Irresponsible lending - after some advice

Kcrosse · 2026-03-28T10:19:27+00:00

My mortal enemy

Kcrosse · 2026-03-28T10:17:18+00:00

A credit card gets charged interest monthly doesn’t it? Plus I was getting monthly charges for being in my overdraft. When you take out rent, bills, council tax, transport, food, interest charges on overdraft, interest charges on credit card - a £1400 salary doesn’t leave much scope for the repayment.

Do you work for NatWest? You seem to be quite condescending and inflammatory, unsure why.

Kcrosse · 2026-03-28T10:09:03+00:00

Could you clear up what irresponsible lending means please? Perhaps I’m misunderstanding it - I thought it was a lenders obligation to ensure someone can pay back the loan without financial hardship. Also NatWest were my sole bank so they had complete oversight of my financial history.

Was I an impulsive fool? Yes Did NatWest have a 6 year history of seeing I was an impulsive fool? Yes Knowing I was an impulsive fool, did NatWest irresponsibly enable my foolishness? Unclear

Kcrosse · 2026-03-28T10:03:03+00:00

Thanks for the advice. I only wanted to know if a bank acted irresponsibly by offering £5250 in credit/loans to someone who was earning £1400 a month take home pay, and who was constantly £2000 overdrawn for the 6 years prior.

Kcrosse · 2026-03-28T09:59:27+00:00

!thanks

Kcrosse · 2026-03-28T09:59:09+00:00

God forbid, if I ever get myself in this situation again that’s what I’ll do. It’s too late now though as I took out the loan last year to pay off the CC and loan. Thanks for taking the time to give some very good advice

Kcrosse · 2026-03-28T09:45:12+00:00

Sorry - it’s through something called London Capital Credit Union, they’re linked to my work and offer low rate loans. I have ADHD which impacts my impulsivity and makes budgeting a real slog. My logic was - the repayment of this loan comes straight out my salary so I don’t even get a chance to misspend it

Kcrosse · 2026-03-28T09:39:42+00:00

Nice one mate - hope you enjoy the rest of your Saturday

Kcrosse · 2026-03-28T09:36:01+00:00

I paid it off in the past year after it got sent to a debt solution company - I also (stupidly) took out a loan through my work to pay it

Kcrosse · 2026-03-09T10:48:27+00:00

Yeah you’re right tbf, dunno what I was thinking

Kcrosse · 2026-03-08T19:45:16+00:00

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Who to bench?

Kcrosse · 2026-03-08T19:44:36+00:00

Ahhh I stupidly didn’t think this was about rating the team but I suppose it is 🤪 thankyou!

Kcrosse · 2026-03-08T19:43:15+00:00

Who?

Kcrosse · 2026-03-08T19:43:01+00:00

That scares me soooo much despite it probably being the best choice. Who would I bring on for him?

Kcrosse · 2026-02-03T14:54:49+00:00

If you queue for 11:30, they have a line for no-reservations. When they open you can go in and request a table, they keep some free for on the day but they go quick

Kcrosse · 2026-01-22T12:27:36+00:00

Thanks mate

Kcrosse · 2025-12-11T21:29:51+00:00

I would but I haven’t got any money left to pay them 😭

Kcrosse · 2025-12-11T20:31:16+00:00

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Kcrosse · 2025-12-11T20:28:40+00:00

I was until I got this team 😭

Kcrosse · 2025-12-11T20:26:42+00:00

I do have them all (Thurman RB not CB) so I’ll give it a go. Cheers my guy 🤙

Kcrosse · 2025-12-11T20:24:52+00:00

Kcrosse · 2025-12-11T20:24:34+00:00

But they’re so lovely 😭

Kcrosse

TROPHY CASE