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This is where you stick random tidbits of information about yourself.
Age 23, living in sin in Twickenham with Cheesy
Likes
Movies
Books
Writing
Theatre
Hugs
Kittens
Chess
Scrabble (mostly beating Cheesy's butt)
Buffy The Vampire Slayer
Dislikes
Vegetables
Arguments
Cleaning
Trashy TV
Pretensions
Public Transport
Pets
Rabbits-Bambi, Fern, Sooty, Pippa-all deceased
Dog-Sammy-deceased :(
Fish-CatFlap-recently (and finally!) deceased
Cat-Tiggy-still scratching
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Technically Rachel
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Saturday, April 22, 2006
So, who would've thought that a lifetime of conscientious debt-avoidance would backfire so spectacularly? Nationwide (typical bankers that they are) have turned down our mortgage application (after nearly three months of faffing around, the gits). Why? Because our credit rating is too low. This was an inital puzzlement to us both. We pay our bills on time, our only debts are our student loans and minimal overdrafts, we've never had a bad debt or an unpaid credit card in our lives. Which is apparently the problem. By making the sensible to decision to never have credit cards, and to only ever spend money that we actually have, we have been rewarded with a bad credit history - in that we don't have one. Cause apparently having no credit cards means that you must be really bad with credit. Never mind the fact that we're obviously just really good at managing our finances so we never need credit cards.
So, we're in a bit of a pickle - which probably only hiring some kind of financial advisor will get us out of. And the clock's ticking if we want to get the flat we picked.
Fuckwit credit agencies - reducing life to a fucking number. What happened to a society which discouraged people from getting in debt?
Sigh.
*Goes to find some chocolate*
1:29 pm
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