Vlad the Fox

Similar with me, never spoke to stepchange but did the credit card companies, defaulted and paid what I could afford each month, they would want an annual review to check if I could pay more but I’d usually swerve that by being too busy to speak on the phone and as long as I kept up with the DD they were happy. As that was now interest free and cheap I could pay off other stuff. Despite the default it didn’t seem to affect my credit rating too much as once things got better I managed to remortgage which then saved me even more money.

That’s a good shout, are you (op) claiming any benefits and if so are you getting all you’re entitled to and if not check your eligibility. It could make a big difference. Check on the .gov site for benefits calculator. (Can’t paste a link for some reason)

Are payment holidays an option on anything? I did this once which basically gave me a lump sum to pay off other things which then created breathing space to start paying more stuff off. There will be a slight increase on repayments where you took the holiday but it should be a lot less than the payments you’ve cleared so only do it if it will clear up other debt or significantly reduce the DD. It’s good that you’ve reached out as shame and fear only stops you getting help and while the problems get worse.

Never got the hype about slimani, thought he looked a donkey in all the YouTube videos people were posting and raving about and so it proved. I can remember a melt down once because we weren’t going for a player released by wolves i think, he went to a league one club

Yeah, don’t mind foxeshub, they’re not claiming to be ITK but just posting and referencing other people’s tweets. Up to us whether to believe it or not.

The other half got me one from Costco after we won the prem, as said, about £20. It’s good though.

Yep, think Stallone in the great escape and you’re about there.

Obvious, look at the size of his hands

There’s a new app just come out that translates your cats meows into English. It’s going to be massive.

As others have said this is hands down the best forum I’ve been on. Superbly ran. Also the non football content is something no other footy forum comes close to. I joined in feb 2011 after stalking for a few years. It’s the only social media I do. There has also been some great laughs over the years.

He probably **** that up and end up winning millions.

Ha ha yes, the years. notts twat.

Saka to have a Pearson v Spain moment.

Look at him. He can only run for ten minutes then he's fuched

Booooo

Obviously letting slip bedroom talk

Can’t be long before she’s flying over the table at him

dorris “Tory’s would have only got 50 seats if they didn’t wheel out boris” She’s obsessed.

I’m not editing it

That Nadine dorris is too bloody woke for my licking

Got a keg of Everards extra time ipa in the fridge. Though this has finished well before the final whistle

Moggy doesn’t look comfortable.

This is why I have always said football shirts should have collars so you can put a tie on and wear them to weddings and, er, elections.

**** you blythe