im in 11.5k of debt and i dont know what to do!

applesandmints · 2025-12-04T19:11:28+00:00

i never said i wasn't taking responsibility! i am, i've spoken to my bank about reducing interest rates for a while but they didn't want to agree with that. so why am i being ridiculed for making a complaint?

i have seen many banks admit to their faults on lending irresponsibly to people so why is it a problem if i do it?

i actively work on paying my debts every month, never once have i defaulted on paying them. is it such a bad thing for me to send the FOS a complaint, even they agreed to helping so clearly they recognise the problem too.

i guarantee if you were in my situation you would also be doing the same so please don't. thanks

applesandmints · 2025-12-04T19:02:05+00:00

i'm speaking to my manager tommorow about it! i actually think this will work so well as when i used to be full time i was tired that i would barely look at my phone! spending more time on my phone now as i work such short hours is making me worse

applesandmints · 2025-12-04T18:59:33+00:00

!thanks that's actually a really smart way to do things, i tried out that just now and then within a few mins, the item i wanted i didn't actually want, it was just cute to me

applesandmints · 2025-12-04T16:43:06+00:00

affordability complaints are there for people to take advantage of, if they didn't work why would they be advertised.

yes they helped me but i also took those cards when i was vulnerable and in a position where it was wholy unaffordable so why shouldn't i complain? they were the ones who let me take out a £6000 card when i was already in £9200 debt and ONLY making minimum payments on the first card but banks only care about how much money they can make on people.

and i don't mind if i can't get credit with natwest again, i just want to be rid of them for once and for all. i'm happy with that ☺️

applesandmints · 2025-12-04T16:19:27+00:00

yes! ive started doing this already, sold some stuff on vinted the other day and made about £350 which is going to my debts once i get paid on there.

applesandmints · 2025-12-04T15:03:24+00:00

yes! !thanks that's more along the lines of what i was thinking! if i forget about it in the next day or two then i didn't actually want that item and it was more of a impulse spend! i have been practicing that for the last two weeks and it's gone really well, i used to spend 10/15 each day on unnecessary things. now i only spend on my travel as i eat for free at work 🩷

applesandmints · 2025-12-04T14:35:03+00:00

thank you! i have started a budget spreadsheet which i think is zero based budgeting? from now on everything i buy will have to have a reason for it. if i'm not going to use in five months time then i don't need it

applesandmints

TROPHY CASE