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    #32
    shoegirl
    Registered Users Posts: 2,018 ✭✭✭shoegirl


    Well actually I never had a single debt until I was 26. The only minute piece of credit i had was as a student I spent a summer studying as a graduate student in Germany and at the time in order to get a Eurocheque card (back in the good old days before global banking agreements) I had to have an overdraft. So I had to get my father to sign a guarantee to get a £100 overdraft (which I didn't need!)

    What knocked me was an extremely abusive relationship. I paid everything on time by direct debit but was thrust into serious trouble when my ex refused to pay rent etc, leaving me to pay the lot. Unfortunately having a roof over my head came before everything else so over a period of six months I was plunged into €3500 of arrears - far more than I could have afford to catch up with. So its taken me 18 months to play catch up, and in the process I lost my car, one of my credit cards, my current account and a lot of face. But sure I got sense in the end.

    I would warn anybody whose ina relationship with anybody who won't pay their way to get out - now! Doesn't matter how he/she tells you he/she loves you. Nobody who really cared would create problems for you. There's a lot of predators out there looking for somebody to "keep" them, and I know a lot of people, male and female, who've been caught in the net. (One of my best friends was stung for €25,000 after one relationship - far worse than me).


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    #33
    sunbeam
    Registered Users Posts: 1,813 ✭✭✭sunbeam


    Originally posted by shoegirl
    Well actually I never had a single debt until I was 26. The only minute piece of credit i had was as a student I spent a summer studying as a graduate student in Germany and at the time in order to get a Eurocheque card (back in the good old days before global banking agreements) I had to have an overdraft. So I had to get my father to sign a guarantee to get a £100 overdraft (which I didn't need!)

    Nor did I until I originally left fulltime study (I'm a mature student now-long story!) and needed an overdraft to pay rent etc while I waited a month for my salary to be paid. Didn't even have a credit card until I was 28.


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