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^couldnt agree more.

Good credit is key if u want to ever get some type of loan or mortgage. If you got the money just cough it up.

you can pretty much sack off any debt in the UK thats less than £400 as long as it's been passed off to an agency, don't answer the calls, if they doorstop you don't give any details/give vague answers that mean nothing...
They've already fucked up by paying your debt off for you (when they bought it off Wonga or whoever), you have no contract with them, as long as you never identify yourself to them it will end up not being viable to chase for so long and THEY WILL give up.

A Lannister always pay their debts.

yeah im just gonna start acting clueless saying i dont know what there on about and thats not my name bla bla bla

Electric_Head wrote:

Agent 47 wrote:its pretty disgraceful that they're goin after students practically living in poverty

horrible people with no sympathy

So you're speaking in the 3rd person then?

after my essentials and social stuff im living on not much and they want to take even more of me

its nor fair at all i dont think

Trying not to be overly serious here but designer clothes are hardly poverty.

yeah i get that

but like theres bare rich kids n shit at uni spending loads of there parents money having a sick time and buying cool shit

just cus i aint got money dont see what it should be any different. i still gotta spend

should be fair imo so that why we got loans

You're crazy

No, you get the loan so you can pay for rent, food and bills. If you want to life like a rich kid, get a fucking job

your missing the point

i dont want just food, bills n rent

i want cool shit lol

i aint slaving away at some dead end job anyway, there are others ways to get money

Agent 47 wrote:yeah i get that

but like theres bare rich kids n shit at uni spending loads of there parents money having a sick time and buying cool shit

just cus i aint got money dont see what it should be any different. i still gotta spend

should be fair imo so that why we got loans

Like EH, not trying to get overly picky on this, but "having a sick time and buying cool shit" is luxury. My parents still tell stories about being at Uni in the 60s and, despite not being considered at all "poor" for the time, a night out would mean two pints for my Dad and two halves for my Mum - the idea that in order to have a "fulfilling" time at uni you have to be able to spend £50 on a night out once or twice a week just shows how far from real poverty most people actually are in this country; so far that they don't even understand what poverty is, by the sounds of it. Instead of appreciating how fortunate we are to live in a society where the worst that'll happen to a non-earning 21 year old is that he'll have to say "No, I can't afford to go out raving tonight", people seem to have developed a somewhat startling sense of entitlement.

You're human right is to food, shelter and healthcare. Everything else, you've got to make personal choices about - for everything you choose, you forgo something else just like the rest of us - if you want to spent your student life stunting, you'd better have rich parents, decide to get into debt and pay it back when you're earning or get a job, like plenty of other students have managed for time immemorial.

Agent 47 wrote:your missing the point

i dont want just food, bills n rent

i want cool shit lol

i aint slaving away at some dead end job anyway, there are others ways to get money

Then stop complaining like a spoilt little brat, go out there and get some fucking money.

blenders n deep fryers cost money fam

I just don't think Agent even remotely understands poverty.

like i said in my first post lol i got the money to pay it

i just dont want to pay cus i dont reckon theyre gonna do shit

the living in poverty bit i just meant, like, for all they know i could be. i dont have a job, they dont know i got money

Agent 47 wrote:like i said in my first post lol i got the money to pay it

i just dont want to pay cus i dont reckon theyre gonna do shit

the living in poverty bit i just meant, like, for all they know i could be. i dont have a job, they dont know i got money

We've moved on from your original statement.
It's your current outlook that you have just expressed that is selfish and slightly troubling.

i dunno man its 2013

gotta get the shit you want anyway you can. if not your just wasting opportunities

i'll get a job when i got a degree

not about minimum wage. can make more than that selling weed to your mates lol

Agent 47 wrote:like i said in my first post lol i got the money to pay it

i just dont want to pay cus i dont reckon theyre gonna do shit

the living in poverty bit i just meant, like, for all they know i could be. i dont have a job, they dont know i got money

Well don't pay then. I don't know what advice you expected here tbh... if you're happy being a complete dick, be a complete dick. It's not as bad as insurance fraud, at least... credit ratings will at least leave you handicapped for life so the rest of us don't have to deal with your shit raising our interest rates.

Worst case you'll end up with a CCJ and won't be able to get a credit card with a reasonable APR or a mortgage until your in your 30s.

Enjoy Wonga Life. Your future wife will think you're amazing.

That does not mean using your student loan for clothes is very bright.
You're putting yourself in future debt to please your immediate needs.

Which is basically how current society works so I can't really fault you on it.

Agent 47 wrote:i dunno man its 2013

gotta get the shit you want anyway you can. if not your just wasting opportunities

i'll get a job when i got a degree

not about minimum wage. can make more than that selling weed to your mates lol

So sell weed and pay back the loan?

I really don't get what you're complaining about here. Selling weed counts as a job for me, especially if you haven't got any responsibilities. Sell weed, have money, stop thinking like a fucking child.

I dont see why you're getting angry at Wonga, it's societies fault