Frankly the OP's post is a case study in why the country is in the mess it is in. Irresponsible lending on both sides, no seeing the future or the bigger picture, a rush out of school to start earning the big dosh to spend spend spend... I could go on.
A prime example of why there should be no debt forgiveness in this country.
Thank you Paul, that was very helpful. Nobody here had any clue that was the case until you pointed it out.
May I assist you in clambering back onto your high horse?
I'm not on my high horse as you put it. But in my opinion it needs to be said that those that lived the high life reap what they have sown.
Those that lived and spent prudently and within their means during the 'boom' years should not have to pay the price of the recklessness and stupidity of others. The OP asked for opinions about interest rates on credit card debts of €40K, that is FORTY THOUSAND EURO!!!. I've given mine.
I'm not on my high horse as you put it. But in my opinion it needs to be said that those that lived the high life reap what they have sown.
Those that lived and spent prudently and within their means during the 'boom' years should not have to pay the price of the recklessness and stupidity of others. The OP asked for opinions about interest rates on credit card debts of €40K, that is FORTY THOUSAND EURO!!!. I've given mine.
I'm not on my high horse as you put it. But in my opinion it needs to be said that those that lived the high life reap what they have sown.
Those that lived and spent prudently and within their means during the 'boom' years should not have to pay the price of the recklessness and stupidity of others. The OP asked for opinions about interest rates on credit card debts of €40K, that is FORTY THOUSAND EURO!!!. I've given mine.
Couldn't agree more and more people should speak about it. Sorry OP as this does not answer any of you questions.
I, like many others did not spend or borrow recklessly - more the fool me now ???????
OP if you want to make real headway with cc debt, and your credit record is not that important to you, stop paying completely until the debts are written off , interest and penalties are no longer added, and then negotiate. You may well be able to get a partial write down.
tallpaul , you've got it spot on there , totally irresponsible and certainly no foresight on my part . I got it all wrong and will not be so reckless again.
Frankly the OP's post is a case study in why the country is in the mess it is in. Irresponsible lending on both sides, no seeing the future or the bigger picture, a rush out of school to start earning the big dosh to spend spend spend... I could go on.
.
As must as i respects your posts, i can't agree with this one... It seems to easy to spend money and let the others pick up the tab. What if the rest of the country do the same?
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