The Little Dog That Wouldn't Let Go
Viewing comments for Chapter 24 "They Want You Always in Their Debt."Subtitle: God Never Lets Go!
29 total reviews
Comment from seaglass
The loan companies and some banks are ruthless here too. As you can see in what happened in our housing market. Thank goodness I passed up a house I almost bought during that fiasco.
My husband and I gave our cars to our kids when we moved to the coast. We now use public transportation. It feels so good to not owe y mbody, mind, and soul to a loan, the oil/gas companies and to have to pay car ins. Couldn't have done that before retiring though.
reply by the author on 16-Apr-2014
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The loan companies and some banks are ruthless here too. As you can see in what happened in our housing market. Thank goodness I passed up a house I almost bought during that fiasco.
My husband and I gave our cars to our kids when we moved to the coast. We now use public transportation. It feels so good to not owe y mbody, mind, and soul to a loan, the oil/gas companies and to have to pay car ins. Couldn't have done that before retiring though.
Comment Written 16-Apr-2014
reply by the author on 16-Apr-2014
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Thanks again for your wonderful review. Seeing we are disabled we really need our vehicle to get around. Trouble is CTP (Compulsory Third party for personal injury protection insurance is getting really hard to pay due to all the young hoons and their many accidents and resulting injuries caused) I hope our current Government doe s not remove my carer Bonus I get each year as that is what pays the insurance or that part anyway. thanks again for a splendid review.
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Soft money programs are always threatened it seems. There's been huge cuts here fro the disabled due to the sequesters and the republican budget would take it away all together. I'm praying that we can keep it at bay as I have many friends who receive disability and would be homeless without it. Do you have a huge homeless problem there as we do here?
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Homeless are probably more in the actual Shopping area of the CBD of City of Penrith. I know our Capital City does have that large problem. We are around 26 miles West of the capital. We do own our home thanks to my father inlaw's kindness. I should probably write about that too. I have mentioned the Outlaws b8ut I may have already alluded to the complexity of my Father in law. Tight with money as a retired Financial Controller and accountant of a large company but very generous with family. We were stuck in a 15% fixed interest pa Loan and he got us out of that initially to pay him back at 8% then reducing to 6% but when I went with him into the Titles office to change the title from the original lender to our name, he said if we ever needed to leave work not to worry about the housing loan he was making us. Hence we retired in 1997 as I think I have said some years after he took over the loan and he has let us off the $AU26,000 remainder of the loan. Louise got a redundancy I just resigned due to health problems at the time. We had no idea we would both qualify for Disability Pensions..we thought Louise probably would as she had been on the pension from after school till she got the job at the Hospital where we met. She has Cerebral palsy. I think I said doctors reckoned I could have been on Disability all my life I am glad I was a taxpayer for 28 years.
Comment from Tomes Johnston
This is another interesting chapter to add to the collection that the author has created with this piece of writing. I remember the days when everybody seemed to be intent on offering you limitless credit. Things have changed.
reply by the author on 01-Nov-2013
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This is another interesting chapter to add to the collection that the author has created with this piece of writing. I remember the days when everybody seemed to be intent on offering you limitless credit. Things have changed.
Comment Written 01-Nov-2013
reply by the author on 01-Nov-2013
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Ah are they not opening the doors so much now I do know a few years ago they were trying to get folks to take Housing loans when they knew very well they could not afford them. Thanhks
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My pleasure.
Comment from country ranch writer
collectors of finance company's are sharks like jaws they will eat you up and spit you out in a moments notice,it's no skin off their nose
reply by the author on 11-Oct-2013
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collectors of finance company's are sharks like jaws they will eat you up and spit you out in a moments notice,it's no skin off their nose
Comment Written 11-Oct-2013
reply by the author on 11-Oct-2013
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Yep mate you got that right. I was so grateful for the Life Line Counsellor's help. I would not have known if I had tried to pay those extra o/s payments the company would have had that PLUS the full payout figure from the insurance company. Thanks for the review.
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it pays to have some one who knows the ropes of the guys
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yeah well I will always be grateful to Dennis Boreham whose name I still remember all these years later. Should try and find him on Face Book I guess if he is still alive. He got me help with my other debts and stuff too. Just became a fan I see we have Disability in common. We are both on Dis here at home. My wife has Cerebral palsy I am Diabetic and a whole lot of other stuff read it in my Medical Chapter (2) if you wanna get bored hehe. I am the one that doesn't look disabled hehe.
Comment from 22allgood
It was good to read a shorter chapter for a change. It was well written and interesting. How great it is to hear that your parents were there for you then. Looking forward to the next chapter.
reply by the author on 17-Sep-2013
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It was good to read a shorter chapter for a change. It was well written and interesting. How great it is to hear that your parents were there for you then. Looking forward to the next chapter.
Comment Written 17-Sep-2013
reply by the author on 17-Sep-2013
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Yeah actually the land lord I still know him he lives not too far from us in Explorer's way. He would have been happy for me to stay said I was his best tenant. Thing is I had no way of paying the rent as the car was about half the source of income. This was all going on about the time they were getting back together as well.
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yes God even looked after you then eh, getting you out of debt and stopping you from getting back into debt with the same company.
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yes God even looked after you then eh, getting you out of debt and stopping you from getting back into debt with the same company.
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yes God even looked after you then eh, getting you out of debt and stopping you from getting back into debt with the same company.
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Yeah I found the copy I made of that letter the other day from the LOMBARD FINANCE Company there you are heard of Natwest Finance that's is the same company.
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cool. I've got to stop now. Back again soon.
Comment from BethShelby
I know all about the scare tactics and other questionable means finance companies use to lure customers and the harrass them for late payments. I guess got a twenty-seven dollar fine on an department story account that was two days late. and I didn't ever owe that much to begin with.
reply by the author on 31-Aug-2013
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I know all about the scare tactics and other questionable means finance companies use to lure customers and the harrass them for late payments. I guess got a twenty-seven dollar fine on an department story account that was two days late. and I didn't ever owe that much to begin with.
Comment Written 31-Aug-2013
reply by the author on 31-Aug-2013
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Thanks Beth did you say the work chapter was too long? O cut it in half. Great review hope you bent their ear over the $27 overcharge hehe.
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I think it is fine for a book. For reviews on this site. it is a bit long. I got interrupted several times while reading it. The one about the fire is a good length for people to read and review. I wouldn't cut the work chapter now but maybe make future chapters not quite so long.
Beth
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Hi Beth I already cut it in half and there is another Work chapter after the Fire/Finance chapter
Comment from Norbanus
We've all got debt, that you can bet
and some of it is needed
but when you sign, you're sure to pine
for times before you bleeded
reply by the author on 31-Aug-2013
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We've all got debt, that you can bet
and some of it is needed
but when you sign, you're sure to pine
for times before you bleeded
Comment Written 31-Aug-2013
reply by the author on 31-Aug-2013
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Thanks mate good poem! Thanks for the great points too. Did you read this before incorporated it in the big book?
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I believe that was the first I'd seen of that segment.
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My apologies for the typos in my response.
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nah no worries I get lazy in mine sometimes so no worries not insinuaing anything. Did ITell you I am thinking of starting a FRA Group - FanStory Revewers Association? Seeing we are all helping each other and I appreciate all the do ray me real cash saved thanks to reviewing point and Ido still love reading all the stories and so on. A bonus both ways Night night off to bed here.
Comment from EMB
Yes. Most of these companies do not want you to pay anything off. And yep. Once they drag you through their mud, the tend to forget who you are as they approach you for your business again.
reply by the author on 01-Aug-2013
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Yes. Most of these companies do not want you to pay anything off. And yep. Once they drag you through their mud, the tend to forget who you are as they approach you for your business again.
Comment Written 01-Aug-2013
reply by the author on 01-Aug-2013
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Hi, all part of you just being a number huh. Same with Governments.
Comment from Rondeno
Very good. The world needs to know what these pirates get up to. Capitalism is lauded as "the" way to live - but all it's about (and I mean ALL) is chasing profits.
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reply by the author on 01-Aug-2013
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Very good. The world needs to know what these pirates get up to. Capitalism is lauded as "the" way to live - but all it's about (and I mean ALL) is chasing profits.
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Comment Written 01-Aug-2013
reply by the author on 01-Aug-2013
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And they all said "AMEN" for sure. Thanks for the review.
Comment from DanielEkine
This is a really beautiful and personal piece.
Great job.
My best part, "So now, moving on; car debt settled. Guess what I get in the mail from the finance company? Not only a letter thanking me for the 'excellent way in which I finalized my account' with them - ha ha.
THEY ALSO WANTED TO OFFER ME a FURTHER $15,000 Loan!"
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reply by the author on 01-Aug-2013
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This is a really beautiful and personal piece.
Great job.
My best part, "So now, moving on; car debt settled. Guess what I get in the mail from the finance company? Not only a letter thanking me for the 'excellent way in which I finalized my account' with them - ha ha.
THEY ALSO WANTED TO OFFER ME a FURTHER $15,000 Loan!"
This rating does not count towards story rating or author rank.
The highest and the lowest rating are not included in calculations.
Comment Written 01-Aug-2013
reply by the author on 01-Aug-2013
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Thanks I still had the mentioned letter until a little while ago. Sorry I didn't keep it to add to the piece. The company is still inexistence under another name...was tempted to say who they are but this was a long time ago now.
