join Date: Jun 2003
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Re: The energy crisis
Quote:
Originally Posted by denphone
Not us l may say as our gas and electric are in good credit..
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We are the same. We build up credit during the warmer months to have it whittled away during the colder times.
Scottish Power recently tried to drop our DD by half, but I did the calculations, and saw we would have to pay more than we pay now to clear the debt that would cause.
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15-12-2023, 19:41
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#2439
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cf.mega poster
Join Date: Apr 2004
Location: Northampton
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Posts: 7,866
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Re: The energy crisis
Quote:
Originally Posted by Jaymoss
what an absolute piss take
---------- Post added at 14:34 ---------- Previous post was at 14:33 ----------
people in debt should either join the debt management scheme or get an IVA depending on how much debt they are in
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How does that help the businesses that are owed money? As it is, there are huge squeals at any attempts to get people to pay any debt off.
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15-12-2023, 19:58
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#2440
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Just a Geek
Join Date: Jul 2015
Posts: 3,623
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Re: The energy crisis
Quote:
Originally Posted by nomadking
How does that help the businesses that are owed money? As it is, there are huge squeals at any attempts to get people to pay any debt off.
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again it is not a one size fits all but I will tell you what happened to me a number of years and risk your judgement
I suffer from quite severe anxiety and depression and have done since I was a child. About 8 or 9 years ago I got into trouble I was going through a real bad time and got comfort buying nice things. I was on a low income but companies were throwing credit at me hand over fist a lot of it buy now pay later over about a year I accrued £16k debt and had no way of paying it off. I wanted to kill myself. I was fortunate enough to find out about IVAs and took one out. Paid 6K off over 5 years living on next to nothing and the rest was cleared.
Yes a number of firms lost money and yes I was to blame for the spending but they were responsible for facilitating that spending. They all did credit checks and all the agencies know employment status yet they still in some cases gave me 1000s of pounds credit.
I have no sympathy with energy firms they make billions and I have no sympathy for credit companies that do not loan responsibly.
Judge me how you will it matters not
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15-12-2023, 20:17
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#2441
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cf.mega pornstar
Join Date: Jan 2006
Posts: 18,813
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Re: The energy crisis
Quote:
Originally Posted by Jaymoss
Some people are foolish and waste money but some are legitimately struggling those deserve compassion not derision
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Err they don't owe me money, they owe it to the energy companies, what a scam, they can't pay them so they'll make everyone else pay them instead
---------- Post added at 20:17 ---------- Previous post was at 20:16 ----------
Quote:
Originally Posted by Jaymoss
again it is not a one size fits all but I will tell you what happened to me a number of years and risk your judgement
I suffer from quite severe anxiety and depression and have done since I was a child. About 8 or 9 years ago I got into trouble I was going through a real bad time and got comfort buying nice things. I was on a low income but companies were throwing credit at me hand over fist a lot of it buy now pay later over about a year I accrued £16k debt and had no way of paying it off. I wanted to kill myself. I was fortunate enough to find out about IVAs and took one out. Paid 6K off over 5 years living on next to nothing and the rest was cleared.
Yes a number of firms lost money and yes I was to blame for the spending but they were responsible for facilitating that spending. They all did credit checks and all the agencies know employment status yet they still in some cases gave me 1000s of pounds credit.
I have no sympathy with energy firms they make billions and I have no sympathy for credit companies that do not loan responsibly.
Judge me how you will it matters not
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That's shit, really is but hey if scams like this had been around all those credit companies other customers would've paid them back for you
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15-12-2023, 20:55
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#2442
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Just a Geek
Join Date: Jul 2015
Posts: 3,623
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Re: The energy crisis
Quote:
Originally Posted by TheDaddy
That's shit, really is but hey if scams like this had been around all those credit companies other customers would've paid them back for you
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How is it a scam? you saying I am dishonest? Still does not matter I knew you were going to judge me you seem that kinda guy
I think actually you mean the energy top up thing ok I understand now
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15-12-2023, 21:02
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#2443
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cf.mega poster
Join Date: Apr 2004
Location: Northampton
Services: Virgin Media TV&BB 350Mb,
V6 STB
Posts: 7,866
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Re: The energy crisis
Quote:
Originally Posted by Jaymoss
again it is not a one size fits all but I will tell you what happened to me a number of years and risk your judgement
I suffer from quite severe anxiety and depression and have done since I was a child. About 8 or 9 years ago I got into trouble I was going through a real bad time and got comfort buying nice things. I was on a low income but companies were throwing credit at me hand over fist a lot of it buy now pay later over about a year I accrued £16k debt and had no way of paying it off. I wanted to kill myself. I was fortunate enough to find out about IVAs and took one out. Paid 6K off over 5 years living on next to nothing and the rest was cleared.
Yes a number of firms lost money and yes I was to blame for the spending but they were responsible for facilitating that spending. They all did credit checks and all the agencies know employment status yet they still in some cases gave me 1000s of pounds credit.
I have no sympathy with energy firms they make billions and I have no sympathy for credit companies that do not loan responsibly.
Judge me how you will it matters not
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The energy SUPPLIERS are NOT making billions. They are OWED £3bn.
They are restricted in being able to raise prices and are not allowed to cut people off.
The lenders of money that doesn't get paid back, raise their interest rates for everybody else and/or reduce rates for savers. Same principle, others pay for non-payments.
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15-12-2023, 21:14
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#2444
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Just a Geek
Join Date: Jul 2015
Posts: 3,623
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Re: The energy crisis
Quote:
Originally Posted by nomadking
The energy SUPPLIERS are NOT making billions. They are OWED £3bn.
They are restricted in being able to raise prices and are not allowed to cut people off.
The lenders of money that doesn't get paid back, raise their interest rates for everybody else and/or reduce rates for savers. Same principle, others pay for non-payments.
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Well British Gas made almost a Billion first half of this year
This report seems to contradict you also somewhat
https://www.independent.co.uk/news/b...-b2388968.html
https://www.homebuilding.co.uk/news/...afford-heating
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Last edited by Jaymoss; 15-12-2023 at 21:18.
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15-12-2023, 21:25
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#2445
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cf.mega poster
Join Date: Apr 2004
Location: Northampton
Services: Virgin Media TV&BB 350Mb,
V6 STB
Posts: 7,866
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Re: The energy crisis
Quote:
Originally Posted by Jaymoss
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And that was to recover previous LOSSES, so they didn't add to the list of those going bust or ending their business.
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