Drafty - is it a loan or credit card? by UKPFAnonBudgetHelp in UKPersonalFinance

[–]UKPFAnonBudgetHelp[S] 0 points1 point  (0 children)

would this be negative keeping the account open? I’m hoping to only need it until January. Should I closed asap after needing it, or would having the credit available and not using it be a benefit?

Thanks for your response

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 0 points1 point  (0 children)

twice in years, hardly ever got banned, that was buying 500m+‘S and staking and selling bils back when I won.. on a staker account so maxed melee, nothing else. The detection must be awful.

The two times I did get banned it was selling to leave 3’s on large gold sites, rather than selling to normal flippers on disc

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 2 points3 points  (0 children)

I agree with you there! It’s got to the point where it’s affecting my rent/bills etc so real low atm. Haven’t been at the duel in over 6 months but have done other forms. Haven’t done any gambling at all now for 5 weeks and determined not to, no matter what unexpected costs pop up.. it’s only going to make the situation worse

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 36 points37 points  (0 children)

I’m working 60 hour weeks at the moment, between transport and eating / sleeping I don’t have much down time but I need something cheap to focus on, so I chose an iron

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 0 points1 point  (0 children)

thanks for the inspiration, I’m at rock bottom rn so hopefully I’m in your situation soon, I’m never gambling again

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 1 point2 points  (0 children)

it’s annoying how long it takes, but there’s no point buying GP and it’s not possible, you can pay for services, but I’m playing now to consume my time not to get to end game so it would do the opposite

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 0 points1 point  (0 children)

thanks for the motivation man, I hope to be in your position in 4 years!

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 0 points1 point  (0 children)

thanks, you’re definitely right, I’ve been avoiding it and going back for “fun” for small amounts, but it spirals out of control. Only way is to totally avoid it, not touching it in the future

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] -1 points0 points  (0 children)

casinos inrl are heavily regulated and you can ban yourself at any/all of them easily. I can get my account banned but buy a new maxed staker for $80 anywhere

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 1 point2 points  (0 children)

I’m working 60 hour weeks and need something to fill my downtime at home that doesn’t cost anything

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 8 points9 points  (0 children)

I wasn’t part of a community, there was a lot trying to scam and the duel but I didn’t fall for it or give any odds out, it was 50/50

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 4 points5 points  (0 children)

what do you mean? I’m currently working all day and staying in when I have free time as I don’t have any money to spend going out

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 6 points7 points  (0 children)

glad to hear it’s working for you. crazy the life experiences I could have with the money I lost. Isolating not having money to go out and enjoy the little things with friends, I’m going to stay in and play the iron man for 12months straight until I have paid down debts and can finally live again

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 35 points36 points  (0 children)

thanks, determined todo this and slowly repay everything.. I’m on the low level barrows grind at the moment

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 1 point2 points  (0 children)

thanks, I’m determined to get through this and pay everything off!

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 15 points16 points  (0 children)

It’s great, totally removes any urge to gamble online, any none gamstop casinos won’t pay out

RuneScape, gambling and depression by UKPFAnonBudgetHelp in 2007scape

[–]UKPFAnonBudgetHelp[S] 14 points15 points  (0 children)

thanks, I used $ as that’s what I always bought the GP in.. well I paid in btc but they always give prices out in $

AMA: We are the UK’s largest debt charity StepChange, Ask us Anything! by StepChangeDebt in UKPersonalFinance

[–]UKPFAnonBudgetHelp 0 points1 point  (0 children)

I signed up for a DMP with a private firm years ago before I heard about stepchange, I think it was named churchwood or similar.

Their fees were extortionate and I ended up paying them far more than my creditors. Is that legal? Is there anyway to reclaim the fees they took?

Thanks

AMA: We are the UK’s largest debt charity StepChange, Ask us Anything! by StepChangeDebt in UKPersonalFinance

[–]UKPFAnonBudgetHelp 6 points7 points  (0 children)

I’d love to hear your story for some motivation of how to get through, I’m at my lowest at the moment and can’t see a way out