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Trapped in the Rat Race

Written by mstick from the blog Trapped in the Rat Race on 20 Apr 2009
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Its Saturday 07:45 AM, the date is the 9th……I get a “withheld Call” on my cellphone….I’m not worried it’s a Saturday for heaven sake

Caller: May I please speak to Mr. Makuwe*.
Me: {oh sh!t} You mean Ms Makuwe?
Caller: Sorry about that, yes can I speak to her.
Me: It’s her speaking.
Caller: Ms Makuwe my name is Phindile* and I’m phoning you from our Price & Pride offices.
Me: Yes… {Long pause} how can I help?
Caller: Ms Makuwe before we begin I would like to tell you this call is recorded.
Me: Sigh {by now I know it’s not a friendly call}
Caller: Ms Makuwe our record shows that your account is in arrears, when should we expect payment from you?
Me: Arrears-e {in my Black Like Me Accent}
Caller: Yes Ma’am arrears-e {in an ‘I don’t wanna give you service’ black attitude}.
Me: Err how much do I owe you???{As if ga ke tsebe}
Caller: Ms Makuwe your account is in arrears for 2 months therefore you need to pay R1500 to bring it up to date, when should we expect payment from you and how much would you be able to pay?
Me :{I pause before I answer I remember Phindile saying to me the call is recorded, I don’t want to get into trouble with the law}
Err payment will be done to you sometime after the 30th or 31st it depends when is Month End err… a payment of maybe +- R1300 will be paid it will also depend on the financial situation…..I might pay R60 {lol} it’s better than nothing right?

Yes guys lets talk we all been in this kind of situation at least I think...LOL

1. How do we get out of the Rat Race?
2. When is the time to cut that Credit Card with that pair of scissors?
3. When do we say no to that Credit Increase at Truworths?

I once read a book “Rich Dad, Poor Dad” by Robert and in that book there was one saying that I found so profound the saying is “ If you find that you’ve dug yourself in a hole, stop digging”. {This is so true}

Brothers and Sisters let’s help each other here….

P.S. For those who work at the Banks, clothing stores and furniture store etc you might loose clients after this article don’t blame me “blame it on the a..aa..aalcohol” {singing} ….lol…kidding….. Blame it on the economy recession……

451 Comments

mstick
20 Apr 2009 11:46

okay lets talk

mstick
20 Apr 2009 11:46

okay lets talk

Cande
20 Apr 2009 11:55

LOL

Cande
20 Apr 2009 11:55

LOL

carino
20 Apr 2009 11:58

kwa kwa kwa kwa 

carino
20 Apr 2009 11:58

kwa kwa kwa kwa 

cleve
20 Apr 2009 12:00

Matchstick when I was reading that conversation I thought of ID fraud or something. LOL

cleve
20 Apr 2009 12:00

Matchstick when I was reading that conversation I thought of ID fraud or something. LOL

Toxic
20 Apr 2009 12:03

eish man, can't stop laughin at you having a price and pride account!

So it turns out the conversation was recorded......by you!

Nna i buy McD's ka credit card so i am of no help!

mstick
20 Apr 2009 12:05

LMAO.......eish Cleve this guys....

Hello Cande and Cariri.....(smiling)

Toxic
20 Apr 2009 12:03

eish man, can't stop laughin at you having a price and pride account!

So it turns out the conversation was recorded......by you!

Nna i buy McD's ka credit card so i am of no help!

TheLady
20 Apr 2009 12:05

Me too cleve...especially when I saw Price nPride

mstick
20 Apr 2009 12:05

LMAO.......eish Cleve this guys....

Hello Cande and Cariri.....(smiling)

Katlegom
20 Apr 2009 12:08

Teehee! i cut my credit card last year. dont want that piece of plastic anymore, its nothing but trouble. Eish Truworths is always on my case too. but im only left with two instalments then I'll live happily there after.

My tip to everyone is to answer this private numbers and and make arrangements with our creditors, they do understand.
Avoiding this these calls increase the troubles

carino
20 Apr 2009 12:08

I just cant believe the Price n Pride bit.... I thought you were gon say it was one of those promotional calls when they tell you to come open an account..

Hayi, no.. STOP DIGGING, ngwana...

TheLady
20 Apr 2009 12:05

Me too cleve...especially when I saw Price nPride

Toxic
20 Apr 2009 12:10

LOL @ matchstick!

Katlegom
20 Apr 2009 12:08

Teehee! i cut my credit card last year. dont want that piece of plastic anymore, its nothing but trouble. Eish Truworths is always on my case too. but im only left with two instalments then I'll live happily there after.

My tip to everyone is to answer this private numbers and and make arrangements with our creditors, they do understand.
Avoiding this these calls increase the troubles

cleve
20 Apr 2009 12:10

Me too cleve...especially when I saw Price nPride

eish cabanga, Mstik what exactly were you buying from Price and Pride?

Anyways nna I don't have credit expect my credit card and overdraft but my money is never available to spend. I want to buy a nice car and am not buying it until my credit card is up to date.

carino
20 Apr 2009 12:08

I just cant believe the Price n Pride bit.... I thought you were gon say it was one of those promotional calls when they tell you to come open an account..

Hayi, no.. STOP DIGGING, ngwana...

Toxic
20 Apr 2009 12:11

LOL carino.

yeah man, stop diggin indeed!

Toxic
20 Apr 2009 12:10

LOL @ matchstick!

monchooza
20 Apr 2009 12:11

LOL mina i used to attend ko pretoria tech...could not finish my diploma bengshoda ngemali..so ngamaketha and left school.....and now these idiots from pretoria tech are calling me espanini nogal...mind you when i was a student there i used a different number....so i just tell them that Mr Monchooza is not in the office at the moment, and ask them to leave a msg....guess i am gonna have to pay them...sengkhathele ukubaleka manje

GoldenSta
20 Apr 2009 12:11

Also can't stop laughing at Price 'n Pride account.

I think you should work out how much you can afford to pay them, call them and say that's how much. They have to take it.

As for when to cut up the credit card, my answer would be now. Also pay them what you can afford till you finish and close the account.

cleve
20 Apr 2009 12:10

Me too cleve...especially when I saw Price nPride

eish cabanga, Mstik what exactly were you buying from Price and Pride?

Anyways nna I don't have credit expect my credit card and overdraft but my money is never available to spend. I want to buy a nice car and am not buying it until my credit card is up to date.

Toxic
20 Apr 2009 12:11

LOL carino.

yeah man, stop diggin indeed!

mstick
20 Apr 2009 12:12

I use to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL

monchooza
20 Apr 2009 12:11

LOL mina i used to attend ko pretoria tech...could not finish my diploma bengshoda ngemali..so ngamaketha and left school.....and now these idiots from pretoria tech are calling me espanini nogal...mind you when i was a student there i used a different number....so i just tell them that Mr Monchooza is not in the office at the moment, and ask them to leave a msg....guess i am gonna have to pay them...sengkhathele ukubaleka manje

GoldenSta
20 Apr 2009 12:11

Also can't stop laughing at Price 'n Pride account.

I think you should work out how much you can afford to pay them, call them and say that's how much. They have to take it.

As for when to cut up the credit card, my answer would be now. Also pay them what you can afford till you finish and close the account.

Best-Achiever
20 Apr 2009 12:12

kwa kwa kwa ... if  you missed two months payment and they expect you to pay R1500 to bring it up to  date, it means your monthly instalment is -R750 ..and you couldnt pay that ... how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

mstick
20 Apr 2009 12:12

I use to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL

Best-Achiever
20 Apr 2009 12:12

kwa kwa kwa ... if  you missed two months payment and they expect you to pay R1500 to bring it up to  date, it means your monthly instalment is -R750 ..and you couldnt pay that ... how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

Best-Achiever
20 Apr 2009 12:15

OHW Monchooza... you have to pay for diploma you dont even have?

Best-Achiever
20 Apr 2009 12:15

OHW Monchooza... you have to pay for diploma you dont even have?

carino
20 Apr 2009 12:17

lol @ Monchoo

maud
20 Apr 2009 12:18

@Best-Achiever - ungabaleki sana , just ry and pay them bit by bit

carino
20 Apr 2009 12:19

lol @ paying for the diploma you dont have...

I used to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL 

Are the speakers still intact, mstick???

Strolicious
20 Apr 2009 12:19

:{I pause before I answer I remember Phindile saying to me the call is recorded, I don’t want to get into trouble with the law}
Err payment will be done to you sometime after the 30th or 31st it depends when is Month End err… a payment of maybe +- R1300 will be paid it will also depend on the financial situation…..I might pay R60 {lol} it’s better than nothing right? ......Kwa kwa kwa

mstick
20 Apr 2009 12:20

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

carino
20 Apr 2009 12:17

lol @ Monchoo

Toxic
20 Apr 2009 12:23

LMAO Best!

how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

OHW Monchooza... you have to pay for diploma you dont even have?

Zubekho
20 Apr 2009 12:25

Kutheni ngathi nihlekisa ngomnye umntwana , nkanti whats  wrong with Price n Pride???????????

maud
20 Apr 2009 12:18

@Best-Achiever - ungabaleki sana , just ry and pay them bit by bit

Toxic
20 Apr 2009 12:26

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts!

mstick
20 Apr 2009 12:26

Are the speakers still intact, mstick??? 

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

carino
20 Apr 2009 12:19

lol @ paying for the diploma you dont have...

I used to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL 

Are the speakers still intact, mstick???

Strolicious
20 Apr 2009 12:19

:{I pause before I answer I remember Phindile saying to me the call is recorded, I don’t want to get into trouble with the law}
Err payment will be done to you sometime after the 30th or 31st it depends when is Month End err… a payment of maybe +- R1300 will be paid it will also depend on the financial situation…..I might pay R60 {lol} it’s better than nothing right? ......Kwa kwa kwa

mstick
20 Apr 2009 12:20

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

mstick
20 Apr 2009 12:33

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts! 

i'm not Toxi i want help on how to get out of this Trap

Toxic
20 Apr 2009 12:23

LMAO Best!

how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

OHW Monchooza... you have to pay for diploma you dont even have?

carino
20 Apr 2009 12:33

lol @ Tox

Zubekho
20 Apr 2009 12:25

Kutheni ngathi nihlekisa ngomnye umntwana , nkanti whats  wrong with Price n Pride???????????

awelani
20 Apr 2009 12:35

LMAO,, kwakwakwakwa @ matchstik,, price 'n pride??,, lmao

LOL @ monchoo..

Toxic
20 Apr 2009 12:26

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts!

Best-Achiever
20 Apr 2009 12:36

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

kwa kwa kwa kwa  ... no wonder i hate credits(maybe i can all do the life-time guarantee one's if they are any)... you have to smile and pay for something you have to hustle to hear the bits form it.... it is all khuf-khuuf as if it i sin water ....lol lol ..(joke mstick)

mstick
20 Apr 2009 12:26

Are the speakers still intact, mstick??? 

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

mstick
20 Apr 2009 12:42

Matchstick when I was reading that conversation 

LOL @ Matchstick i didnt see this cleve....funny nickname

awelani
20 Apr 2009 12:42

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>>  Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit....Um tempted to accept even thou um still owing them quite a lot..as for my credit card,,i dont even look @ my bill anymo, i just now its a long way to go b4 its paid off,...so cant really give advice since I also need it.

mstick
20 Apr 2009 12:45

hello Awe!

mstick
20 Apr 2009 12:33

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts! 

i'm not Toxi i want help on how to get out of this Trap

carino
20 Apr 2009 12:33

lol @ Tox

awelani
20 Apr 2009 12:35

LMAO,, kwakwakwakwa @ matchstik,, price 'n pride??,, lmao

LOL @ monchoo..

LM
20 Apr 2009 12:49

hi hi hi hi hi hi @ price n pride!!!! Nna I find it hard to believe that there are still peeps buying appliance and entertainment units ko abo Joshua Doore...I mean those things cost an arm and a leg there, and you only have a limited choice!

Getting out of a debt hole: no advice from me! you know what to do! you know what you did to get there:)

Best-Achiever
20 Apr 2009 12:36

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

kwa kwa kwa kwa  ... no wonder i hate credits(maybe i can all do the life-time guarantee one's if they are any)... you have to smile and pay for something you have to hustle to hear the bits form it.... it is all khuf-khuuf as if it i sin water ....lol lol ..(joke mstick)

mstick
20 Apr 2009 12:50

@Awe nna i rejected the credit limit offered to me by Truworths i still owe them a bit mara i'm planning to pay it off and close it no more......ke re no more....i rather embrace my human being by walking naked than paying double the amount for clothes

mstick
20 Apr 2009 12:42

Matchstick when I was reading that conversation 

LOL @ Matchstick i didnt see this cleve....funny nickname

awelani
20 Apr 2009 12:42

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>>  Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit....Um tempted to accept even thou um still owing them quite a lot..as for my credit card,,i dont even look @ my bill anymo, i just now its a long way to go b4 its paid off,...so cant really give advice since I also need it.

mstick
20 Apr 2009 12:45

hello Awe!

LM
20 Apr 2009 12:55

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit..kwa kwa kwa kwa kwa kwa!

When do we say no to that Credit Increase at Truworths? Always! I receive their voucher every second month, to get R150 off when I buy for R350 and it goes straight to the bin! I'm waiting for their free voucher!

LM
20 Apr 2009 12:49

hi hi hi hi hi hi @ price n pride!!!! Nna I find it hard to believe that there are still peeps buying appliance and entertainment units ko abo Joshua Doore...I mean those things cost an arm and a leg there, and you only have a limited choice!

Getting out of a debt hole: no advice from me! you know what to do! you know what you did to get there:)

mstick
20 Apr 2009 12:50

@Awe nna i rejected the credit limit offered to me by Truworths i still owe them a bit mara i'm planning to pay it off and close it no more......ke re no more....i rather embrace my human being by walking naked than paying double the amount for clothes

dali
20 Apr 2009 13:02

i had a josh door acc but m finished now. i had no choice but to pay dem and get dem off ma back. they even call even if u r not having arrears nxa! m neva doint it again!

LM
20 Apr 2009 12:55

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit..kwa kwa kwa kwa kwa kwa!

When do we say no to that Credit Increase at Truworths? Always! I receive their voucher every second month, to get R150 off when I buy for R350 and it goes straight to the bin! I'm waiting for their free voucher!

mstick
20 Apr 2009 11:46

okay lets talk

TerryN
20 Apr 2009 13:16

1. How do we get out of the Rat Race? 
***sigh****

2. When is the time to cut that Credit Card with that pair of scissors? 
I have no idea...i want to but i have to think careful just incase i need it in emergencies. (eg: Hiring car incase mine breaks down and all other emergencies) 

3. When do we say no to that Credit Increase at Truworths? 
I said HELL NO! Thnxs but NO Thnxs!! More trouble than it worth.

Anyway im just waiting for my bonus in May then i'll be a free woman....sheeew!

dali
20 Apr 2009 13:02

i had a josh door acc but m finished now. i had no choice but to pay dem and get dem off ma back. they even call even if u r not having arrears nxa! m neva doint it again!

carino
20 Apr 2009 13:32

mstick... i just remembered an old article similar to this... Some responses there will answer your questions and are likely to change your life... 

Here's the link:
www.tvsa.co.za/default.asp?blogname=MoneyIssues&ArticleID=7045

KeleFabulous
20 Apr 2009 13:35

i've been bad with clothing acc's since i started working. at one point (my first job where i was getting about 2.8k monthly) there came pay day and with paying all my clothing acc's and cellphone i was left with 300. TRUE. needless to say i diddn't pay them. have always been in arrears with paying. i'm just so very bad. mara le bona these idiots they keep giving me credit. first acc was foschin (from my tertiary days - and mind you this was the only acc i EVER applied for, the rest were just posted to me without my asking) then came truworths then jet then woolies. 

at the moment i'm in arrears with all of these stores and am currently paying htem off. they stay off my back so long as a paymetn comes in. mara next month i am cutting them off. for good this time as i now pay rent and car instalment not to mention creche etc etc etc. my sister says i've finally grown up, at 27 nogal! that is the reason why i don't have ennertainment in my place. that can wait a coupla months cos then i can buy with my OWN money. and i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. once you go beyond that it becomes almost impossible to get back on track. plus the bank can easily repo your car/house once you've reached this stage. if you feel the instalments are too high you can ask the bank (some do this) to extend your contract. this they will only do IF you are up to date. and with 1 and maybe 2 months' arrears some banks can reschedule your arrears over the remainder of your contract period

mstick
20 Apr 2009 13:49

tnx cariri will check it it out

mstick
20 Apr 2009 13:50

and i'm tired of answering my work phone and saying Kele's on leave till next month....eish! 

@Kele..........LMAO....dead

TerryN
20 Apr 2009 13:16

1. How do we get out of the Rat Race? 
***sigh****

2. When is the time to cut that Credit Card with that pair of scissors? 
I have no idea...i want to but i have to think careful just incase i need it in emergencies. (eg: Hiring car incase mine breaks down and all other emergencies) 

3. When do we say no to that Credit Increase at Truworths? 
I said HELL NO! Thnxs but NO Thnxs!! More trouble than it worth.

Anyway im just waiting for my bonus in May then i'll be a free woman....sheeew!

Cande
20 Apr 2009 11:55

LOL

carino
20 Apr 2009 11:58

kwa kwa kwa kwa 

awelani
20 Apr 2009 13:56

and i'm tired of answering my work phone and saying Kele's on leave till next month>> LMAO,,

carino
20 Apr 2009 13:32

mstick... i just remembered an old article similar to this... Some responses there will answer your questions and are likely to change your life... 

Here's the link:
www.tvsa.co.za/default.asp?blogname=MoneyIssues&ArticleID=7045

KeleFabulous
20 Apr 2009 13:35

i've been bad with clothing acc's since i started working. at one point (my first job where i was getting about 2.8k monthly) there came pay day and with paying all my clothing acc's and cellphone i was left with 300. TRUE. needless to say i diddn't pay them. have always been in arrears with paying. i'm just so very bad. mara le bona these idiots they keep giving me credit. first acc was foschin (from my tertiary days - and mind you this was the only acc i EVER applied for, the rest were just posted to me without my asking) then came truworths then jet then woolies. 

at the moment i'm in arrears with all of these stores and am currently paying htem off. they stay off my back so long as a paymetn comes in. mara next month i am cutting them off. for good this time as i now pay rent and car instalment not to mention creche etc etc etc. my sister says i've finally grown up, at 27 nogal! that is the reason why i don't have ennertainment in my place. that can wait a coupla months cos then i can buy with my OWN money. and i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. once you go beyond that it becomes almost impossible to get back on track. plus the bank can easily repo your car/house once you've reached this stage. if you feel the instalments are too high you can ask the bank (some do this) to extend your contract. this they will only do IF you are up to date. and with 1 and maybe 2 months' arrears some banks can reschedule your arrears over the remainder of your contract period

cleve
20 Apr 2009 12:00

Matchstick when I was reading that conversation I thought of ID fraud or something. LOL

Best-Achiever
20 Apr 2009 14:03

i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

kw kwa kwa kwa 

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times
Tjo Kele, i wud never have guts to miss instalments of those things, no matter what .....
one guy i know missed 3 months instalments for his G5 and they took it back in March.

mstick
20 Apr 2009 13:49

tnx cariri will check it it out

Toxic
20 Apr 2009 12:03

eish man, can't stop laughin at you having a price and pride account!

So it turns out the conversation was recorded......by you!

Nna i buy McD's ka credit card so i am of no help!

mstick
20 Apr 2009 14:10

eish Dali me and you together no more Price & Pride....lol

mstick
20 Apr 2009 12:05

LMAO.......eish Cleve this guys....

Hello Cande and Cariri.....(smiling)

mstick
20 Apr 2009 13:50

and i'm tired of answering my work phone and saying Kele's on leave till next month....eish! 

@Kele..........LMAO....dead

TheLady
20 Apr 2009 14:11

"his G5 and they took it back in March."

Ouch..that's bad. I've only ever missed my car instalment once (there were lots of holidays during that time and they decided not to take their money so I used it)...they have my mom's landline-she made my life hell for that month...never again.
Now my woolies account is something else...Lawd help me.

mstick
20 Apr 2009 14:13

Cariri i'm busy reading that article and i must say the advises there will come in handy.....very nice and thoughtfull advices

TheLady
20 Apr 2009 12:05

Me too cleve...especially when I saw Price nPride

monchooza
20 Apr 2009 14:16

eish why do they call the office when they have your cell phone number??? bayadima maan nxxx

mstick
20 Apr 2009 14:17

Gawd i forgot i still owe my TV licence.....eish

awelani
20 Apr 2009 13:56

and i'm tired of answering my work phone and saying Kele's on leave till next month>> LMAO,,

Katlegom
20 Apr 2009 12:08

Teehee! i cut my credit card last year. dont want that piece of plastic anymore, its nothing but trouble. Eish Truworths is always on my case too. but im only left with two instalments then I'll live happily there after.

My tip to everyone is to answer this private numbers and and make arrangements with our creditors, they do understand.
Avoiding this these calls increase the troubles

carino
20 Apr 2009 12:08

I just cant believe the Price n Pride bit.... I thought you were gon say it was one of those promotional calls when they tell you to come open an account..

Hayi, no.. STOP DIGGING, ngwana...

Toxic
20 Apr 2009 12:10

LOL @ matchstick!

dali
20 Apr 2009 14:21

LMAO @ kele... i must admit @ first i was lazy to read ure reply, now dat i read it it's worth it............ lmao

cleve
20 Apr 2009 12:10

Me too cleve...especially when I saw Price nPride

eish cabanga, Mstik what exactly were you buying from Price and Pride?

Anyways nna I don't have credit expect my credit card and overdraft but my money is never available to spend. I want to buy a nice car and am not buying it until my credit card is up to date.

Toxic
20 Apr 2009 12:11

LOL carino.

yeah man, stop diggin indeed!

monchooza
20 Apr 2009 12:11

LOL mina i used to attend ko pretoria tech...could not finish my diploma bengshoda ngemali..so ngamaketha and left school.....and now these idiots from pretoria tech are calling me espanini nogal...mind you when i was a student there i used a different number....so i just tell them that Mr Monchooza is not in the office at the moment, and ask them to leave a msg....guess i am gonna have to pay them...sengkhathele ukubaleka manje

Best-Achiever
20 Apr 2009 14:03

i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

kw kwa kwa kwa 

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times
Tjo Kele, i wud never have guts to miss instalments of those things, no matter what .....
one guy i know missed 3 months instalments for his G5 and they took it back in March.

cleve
20 Apr 2009 14:22


Matchstick when I was reading that conversation

LOL @ Matchstick i didnt see this cleve....funny nickname 

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you.

GoldenSta
20 Apr 2009 12:11

Also can't stop laughing at Price 'n Pride account.

I think you should work out how much you can afford to pay them, call them and say that's how much. They have to take it.

As for when to cut up the credit card, my answer would be now. Also pay them what you can afford till you finish and close the account.

mstick
20 Apr 2009 12:12

I use to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL

mstick
20 Apr 2009 14:10

eish Dali me and you together no more Price & Pride....lol

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

TheLady
20 Apr 2009 14:11

"his G5 and they took it back in March."

Ouch..that's bad. I've only ever missed my car instalment once (there were lots of holidays during that time and they decided not to take their money so I used it)...they have my mom's landline-she made my life hell for that month...never again.
Now my woolies account is something else...Lawd help me.

Best-Achiever
20 Apr 2009 12:12

kwa kwa kwa ... if  you missed two months payment and they expect you to pay R1500 to bring it up to  date, it means your monthly instalment is -R750 ..and you couldnt pay that ... how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

mathata
20 Apr 2009 14:32

LOL.

mstick
20 Apr 2009 14:13

Cariri i'm busy reading that article and i must say the advises there will come in handy.....very nice and thoughtfull advices

mstick
20 Apr 2009 14:36

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you

LOL i dont mind cleve you can call me that....

monchooza
20 Apr 2009 14:16

eish why do they call the office when they have your cell phone number??? bayadima maan nxxx

Best-Achiever
20 Apr 2009 12:15

OHW Monchooza... you have to pay for diploma you dont even have?

mstick
20 Apr 2009 14:17

Gawd i forgot i still owe my TV licence.....eish

mstick
20 Apr 2009 14:39

@Cande for skipping two already a letter is send to your HR Dept yerrrrrr ga ba teleli ba kena le kolobe ka kerekeng.....nxxxx

dali
20 Apr 2009 14:21

LMAO @ kele... i must admit @ first i was lazy to read ure reply, now dat i read it it's worth it............ lmao

carino
20 Apr 2009 12:17

lol @ Monchoo

cleve
20 Apr 2009 14:22


Matchstick when I was reading that conversation

LOL @ Matchstick i didnt see this cleve....funny nickname 

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you.

mstick
20 Apr 2009 14:43

sorry i meant to write 'for skipping two months'

maud
20 Apr 2009 12:18

@Best-Achiever - ungabaleki sana , just ry and pay them bit by bit

Cande
20 Apr 2009 14:44

SIES, and to think that there is people 6 years older than me who havent started paying them and people who earn way more than me and only pay them 300 a month or people who owe them more than me and havent started paying them?? Instead of running after those people, they chase innocent souls like mine. NXA

carino
20 Apr 2009 12:19

lol @ paying for the diploma you dont have...

I used to have an account with them.......eish you know desperate times.... i so wanted that music system and didnt have the cash for it Tox....LOL 

Are the speakers still intact, mstick???

Strolicious
20 Apr 2009 12:19

:{I pause before I answer I remember Phindile saying to me the call is recorded, I don’t want to get into trouble with the law}
Err payment will be done to you sometime after the 30th or 31st it depends when is Month End err… a payment of maybe +- R1300 will be paid it will also depend on the financial situation…..I might pay R60 {lol} it’s better than nothing right? ......Kwa kwa kwa

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

mstick
20 Apr 2009 12:20

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

mathata
20 Apr 2009 14:32

LOL.

mstick
20 Apr 2009 14:36

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you

LOL i dont mind cleve you can call me that....

Toxic
20 Apr 2009 12:23

LMAO Best!

how do they expect you to get double the amount you couldnt have for 2 months ....

politely aske them to come take their bed....lol

OHW Monchooza... you have to pay for diploma you dont even have?

Zubekho
20 Apr 2009 12:25

Kutheni ngathi nihlekisa ngomnye umntwana , nkanti whats  wrong with Price n Pride???????????

felfel
20 Apr 2009 15:08

shucks i forgot about NSFAS, i owe R9000 for 2 years tanx to the 40% rebate they gave me, funny thing is their offices in Cape Town are a walking distance from my home , if only they knew, they'll find me one day............ 

Toxic
20 Apr 2009 12:26

@BA take the Bed back and sleep on what????LOL likely i bought my bed from House N Home and i've paid them all their money.....their interest are not as bad as the Price n Pride guys......

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts!

mstick
20 Apr 2009 12:26

Are the speakers still intact, mstick??? 

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

mstick
20 Apr 2009 14:39

@Cande for skipping two already a letter is send to your HR Dept yerrrrrr ga ba teleli ba kena le kolobe ka kerekeng.....nxxxx

Cande
20 Apr 2009 15:13

Felfel that 9000 has gone up to 11000, they add interests on the amount you owe every month... I went from 10400 to 14000 in 3 years.

TheLady
20 Apr 2009 15:15

Cande you are not so innocent-you owe them mos.

Edgars send you a letter even if you owe them R2.50!!! I couldn't believe it. I suppose it's the principle. They got a friendof mine blacklisted for R30 she owed them.She hates Edgars with a passion.

mstick I owe tvlic about R900 too...hey instead of ukwehla ziyanyuka izikweleti!

mstick
20 Apr 2009 14:43

sorry i meant to write 'for skipping two months'

Cande
20 Apr 2009 14:44

SIES, and to think that there is people 6 years older than me who havent started paying them and people who earn way more than me and only pay them 300 a month or people who owe them more than me and havent started paying them?? Instead of running after those people, they chase innocent souls like mine. NXA

Katlegom
20 Apr 2009 15:17

Gawd i forgot i still owe my TV licence.....eish

mstick, i dont pay that rubbish

mstick
20 Apr 2009 12:33

kwa kwa kwa kwa!!! eish wena, u're still promoting accounts! 

i'm not Toxi i want help on how to get out of this Trap

felfel
20 Apr 2009 15:17

lol Cande it was R7000 ( from 2003) now ihamba kwabo R9000, they add around R55 every month, bayasibulala shu.

carino
20 Apr 2009 12:33

lol @ Tox

TheLady
20 Apr 2009 15:19

Katlegom-say that when you are blacklisted

awelani
20 Apr 2009 12:35

LMAO,, kwakwakwakwa @ matchstik,, price 'n pride??,, lmao

LOL @ monchoo..

Katlegom
20 Apr 2009 15:23

Kele & Best  Achiever, i agree dont take chances with bond and car instalments.
According to Westbank figures 2000 cars are repossesed every month.


i've got a friend who works at NCR, she tell me these people who earn big bucks are the ones who apply for debt couscelling most.

its hectic out there guys!

felfel
20 Apr 2009 15:08

shucks i forgot about NSFAS, i owe R9000 for 2 years tanx to the 40% rebate they gave me, funny thing is their offices in Cape Town are a walking distance from my home , if only they knew, they'll find me one day............ 

Best-Achiever
20 Apr 2009 12:36

@Cariri the speakers are still fine the only thing that was giving me a problem was my beatiful/different subwoofer to think of it i only bought there cause of the subwoofer 

kwa kwa kwa kwa  ... no wonder i hate credits(maybe i can all do the life-time guarantee one's if they are any)... you have to smile and pay for something you have to hustle to hear the bits form it.... it is all khuf-khuuf as if it i sin water ....lol lol ..(joke mstick)

felfel
20 Apr 2009 15:27

I don't have a TV licence, got 2 tvs in ma house, they were donated to me, i'll buy a licence when i buy my plasma.

I opened a Mr Price Home account for fun, and never took anything for over a year, next thing they keep sending me sms statements of wat i owe them, started with R10, next thing i check months later its R120  that they say i owe. Ubani, mina???? ngekhe, i sent emails to them enquiring wat that money was for, I copied everyone on that email, from Marketing manager, Communications, Head Office wat wat, hell i would have included the tea lady herself if i knew her email add. No reply, resent the mail a couple times, then Mr manager calls me and told me its for account protection, i told him to erase that balance otherwise i'll cancel that account, guess wat 5 months later i still get R0,00 balance sms from them. Tata ma'chance!!!!!!!!!

Katlegom
20 Apr 2009 15:29

TheLady, yah! most people are on ITC because of Edgars.

Toxic
20 Apr 2009 15:30

I owe:

UNISA
That bloodbank konje what do they call them...eish forgot their name
Woolies (the food)
Credit card

I know some loan is going to catch up with me. I once took out a loan years back for some lousy holiday i went to and that bank went bankrupt adn was taken in by some other big bank. I heard from someone that she got a call from them demanding money she loaned from them years ago. I'm waiting for that call.

monchooza
20 Apr 2009 15:30

kanti izikoloto azisaboli la emzansi  nah???

mstick
20 Apr 2009 12:42

Matchstick when I was reading that conversation 

LOL @ Matchstick i didnt see this cleve....funny nickname

Cande
20 Apr 2009 15:13

Felfel that 9000 has gone up to 11000, they add interests on the amount you owe every month... I went from 10400 to 14000 in 3 years.

awelani
20 Apr 2009 12:42

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>>  Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit....Um tempted to accept even thou um still owing them quite a lot..as for my credit card,,i dont even look @ my bill anymo, i just now its a long way to go b4 its paid off,...so cant really give advice since I also need it.

Toxic
20 Apr 2009 15:31

What i like about these credit controllers is they ask to speak to you using a name you dont usually use. So nna i ALWAYS say, i dont know who that person is. Or if they ask to speak to MRS Me, i tell them i dont know who that person is.

Lancet Laboratory is the name i was looking for......they'll take you to ITC for 34.30c!

Best-Achiever
20 Apr 2009 15:33

i forgot to pay my TVlic last  year Dec but those irritating sms drove me to the nearest post office by the end of Jan

mstick
20 Apr 2009 12:45

hello Awe!

Cande
20 Apr 2009 15:35

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless

TheLady
20 Apr 2009 15:15

Cande you are not so innocent-you owe them mos.

Edgars send you a letter even if you owe them R2.50!!! I couldn't believe it. I suppose it's the principle. They got a friendof mine blacklisted for R30 she owed them.She hates Edgars with a passion.

mstick I owe tvlic about R900 too...hey instead of ukwehla ziyanyuka izikweleti!

felfel
20 Apr 2009 15:41

Where do u check Cande?

Katlegom
20 Apr 2009 15:17

Gawd i forgot i still owe my TV licence.....eish

mstick, i dont pay that rubbish

felfel
20 Apr 2009 15:17

lol Cande it was R7000 ( from 2003) now ihamba kwabo R9000, they add around R55 every month, bayasibulala shu.

Best-Achiever
20 Apr 2009 15:43

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something ... i cant believe i became so restless i had to part with loads of cash for traffic fines ... just because i was afraid i might get caught on my way home ...

Lord know how desparately i wanna pay bond&car, every extra hundred rand i have towards the end of the money, i put it there.

LM
20 Apr 2009 12:49

hi hi hi hi hi hi @ price n pride!!!! Nna I find it hard to believe that there are still peeps buying appliance and entertainment units ko abo Joshua Doore...I mean those things cost an arm and a leg there, and you only have a limited choice!

Getting out of a debt hole: no advice from me! you know what to do! you know what you did to get there:)

TheLady
20 Apr 2009 15:19

Katlegom-say that when you are blacklisted

Katlegom
20 Apr 2009 15:43

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless 

a friend works at the bank i asked him for a printout of my creditors and UNISA Is not on there, but almost every month i get a call from Blakes & Associates calling on behalf of UNISA, i owe them R2500. Eish!

mstick
20 Apr 2009 12:50

@Awe nna i rejected the credit limit offered to me by Truworths i still owe them a bit mara i'm planning to pay it off and close it no more......ke re no more....i rather embrace my human being by walking naked than paying double the amount for clothes

Katlegom
20 Apr 2009 15:23

Kele & Best  Achiever, i agree dont take chances with bond and car instalments.
According to Westbank figures 2000 cars are repossesed every month.


i've got a friend who works at NCR, she tell me these people who earn big bucks are the ones who apply for debt couscelling most.

its hectic out there guys!

felfel
20 Apr 2009 15:47

Katlegom if Unisa is not there then Blakes & Associates should be there, cos they the ones who are collecting on behalf of Unisa, Unisa got tired of chasing u and they let uBlakes do it, lol

Toxic
20 Apr 2009 15:52

yes cande how do you check?

felfel
20 Apr 2009 15:27

I don't have a TV licence, got 2 tvs in ma house, they were donated to me, i'll buy a licence when i buy my plasma.

I opened a Mr Price Home account for fun, and never took anything for over a year, next thing they keep sending me sms statements of wat i owe them, started with R10, next thing i check months later its R120  that they say i owe. Ubani, mina???? ngekhe, i sent emails to them enquiring wat that money was for, I copied everyone on that email, from Marketing manager, Communications, Head Office wat wat, hell i would have included the tea lady herself if i knew her email add. No reply, resent the mail a couple times, then Mr manager calls me and told me its for account protection, i told him to erase that balance otherwise i'll cancel that account, guess wat 5 months later i still get R0,00 balance sms from them. Tata ma'chance!!!!!!!!!

mstick
20 Apr 2009 15:58

LOL@felfel

Cande where do you check???

Toxi my debts are as follows

STD Bank Loan
Le Morgan competitor of AMC (thats for my pots)
Truworths

Like i said i just finished Price & Pride and House & Home if i can get the 3 out of the way then i will be fine.....

Katlegom
20 Apr 2009 15:29

TheLady, yah! most people are on ITC because of Edgars.

mstick
20 Apr 2009 16:00

TV licence got tired of me they took me to the lawyers....

Toxic
20 Apr 2009 15:30

I owe:

UNISA
That bloodbank konje what do they call them...eish forgot their name
Woolies (the food)
Credit card

I know some loan is going to catch up with me. I once took out a loan years back for some lousy holiday i went to and that bank went bankrupt adn was taken in by some other big bank. I heard from someone that she got a call from them demanding money she loaned from them years ago. I'm waiting for that call.

LM
20 Apr 2009 12:55

<<Dear Mrs Awelani ,,we would like to notify you that your YDE credit limit has been increased to R4500.00,, please call this number to accept>Just few weeks bek they were calling me non-stop coz i havent paid my installment (R280)., and now they wana increase my limit..kwa kwa kwa kwa kwa kwa!

When do we say no to that Credit Increase at Truworths? Always! I receive their voucher every second month, to get R150 off when I buy for R350 and it goes straight to the bin! I'm waiting for their free voucher!

monchooza
20 Apr 2009 15:30

kanti izikoloto azisaboli la emzansi  nah???

Katlegom
20 Apr 2009 16:00

yes cande how do you check?

i know a website called credithealth.co.za, its not for free though. 
Make sure you dont end up owing them! tltltltlt!!!

TheLady
20 Apr 2009 16:02

mstick-can I ask how old you are?

Toxic
20 Apr 2009 15:31

What i like about these credit controllers is they ask to speak to you using a name you dont usually use. So nna i ALWAYS say, i dont know who that person is. Or if they ask to speak to MRS Me, i tell them i dont know who that person is.

Lancet Laboratory is the name i was looking for......they'll take you to ITC for 34.30c!

Toxic
20 Apr 2009 16:07

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE!

dali
20 Apr 2009 13:02

i had a josh door acc but m finished now. i had no choice but to pay dem and get dem off ma back. they even call even if u r not having arrears nxa! m neva doint it again!

Cande
20 Apr 2009 16:09

google it, creditexpert.co.za .you only use it for free once a year, and i have checked mine for this year already *sigh*

Best-Achiever
20 Apr 2009 15:33

i forgot to pay my TVlic last  year Dec but those irritating sms drove me to the nearest post office by the end of Jan

Pooky
20 Apr 2009 16:10

i wanna check but i'm too scared...well here goes nothing

Cande
20 Apr 2009 15:35

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless

felfel
20 Apr 2009 15:41

Where do u check Cande?

Best-Achiever
20 Apr 2009 15:43

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something ... i cant believe i became so restless i had to part with loads of cash for traffic fines ... just because i was afraid i might get caught on my way home ...

Lord know how desparately i wanna pay bond&car, every extra hundred rand i have towards the end of the money, i put it there.

mstick
20 Apr 2009 16:22

@The Lady i'm turning 25 in June.....lol....i know what triggered your question the fact that i have pots....tl tl tl tl

Katlegom
20 Apr 2009 15:43

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless 

a friend works at the bank i asked him for a printout of my creditors and UNISA Is not on there, but almost every month i get a call from Blakes & Associates calling on behalf of UNISA, i owe them R2500. Eish!

mstick
20 Apr 2009 16:26

@Toxi you can say that again payments are going no where and i forgot my overdraft Gawwwddd im really sinking here.....STD Bank

TerryN
20 Apr 2009 13:16

1. How do we get out of the Rat Race? 
***sigh****

2. When is the time to cut that Credit Card with that pair of scissors? 
I have no idea...i want to but i have to think careful just incase i need it in emergencies. (eg: Hiring car incase mine breaks down and all other emergencies) 

3. When do we say no to that Credit Increase at Truworths? 
I said HELL NO! Thnxs but NO Thnxs!! More trouble than it worth.

Anyway im just waiting for my bonus in May then i'll be a free woman....sheeew!

LM
20 Apr 2009 16:27

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something: me too BA, actually I fear initiating a debt I wouldn't be able to pay off at the end of the month (car + bozzie excl). I'm the opposite of my younger sister and mom when it comes to finance handling and I thank the lord for giving me that kind of a character!

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

felfel
20 Apr 2009 15:47

Katlegom if Unisa is not there then Blakes & Associates should be there, cos they the ones who are collecting on behalf of Unisa, Unisa got tired of chasing u and they let uBlakes do it, lol

mstick
20 Apr 2009 16:28

i know a website called credithealth.co.za, its not for free though.
Make sure you dont end up owing them! tltltltlt!!!

Triple lol @ Katlego.........we dont wannna keep digging we want to stop digging

Toxic
20 Apr 2009 15:52

yes cande how do you check?

mstick
20 Apr 2009 15:58

LOL@felfel

Cande where do you check???

Toxi my debts are as follows

STD Bank Loan
Le Morgan competitor of AMC (thats for my pots)
Truworths

Like i said i just finished Price & Pride and House & Home if i can get the 3 out of the way then i will be fine.....

carino
20 Apr 2009 13:32

mstick... i just remembered an old article similar to this... Some responses there will answer your questions and are likely to change your life... 

Here's the link:
www.tvsa.co.za/default.asp?blogname=MoneyIssues&ArticleID=7045

myname
20 Apr 2009 16:33

LOL guys,

Mna i have Edgars account & i dont wanna lie 2 u, i pay them every month & i can proudly say, im a good customer. They dont call me coz i pay them each & every month.

Mstick Le Morgan competitor of AMC (thats for my pots)...I know these people, bandibora shame coz izinto zabo r 2 expensive but bathi its 4 life.

Guys let me go home, bye

mstick
20 Apr 2009 16:00

TV licence got tired of me they took me to the lawyers....

KeleFabulous
20 Apr 2009 13:35

i've been bad with clothing acc's since i started working. at one point (my first job where i was getting about 2.8k monthly) there came pay day and with paying all my clothing acc's and cellphone i was left with 300. TRUE. needless to say i diddn't pay them. have always been in arrears with paying. i'm just so very bad. mara le bona these idiots they keep giving me credit. first acc was foschin (from my tertiary days - and mind you this was the only acc i EVER applied for, the rest were just posted to me without my asking) then came truworths then jet then woolies. 

at the moment i'm in arrears with all of these stores and am currently paying htem off. they stay off my back so long as a paymetn comes in. mara next month i am cutting them off. for good this time as i now pay rent and car instalment not to mention creche etc etc etc. my sister says i've finally grown up, at 27 nogal! that is the reason why i don't have ennertainment in my place. that can wait a coupla months cos then i can buy with my OWN money. and i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. once you go beyond that it becomes almost impossible to get back on track. plus the bank can easily repo your car/house once you've reached this stage. if you feel the instalments are too high you can ask the bank (some do this) to extend your contract. this they will only do IF you are up to date. and with 1 and maybe 2 months' arrears some banks can reschedule your arrears over the remainder of your contract period

mstick
20 Apr 2009 16:34

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

LM thats my plan now, thats is why i want out of this trap.......its a big no no

LM
20 Apr 2009 16:34

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE! shem Toxic! mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje!

Katlegom
20 Apr 2009 16:00

yes cande how do you check?

i know a website called credithealth.co.za, its not for free though. 
Make sure you dont end up owing them! tltltltlt!!!

TheLady
20 Apr 2009 16:35

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish.

Thanx Cande-apparently I have 2 defaults, no notices and no judgements on 5 accounts... Not bad.

TheLady
20 Apr 2009 16:02

mstick-can I ask how old you are?

mstick
20 Apr 2009 13:49

tnx cariri will check it it out

Toxic
20 Apr 2009 16:07

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE!

Cande
20 Apr 2009 16:09

google it, creditexpert.co.za .you only use it for free once a year, and i have checked mine for this year already *sigh*

Pooky
20 Apr 2009 16:10

i wanna check but i'm too scared...well here goes nothing

mstick
20 Apr 2009 13:50

and i'm tired of answering my work phone and saying Kele's on leave till next month....eish! 

@Kele..........LMAO....dead

Zah000
20 Apr 2009 16:46

I've also been there TL and i alomost fainted!!! So much debt, hhay ngeke i need to get out of this trap!! But then again i have no one else to blame but myself. I haven't always known how to manage imali and therefore made really bad fianciaal choices

But to think ukuthi so much of mu money is going to izikweletu just gives me "chicken skin"

mstick
20 Apr 2009 16:49

bye myname......

This year will be my second year having the pots and happy to say that in two months my skoloto will be over and i'm still happy with my pots they are a good investment as i dont have to buy new ones, Le morgan will change them for me every time they give me problems

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

TheLady
20 Apr 2009 16:56

Cash mstick...cash darling...laybye...LOL-I hope they still allow it.

mstick
20 Apr 2009 16:22

@The Lady i'm turning 25 in June.....lol....i know what triggered your question the fact that i have pots....tl tl tl tl

awelani
20 Apr 2009 13:56

and i'm tired of answering my work phone and saying Kele's on leave till next month>> LMAO,,

mstick
20 Apr 2009 16:26

@Toxi you can say that again payments are going no where and i forgot my overdraft Gawwwddd im really sinking here.....STD Bank

mstick
20 Apr 2009 17:00

@TheLady...Thats my plan no more skoloto buy it cash or dont buy it @ all

Bye guys i'm out

LM
20 Apr 2009 16:27

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something: me too BA, actually I fear initiating a debt I wouldn't be able to pay off at the end of the month (car + bozzie excl). I'm the opposite of my younger sister and mom when it comes to finance handling and I thank the lord for giving me that kind of a character!

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

mstick
20 Apr 2009 16:28

i know a website called credithealth.co.za, its not for free though.
Make sure you dont end up owing them! tltltltlt!!!

Triple lol @ Katlego.........we dont wannna keep digging we want to stop digging

Best-Achiever
20 Apr 2009 14:03

i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

kw kwa kwa kwa 

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times
Tjo Kele, i wud never have guts to miss instalments of those things, no matter what .....
one guy i know missed 3 months instalments for his G5 and they took it back in March.

myname
20 Apr 2009 16:33

LOL guys,

Mna i have Edgars account & i dont wanna lie 2 u, i pay them every month & i can proudly say, im a good customer. They dont call me coz i pay them each & every month.

Mstick Le Morgan competitor of AMC (thats for my pots)...I know these people, bandibora shame coz izinto zabo r 2 expensive but bathi its 4 life.

Guys let me go home, bye

mstick
20 Apr 2009 14:10

eish Dali me and you together no more Price & Pride....lol

mstick
20 Apr 2009 16:34

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

LM thats my plan now, thats is why i want out of this trap.......its a big no no

TheLady
20 Apr 2009 14:11

"his G5 and they took it back in March."

Ouch..that's bad. I've only ever missed my car instalment once (there were lots of holidays during that time and they decided not to take their money so I used it)...they have my mom's landline-she made my life hell for that month...never again.
Now my woolies account is something else...Lawd help me.

LM
20 Apr 2009 16:34

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE! shem Toxic! mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje!

mstick
20 Apr 2009 14:13

Cariri i'm busy reading that article and i must say the advises there will come in handy.....very nice and thoughtfull advices

TheLady
20 Apr 2009 16:35

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish.

Thanx Cande-apparently I have 2 defaults, no notices and no judgements on 5 accounts... Not bad.

monchooza
20 Apr 2009 14:16

eish why do they call the office when they have your cell phone number??? bayadima maan nxxx

mstick
20 Apr 2009 14:17

Gawd i forgot i still owe my TV licence.....eish

Zah000
20 Apr 2009 16:46

I've also been there TL and i alomost fainted!!! So much debt, hhay ngeke i need to get out of this trap!! But then again i have no one else to blame but myself. I haven't always known how to manage imali and therefore made really bad fianciaal choices

But to think ukuthi so much of mu money is going to izikweletu just gives me "chicken skin"

mstick
20 Apr 2009 16:49

bye myname......

This year will be my second year having the pots and happy to say that in two months my skoloto will be over and i'm still happy with my pots they are a good investment as i dont have to buy new ones, Le morgan will change them for me every time they give me problems

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

dali
20 Apr 2009 14:21

LMAO @ kele... i must admit @ first i was lazy to read ure reply, now dat i read it it's worth it............ lmao

TheLady
20 Apr 2009 16:56

Cash mstick...cash darling...laybye...LOL-I hope they still allow it.

cleve
20 Apr 2009 14:22


Matchstick when I was reading that conversation

LOL @ Matchstick i didnt see this cleve....funny nickname 

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you.

mstick
20 Apr 2009 17:00

@TheLady...Thats my plan no more skoloto buy it cash or dont buy it @ all

Bye guys i'm out

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

mathata
20 Apr 2009 14:32

LOL.

mstick
20 Apr 2009 14:36

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you

LOL i dont mind cleve you can call me that....

mstick
20 Apr 2009 14:39

@Cande for skipping two already a letter is send to your HR Dept yerrrrrr ga ba teleli ba kena le kolobe ka kerekeng.....nxxxx

mstick
20 Apr 2009 14:43

sorry i meant to write 'for skipping two months'

Cande
20 Apr 2009 14:44

SIES, and to think that there is people 6 years older than me who havent started paying them and people who earn way more than me and only pay them 300 a month or people who owe them more than me and havent started paying them?? Instead of running after those people, they chase innocent souls like mine. NXA

felfel
20 Apr 2009 15:08

shucks i forgot about NSFAS, i owe R9000 for 2 years tanx to the 40% rebate they gave me, funny thing is their offices in Cape Town are a walking distance from my home , if only they knew, they'll find me one day............ 

Cande
20 Apr 2009 15:13

Felfel that 9000 has gone up to 11000, they add interests on the amount you owe every month... I went from 10400 to 14000 in 3 years.

TheLady
20 Apr 2009 15:15

Cande you are not so innocent-you owe them mos.

Edgars send you a letter even if you owe them R2.50!!! I couldn't believe it. I suppose it's the principle. They got a friendof mine blacklisted for R30 she owed them.She hates Edgars with a passion.

mstick I owe tvlic about R900 too...hey instead of ukwehla ziyanyuka izikweleti!

Katlegom
20 Apr 2009 15:17

Gawd i forgot i still owe my TV licence.....eish

mstick, i dont pay that rubbish

felfel
20 Apr 2009 15:17

lol Cande it was R7000 ( from 2003) now ihamba kwabo R9000, they add around R55 every month, bayasibulala shu.

TheLady
20 Apr 2009 15:19

Katlegom-say that when you are blacklisted

Best-Achiever
20 Apr 2009 14:03

i'm tired of answering my work phone and saying Kele's on leave till next month....eish!

kw kwa kwa kwa 

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times
Tjo Kele, i wud never have guts to miss instalments of those things, no matter what .....
one guy i know missed 3 months instalments for his G5 and they took it back in March.

Katlegom
20 Apr 2009 15:23

Kele & Best  Achiever, i agree dont take chances with bond and car instalments.
According to Westbank figures 2000 cars are repossesed every month.


i've got a friend who works at NCR, she tell me these people who earn big bucks are the ones who apply for debt couscelling most.

its hectic out there guys!

felfel
20 Apr 2009 15:27

I don't have a TV licence, got 2 tvs in ma house, they were donated to me, i'll buy a licence when i buy my plasma.

I opened a Mr Price Home account for fun, and never took anything for over a year, next thing they keep sending me sms statements of wat i owe them, started with R10, next thing i check months later its R120  that they say i owe. Ubani, mina???? ngekhe, i sent emails to them enquiring wat that money was for, I copied everyone on that email, from Marketing manager, Communications, Head Office wat wat, hell i would have included the tea lady herself if i knew her email add. No reply, resent the mail a couple times, then Mr manager calls me and told me its for account protection, i told him to erase that balance otherwise i'll cancel that account, guess wat 5 months later i still get R0,00 balance sms from them. Tata ma'chance!!!!!!!!!

mstick
20 Apr 2009 14:10

eish Dali me and you together no more Price & Pride....lol

Katlegom
20 Apr 2009 15:29

TheLady, yah! most people are on ITC because of Edgars.

TheLady
20 Apr 2009 14:11

"his G5 and they took it back in March."

Ouch..that's bad. I've only ever missed my car instalment once (there were lots of holidays during that time and they decided not to take their money so I used it)...they have my mom's landline-she made my life hell for that month...never again.
Now my woolies account is something else...Lawd help me.

Toxic
20 Apr 2009 15:30

I owe:

UNISA
That bloodbank konje what do they call them...eish forgot their name
Woolies (the food)
Credit card

I know some loan is going to catch up with me. I once took out a loan years back for some lousy holiday i went to and that bank went bankrupt adn was taken in by some other big bank. I heard from someone that she got a call from them demanding money she loaned from them years ago. I'm waiting for that call.

monchooza
20 Apr 2009 15:30

kanti izikoloto azisaboli la emzansi  nah???

mstick
20 Apr 2009 14:13

Cariri i'm busy reading that article and i must say the advises there will come in handy.....very nice and thoughtfull advices

Toxic
20 Apr 2009 15:31

What i like about these credit controllers is they ask to speak to you using a name you dont usually use. So nna i ALWAYS say, i dont know who that person is. Or if they ask to speak to MRS Me, i tell them i dont know who that person is.

Lancet Laboratory is the name i was looking for......they'll take you to ITC for 34.30c!

monchooza
20 Apr 2009 14:16

eish why do they call the office when they have your cell phone number??? bayadima maan nxxx

mstick
20 Apr 2009 14:17

Gawd i forgot i still owe my TV licence.....eish

Best-Achiever
20 Apr 2009 15:33

i forgot to pay my TVlic last  year Dec but those irritating sms drove me to the nearest post office by the end of Jan

Cande
20 Apr 2009 15:35

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless

dali
20 Apr 2009 14:21

LMAO @ kele... i must admit @ first i was lazy to read ure reply, now dat i read it it's worth it............ lmao

felfel
20 Apr 2009 15:41

Where do u check Cande?

cleve
20 Apr 2009 14:22


Matchstick when I was reading that conversation

LOL @ Matchstick i didnt see this cleve....funny nickname 

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you.

Best-Achiever
20 Apr 2009 15:43

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something ... i cant believe i became so restless i had to part with loads of cash for traffic fines ... just because i was afraid i might get caught on my way home ...

Lord know how desparately i wanna pay bond&car, every extra hundred rand i have towards the end of the money, i put it there.

Katlegom
20 Apr 2009 15:43

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless 

a friend works at the bank i asked him for a printout of my creditors and UNISA Is not on there, but almost every month i get a call from Blakes & Associates calling on behalf of UNISA, i owe them R2500. Eish!

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

felfel
20 Apr 2009 15:47

Katlegom if Unisa is not there then Blakes & Associates should be there, cos they the ones who are collecting on behalf of Unisa, Unisa got tired of chasing u and they let uBlakes do it, lol

Cande
20 Apr 2009 14:29

NNa i have the nsfas loan that i used on my first year. I started paying them last year and then i didnt pay them December & January. So they wrote to my HR department demanding that they deduct money in my payslip monthly blah blah blah. demanding 10% of my payslip and threatening me coz they had their attorneys write me the letter. unfortunately for them they wrote to my work address and my  HR department is not in the same building or town  as me, and the letter landed in my manager's hands who then gave it to me..I just cut the letter into thin pieces and they cant wait i will pay them when and if i want. NXA

Toxic
20 Apr 2009 15:52

yes cande how do you check?

mathata
20 Apr 2009 14:32

LOL.

mstick
20 Apr 2009 15:58

LOL@felfel

Cande where do you check???

Toxi my debts are as follows

STD Bank Loan
Le Morgan competitor of AMC (thats for my pots)
Truworths

Like i said i just finished Price & Pride and House & Home if i can get the 3 out of the way then i will be fine.....

mstick
20 Apr 2009 14:36

@ Mstick, Yazi I didn't even notice myself I found your article so funny that I was in a rush to comment and that's what I saw in my mind (matchstick)

But I'll stick to that if you don't mind, my little nickname for you

LOL i dont mind cleve you can call me that....

mstick
20 Apr 2009 16:00

TV licence got tired of me they took me to the lawyers....

Katlegom
20 Apr 2009 16:00

yes cande how do you check?

i know a website called credithealth.co.za, its not for free though. 
Make sure you dont end up owing them! tltltltlt!!!

TheLady
20 Apr 2009 16:02

mstick-can I ask how old you are?

Toxic
20 Apr 2009 16:07

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE!

Cande
20 Apr 2009 16:09

google it, creditexpert.co.za .you only use it for free once a year, and i have checked mine for this year already *sigh*

Pooky
20 Apr 2009 16:10

i wanna check but i'm too scared...well here goes nothing

mstick
20 Apr 2009 14:39

@Cande for skipping two already a letter is send to your HR Dept yerrrrrr ga ba teleli ba kena le kolobe ka kerekeng.....nxxxx

mstick
20 Apr 2009 16:22

@The Lady i'm turning 25 in June.....lol....i know what triggered your question the fact that i have pots....tl tl tl tl

mstick
20 Apr 2009 14:43

sorry i meant to write 'for skipping two months'

Cande
20 Apr 2009 14:44

SIES, and to think that there is people 6 years older than me who havent started paying them and people who earn way more than me and only pay them 300 a month or people who owe them more than me and havent started paying them?? Instead of running after those people, they chase innocent souls like mine. NXA

mstick
20 Apr 2009 16:26

@Toxi you can say that again payments are going no where and i forgot my overdraft Gawwwddd im really sinking here.....STD Bank

Floh
21 Apr 2009 02:50

How do you cut your credit card?.....................I wish I know, mine is skyrocketting. I pay R1000 every month but the balance is R3000. I am going to pay again and withdrew the money to pay for an exam. But I told myself that once I'm done writting I will go straight to the bank tell them to unlink the bloody plastic, then I can cut it.

Woolworths account is also unmanageable...........I'm dancing in the same spot. Last they send me an email asking me if I need my balance reviewed every year. How can they send such letters.

HomeChoice..............I will never ever, ever. I wanted to be like any other woman, with a home choice label in my room. Took six month payment period and paid in 4 mnths, that was May last year, guess what last month I paid R1.58 owed to them, I thought I will never finish paying them, today I got their stattent sayin I now owe R0.00.

Teba Loan...........R2700 still owing for my studies, I wonder if I'm not balacklisted na?

TvLic..........also owing them, last time they send me an SMS while I was with my man and he paid, but they are still sending the sms's, but I realised they think I'm Mr Phakathi.

Furniture.............I don't owe it. I laybye. I won't tell you where cause you will laugh @ me.

Mystick.............why buying R7000 pots. Those pots are beautifull but does the same thing, man. Cooking food

LM
20 Apr 2009 16:27

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something: me too BA, actually I fear initiating a debt I wouldn't be able to pay off at the end of the month (car + bozzie excl). I'm the opposite of my younger sister and mom when it comes to finance handling and I thank the lord for giving me that kind of a character!

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

mstick
20 Apr 2009 16:28

i know a website called credithealth.co.za, its not for free though.
Make sure you dont end up owing them! tltltltlt!!!

Triple lol @ Katlego.........we dont wannna keep digging we want to stop digging

realist
21 Apr 2009 07:00

For clothing account, you should use the 6 months payment plan since there are no interests charged. If you took the 12 month plan then you have no sympathy from me. What is the problem that makes you skip your repayment? If it is a petty problem then you need to see a financial advisor to help you sort out your payments and stick to the advice given.

Orie
21 Apr 2009 07:13

Blakes & Associates  I just hate them. And I now have this lady from something something attoneys in Cape Town, she calls me and tells me that she will send people to my work to come and arrest me for not paying my credit card. 
I told her mam, i was not working alst year and when standard bank approached me with the credit card offer I couldnt refuse. 
And pls do ur work properly and stop stressing me, I work for the credit bereu (Lying). So I am blacklisted by standard bank and edgars, they offered me credit cards when I was so broke, and i used them, of cos if i had enough funds my debt was gonna be settled by now. As for edgars they blacklisted me for R320 and the lady who phoned says i still owe, and I told her that I dont owe U I O edgars. I settled the account a long time but she still calls complaining about her commision.

NB:These people no longer use private numbers, they use cellnumbers and they call you at around 10am, lunch or anytime after 5pm,,

myname
20 Apr 2009 16:33

LOL guys,

Mna i have Edgars account & i dont wanna lie 2 u, i pay them every month & i can proudly say, im a good customer. They dont call me coz i pay them each & every month.

Mstick Le Morgan competitor of AMC (thats for my pots)...I know these people, bandibora shame coz izinto zabo r 2 expensive but bathi its 4 life.

Guys let me go home, bye

felfel
20 Apr 2009 15:08

shucks i forgot about NSFAS, i owe R9000 for 2 years tanx to the 40% rebate they gave me, funny thing is their offices in Cape Town are a walking distance from my home , if only they knew, they'll find me one day............ 

mstick
20 Apr 2009 16:34

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

LM thats my plan now, thats is why i want out of this trap.......its a big no no

LM
20 Apr 2009 16:34

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE! shem Toxic! mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje!

TheLady
20 Apr 2009 16:35

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish.

Thanx Cande-apparently I have 2 defaults, no notices and no judgements on 5 accounts... Not bad.

Cande
20 Apr 2009 15:13

Felfel that 9000 has gone up to 11000, they add interests on the amount you owe every month... I went from 10400 to 14000 in 3 years.

Zah000
20 Apr 2009 16:46

I've also been there TL and i alomost fainted!!! So much debt, hhay ngeke i need to get out of this trap!! But then again i have no one else to blame but myself. I haven't always known how to manage imali and therefore made really bad fianciaal choices

But to think ukuthi so much of mu money is going to izikweletu just gives me "chicken skin"

mstick
20 Apr 2009 16:49

bye myname......

This year will be my second year having the pots and happy to say that in two months my skoloto will be over and i'm still happy with my pots they are a good investment as i dont have to buy new ones, Le morgan will change them for me every time they give me problems

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

TheLady
20 Apr 2009 16:56

Cash mstick...cash darling...laybye...LOL-I hope they still allow it.

TheLady
20 Apr 2009 15:15

Cande you are not so innocent-you owe them mos.

Edgars send you a letter even if you owe them R2.50!!! I couldn't believe it. I suppose it's the principle. They got a friendof mine blacklisted for R30 she owed them.She hates Edgars with a passion.

mstick I owe tvlic about R900 too...hey instead of ukwehla ziyanyuka izikweleti!

Katlegom
20 Apr 2009 15:17

Gawd i forgot i still owe my TV licence.....eish

mstick, i dont pay that rubbish

mstick
20 Apr 2009 17:00

@TheLady...Thats my plan no more skoloto buy it cash or dont buy it @ all

Bye guys i'm out

felfel
20 Apr 2009 15:17

lol Cande it was R7000 ( from 2003) now ihamba kwabo R9000, they add around R55 every month, bayasibulala shu.

Floh
21 Apr 2009 02:50

How do you cut your credit card?.....................I wish I know, mine is skyrocketting. I pay R1000 every month but the balance is R3000. I am going to pay again and withdrew the money to pay for an exam. But I told myself that once I'm done writting I will go straight to the bank tell them to unlink the bloody plastic, then I can cut it.

Woolworths account is also unmanageable...........I'm dancing in the same spot. Last they send me an email asking me if I need my balance reviewed every year. How can they send such letters.

HomeChoice..............I will never ever, ever. I wanted to be like any other woman, with a home choice label in my room. Took six month payment period and paid in 4 mnths, that was May last year, guess what last month I paid R1.58 owed to them, I thought I will never finish paying them, today I got their stattent sayin I now owe R0.00.

Teba Loan...........R2700 still owing for my studies, I wonder if I'm not balacklisted na?

TvLic..........also owing them, last time they send me an SMS while I was with my man and he paid, but they are still sending the sms's, but I realised they think I'm Mr Phakathi.

Furniture.............I don't owe it. I laybye. I won't tell you where cause you will laugh @ me.

Mystick.............why buying R7000 pots. Those pots are beautifull but does the same thing, man. Cooking food

TheLady
20 Apr 2009 15:19

Katlegom-say that when you are blacklisted

Katlegom
20 Apr 2009 15:23

Kele & Best  Achiever, i agree dont take chances with bond and car instalments.
According to Westbank figures 2000 cars are repossesed every month.


i've got a friend who works at NCR, she tell me these people who earn big bucks are the ones who apply for debt couscelling most.

its hectic out there guys!

felfel
21 Apr 2009 08:40

Bathong, banks are crooks I tell ya!!! I just phoned Nedbank now. I took a short term personal loan with them, Last month I paid my last installment of R1500 monthly. Now I call today to make sure they won’t take my money again this Friday, GUESS WAT!!!!!!!!!!! This lady tells me it takes 10 days to cancel a debit order, meaning they gonna take my R1500 and I must call them on Saturday morning wit my airtime and ask them to cancel it and reverse it, then they’ll refund me next week. Kanti if their system can show them when I skip a payment why can’t it show them ukuthi this person has finished their loan so don’t deduct again!!!!!!!!!!! What if I hadn’t called them, where does my money go kanti!!!!!!! NXA!!!!!!!!!!!! They better give it back to me in full, otherwise I’ll close my 10 years savings account with them, abandazi kahle!!!!!!!
Oh by the way the R1500 is going to enhance my savings now  : ))

realist
21 Apr 2009 07:00

For clothing account, you should use the 6 months payment plan since there are no interests charged. If you took the 12 month plan then you have no sympathy from me. What is the problem that makes you skip your repayment? If it is a petty problem then you need to see a financial advisor to help you sort out your payments and stick to the advice given.

felfel
20 Apr 2009 15:27

I don't have a TV licence, got 2 tvs in ma house, they were donated to me, i'll buy a licence when i buy my plasma.

I opened a Mr Price Home account for fun, and never took anything for over a year, next thing they keep sending me sms statements of wat i owe them, started with R10, next thing i check months later its R120  that they say i owe. Ubani, mina???? ngekhe, i sent emails to them enquiring wat that money was for, I copied everyone on that email, from Marketing manager, Communications, Head Office wat wat, hell i would have included the tea lady herself if i knew her email add. No reply, resent the mail a couple times, then Mr manager calls me and told me its for account protection, i told him to erase that balance otherwise i'll cancel that account, guess wat 5 months later i still get R0,00 balance sms from them. Tata ma'chance!!!!!!!!!

Orie
21 Apr 2009 07:13

Blakes & Associates  I just hate them. And I now have this lady from something something attoneys in Cape Town, she calls me and tells me that she will send people to my work to come and arrest me for not paying my credit card. 
I told her mam, i was not working alst year and when standard bank approached me with the credit card offer I couldnt refuse. 
And pls do ur work properly and stop stressing me, I work for the credit bereu (Lying). So I am blacklisted by standard bank and edgars, they offered me credit cards when I was so broke, and i used them, of cos if i had enough funds my debt was gonna be settled by now. As for edgars they blacklisted me for R320 and the lady who phoned says i still owe, and I told her that I dont owe U I O edgars. I settled the account a long time but she still calls complaining about her commision.

NB:These people no longer use private numbers, they use cellnumbers and they call you at around 10am, lunch or anytime after 5pm,,

Katlegom
20 Apr 2009 15:29

TheLady, yah! most people are on ITC because of Edgars.

Toxic
20 Apr 2009 15:30

I owe:

UNISA
That bloodbank konje what do they call them...eish forgot their name
Woolies (the food)
Credit card

I know some loan is going to catch up with me. I once took out a loan years back for some lousy holiday i went to and that bank went bankrupt adn was taken in by some other big bank. I heard from someone that she got a call from them demanding money she loaned from them years ago. I'm waiting for that call.

monchooza
20 Apr 2009 15:30

kanti izikoloto azisaboli la emzansi  nah???

Best-Achiever
21 Apr 2009 08:51

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa kwa at mamarish Part,

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

Me too mstick... i love home stuff but nna i save to buy it in cash... i dont do high purchase..... and the best way to get these things cheaper, buy them from Expos, beside the mega expo discount that they be selling on, you still gonna get 10% off if you have cash in your hand... got my mother imported premier pots in less that R8k, in Joburg Ester Festival.

Toxic
20 Apr 2009 15:31

What i like about these credit controllers is they ask to speak to you using a name you dont usually use. So nna i ALWAYS say, i dont know who that person is. Or if they ask to speak to MRS Me, i tell them i dont know who that person is.

Lancet Laboratory is the name i was looking for......they'll take you to ITC for 34.30c!

Best-Achiever
20 Apr 2009 15:33

i forgot to pay my TVlic last  year Dec but those irritating sms drove me to the nearest post office by the end of Jan

Cande
20 Apr 2009 15:35

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless

TheLady
21 Apr 2009 08:59

Oh Wow BA-I never go to expos-thanx man...I'll be visiting them.

felfel
20 Apr 2009 15:41

Where do u check Cande?

Best-Achiever
20 Apr 2009 15:43

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something ... i cant believe i became so restless i had to part with loads of cash for traffic fines ... just because i was afraid i might get caught on my way home ...

Lord know how desparately i wanna pay bond&car, every extra hundred rand i have towards the end of the money, i put it there.

Katlegom
20 Apr 2009 15:43

I like doing my credit checks online, and nsfas is NOT on my credit record..so i assume they are harmless 

a friend works at the bank i asked him for a printout of my creditors and UNISA Is not on there, but almost every month i get a call from Blakes & Associates calling on behalf of UNISA, i owe them R2500. Eish!

felfel
20 Apr 2009 15:47

Katlegom if Unisa is not there then Blakes & Associates should be there, cos they the ones who are collecting on behalf of Unisa, Unisa got tired of chasing u and they let uBlakes do it, lol

monchooza
21 Apr 2009 09:06

interesting...

nice
21 Apr 2009 09:10

Oh by the way the R1500 is going to enhance my savings now : )) 

Good for you felfel. 

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL

One thing I am angry about now is that my employer charged me for using my own money, i was so mad at them. I took it all out of the credit card and put it in my other account. They can be crooks when it suits them, not very different from SARS.

Toxic
20 Apr 2009 15:52

yes cande how do you check?

mstick
20 Apr 2009 15:58

LOL@felfel

Cande where do you check???

Toxi my debts are as follows

STD Bank Loan
Le Morgan competitor of AMC (thats for my pots)
Truworths

Like i said i just finished Price & Pride and House & Home if i can get the 3 out of the way then i will be fine.....

mstick
20 Apr 2009 16:00

TV licence got tired of me they took me to the lawyers....

Katlegom
20 Apr 2009 16:00

yes cande how do you check?

i know a website called credithealth.co.za, its not for free though. 
Make sure you dont end up owing them! tltltltlt!!!

TheLady
20 Apr 2009 16:02

mstick-can I ask how old you are?

Toxic
20 Apr 2009 16:07

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE!

Cande
20 Apr 2009 16:09

google it, creditexpert.co.za .you only use it for free once a year, and i have checked mine for this year already *sigh*

Pooky
20 Apr 2009 16:10

i wanna check but i'm too scared...well here goes nothing

felfel
21 Apr 2009 08:40

Bathong, banks are crooks I tell ya!!! I just phoned Nedbank now. I took a short term personal loan with them, Last month I paid my last installment of R1500 monthly. Now I call today to make sure they won’t take my money again this Friday, GUESS WAT!!!!!!!!!!! This lady tells me it takes 10 days to cancel a debit order, meaning they gonna take my R1500 and I must call them on Saturday morning wit my airtime and ask them to cancel it and reverse it, then they’ll refund me next week. Kanti if their system can show them when I skip a payment why can’t it show them ukuthi this person has finished their loan so don’t deduct again!!!!!!!!!!! What if I hadn’t called them, where does my money go kanti!!!!!!! NXA!!!!!!!!!!!! They better give it back to me in full, otherwise I’ll close my 10 years savings account with them, abandazi kahle!!!!!!!
Oh by the way the R1500 is going to enhance my savings now  : ))

mstick
20 Apr 2009 16:22

@The Lady i'm turning 25 in June.....lol....i know what triggered your question the fact that i have pots....tl tl tl tl

Lela
21 Apr 2009 09:46

I only pay for the internet and credit card and if I miss one credit card payment i get that pre-rcorded call and as soon as I haer,"good day,this is a call for miss......(and she can't even pronounce my name)" i just cut the call,do they really expect me to press one so they can tell me I owe them,nxa. I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

mstick
20 Apr 2009 16:26

@Toxi you can say that again payments are going no where and i forgot my overdraft Gawwwddd im really sinking here.....STD Bank

LM
20 Apr 2009 16:27

yhu guys ... you dont fear debts ...nna i become restless if i know i owe something: me too BA, actually I fear initiating a debt I wouldn't be able to pay off at the end of the month (car + bozzie excl). I'm the opposite of my younger sister and mom when it comes to finance handling and I thank the lord for giving me that kind of a character!

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

mstick
20 Apr 2009 16:28

i know a website called credithealth.co.za, its not for free though.
Make sure you dont end up owing them! tltltltlt!!!

Triple lol @ Katlego.........we dont wannna keep digging we want to stop digging

Best-Achiever
21 Apr 2009 08:51

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa kwa at mamarish Part,

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

Me too mstick... i love home stuff but nna i save to buy it in cash... i dont do high purchase..... and the best way to get these things cheaper, buy them from Expos, beside the mega expo discount that they be selling on, you still gonna get 10% off if you have cash in your hand... got my mother imported premier pots in less that R8k, in Joburg Ester Festival.

TerryN
21 Apr 2009 10:06

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. 

Sheeew! U must never, ever...
I'd rather dodge edgars, trueworths...etc! 

yah! most people are on ITC because of Edgars.

Bloooody Edgards!!! I also hates Edgars with passion...i dont buy there anymore but my problem is i buy my furniture at Boardmans.
Eish!! times are really hard!!

LM
21 Apr 2009 10:10

If I did not know better I would say that you like to swim in debt!! SOL. hi hi hi hi hi hi!

Oh by the way the R1500 is going to enhance my savings now: yeh Good for you Felfel! what % return do you get on that savings acc?

Nna I don't have a savings account, all my money is in my access bond! Two weeks ago a std bank broker wanted to sell me a savings account which has a return of about 7.3% per annum. apparently I was gonna 'invest' R100 every month for 5years and get about R7800 at maturity...Mncxim, maybe she thought I was high on something or stupid; i mean R100 X 60MNTHs is R6000, excluding their annual 6% inflation beating increase on that R100. Basically I was gonna lose at the end!

myname
20 Apr 2009 16:33

LOL guys,

Mna i have Edgars account & i dont wanna lie 2 u, i pay them every month & i can proudly say, im a good customer. They dont call me coz i pay them each & every month.

Mstick Le Morgan competitor of AMC (thats for my pots)...I know these people, bandibora shame coz izinto zabo r 2 expensive but bathi its 4 life.

Guys let me go home, bye

mstick
20 Apr 2009 16:34

mense, the trick is to live the lifestyle that is below your net salary! Discipline mense, discipline!

LM thats my plan now, thats is why i want out of this trap.......its a big no no

TheLady
21 Apr 2009 08:59

Oh Wow BA-I never go to expos-thanx man...I'll be visiting them.

LM
20 Apr 2009 16:34

Eish i dont want to mention standard bank cause i can't seem to shake off their loans, my payments are going NOWHERE! shem Toxic! mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje!

TheLady
20 Apr 2009 16:35

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish.

Thanx Cande-apparently I have 2 defaults, no notices and no judgements on 5 accounts... Not bad.

Best-Achiever
21 Apr 2009 10:24

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL 

It looks like ppl dont take those advices seriously.....LOL hence all the swimming....LOL

@LM.. nna i have this savings account, i call it emrgency account... which i use for real real emergency purposes .... and Absa has been calling asking me if i dont want to put that money on money market because it is now biginyana sum...

monchooza
21 Apr 2009 09:06

interesting...

nice
21 Apr 2009 09:10

Oh by the way the R1500 is going to enhance my savings now : )) 

Good for you felfel. 

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL

One thing I am angry about now is that my employer charged me for using my own money, i was so mad at them. I took it all out of the credit card and put it in my other account. They can be crooks when it suits them, not very different from SARS.

Zah000
20 Apr 2009 16:46

I've also been there TL and i alomost fainted!!! So much debt, hhay ngeke i need to get out of this trap!! But then again i have no one else to blame but myself. I haven't always known how to manage imali and therefore made really bad fianciaal choices

But to think ukuthi so much of mu money is going to izikweletu just gives me "chicken skin"

mstick
20 Apr 2009 16:49

bye myname......

This year will be my second year having the pots and happy to say that in two months my skoloto will be over and i'm still happy with my pots they are a good investment as i dont have to buy new ones, Le morgan will change them for me every time they give me problems

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

TheLady
20 Apr 2009 16:56

Cash mstick...cash darling...laybye...LOL-I hope they still allow it.

nice
21 Apr 2009 10:39

Nna I don't have a savings account, all my money is in my access bond! 

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility?

BA: one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

Currently I am looking for a way to put away all my excess cash, that I will need soon. It is just that I have something that i want to buy and have saved up for it, I dont have the time to look for one now, and wanted to put my money away safely and get a smallanyana return, have tried the credit crad option but they also charge me for making payments witha a positive balance, nxa!

Toxic
21 Apr 2009 10:44

mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje! 

LMAO LM! Ende that R500 ke monthly payment on that loan.

mstick
20 Apr 2009 17:00

@TheLady...Thats my plan no more skoloto buy it cash or dont buy it @ all

Bye guys i'm out

Lela
21 Apr 2009 09:46

I only pay for the internet and credit card and if I miss one credit card payment i get that pre-rcorded call and as soon as I haer,"good day,this is a call for miss......(and she can't even pronounce my name)" i just cut the call,do they really expect me to press one so they can tell me I owe them,nxa. I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

Best-Achiever
21 Apr 2009 10:47

Nice... i dont want that money market thing or maybe i dont understand it clearly, i put money that i wont be using anytime soon in my bond and have never withdrew from it so i cant real tell how badly do they charge for withdrawals.... but i do have access to it ... in case of emergency i just use that savings account, so im real trying by all means not to withdraw from the bond because that money will save me loads of money as far as interest are concerned. 

TerryN
21 Apr 2009 10:06

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. 

Sheeew! U must never, ever...
I'd rather dodge edgars, trueworths...etc! 

yah! most people are on ITC because of Edgars.

Bloooody Edgards!!! I also hates Edgars with passion...i dont buy there anymore but my problem is i buy my furniture at Boardmans.
Eish!! times are really hard!!

LM
21 Apr 2009 10:50

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? My money is available to me 24/7. They don't charge me anything for having this facility. The trick is to withdraw additional funds deposited and not what u paid towards ur bond. The access bond is normally available once your bond is over 12/24 months, you just need to ask for it and link it to ur bank account. 

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:)  results: less interest + short loan term

LM
21 Apr 2009 10:10

If I did not know better I would say that you like to swim in debt!! SOL. hi hi hi hi hi hi!

Oh by the way the R1500 is going to enhance my savings now: yeh Good for you Felfel! what % return do you get on that savings acc?

Nna I don't have a savings account, all my money is in my access bond! Two weeks ago a std bank broker wanted to sell me a savings account which has a return of about 7.3% per annum. apparently I was gonna 'invest' R100 every month for 5years and get about R7800 at maturity...Mncxim, maybe she thought I was high on something or stupid; i mean R100 X 60MNTHs is R6000, excluding their annual 6% inflation beating increase on that R100. Basically I was gonna lose at the end!

Best-Achiever
21 Apr 2009 10:24

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL 

It looks like ppl dont take those advices seriously.....LOL hence all the swimming....LOL

@LM.. nna i have this savings account, i call it emrgency account... which i use for real real emergency purposes .... and Absa has been calling asking me if i dont want to put that money on money market because it is now biginyana sum...

Best-Achiever
21 Apr 2009 11:04

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:) results: less interest + short loan term 

Very true LM, to thing that with a mere R200.00 extra you could save +- 2 years of repayments, makes a whole lot of difference and the money that you'd save then ... i still pay mine at 15.5%, even if rates can go to 10% i wont change mine, instead will put a little extra from my raise.

nice
21 Apr 2009 10:39

Nna I don't have a savings account, all my money is in my access bond! 

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility?

BA: one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

Currently I am looking for a way to put away all my excess cash, that I will need soon. It is just that I have something that i want to buy and have saved up for it, I dont have the time to look for one now, and wanted to put my money away safely and get a smallanyana return, have tried the credit crad option but they also charge me for making payments witha a positive balance, nxa!

Toxic
21 Apr 2009 10:44

mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje! 

LMAO LM! Ende that R500 ke monthly payment on that loan.

Beyonce
21 Apr 2009 11:07

Eish niya bragger maan! LoL

Best-Achiever
21 Apr 2009 10:47

Nice... i dont want that money market thing or maybe i dont understand it clearly, i put money that i wont be using anytime soon in my bond and have never withdrew from it so i cant real tell how badly do they charge for withdrawals.... but i do have access to it ... in case of emergency i just use that savings account, so im real trying by all means not to withdraw from the bond because that money will save me loads of money as far as interest are concerned. 

LM
21 Apr 2009 11:16

Eish niya bragger maan! LoL. Yep and we have every rite to. we earned it through discipline. so it aint our babies that they are 'swimming' in debts...LOL

Ngiyadlala, it just another day for you and me in paradise!

Beyonce
21 Apr 2009 11:20

I kno I kno LM... you guys know how to use and save money. Niqhubeke njalo, kumnandi ukungabi nazikweletu.

LM
21 Apr 2009 10:50

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? My money is available to me 24/7. They don't charge me anything for having this facility. The trick is to withdraw additional funds deposited and not what u paid towards ur bond. The access bond is normally available once your bond is over 12/24 months, you just need to ask for it and link it to ur bank account. 

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:)  results: less interest + short loan term

Best-Achiever
21 Apr 2009 11:26

Eish niya bragger maan! LoL

 kwa kwa kwa kwa kwa

felfel
21 Apr 2009 11:40

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))

Best-Achiever
21 Apr 2009 11:04

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:) results: less interest + short loan term 

Very true LM, to thing that with a mere R200.00 extra you could save +- 2 years of repayments, makes a whole lot of difference and the money that you'd save then ... i still pay mine at 15.5%, even if rates can go to 10% i wont change mine, instead will put a little extra from my raise.

myname
21 Apr 2009 11:50

I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

LOL, thanks Lela. We all need that good laugh in days like this.

Beyonce
21 Apr 2009 11:07

Eish niya bragger maan! LoL

LM
21 Apr 2009 11:16

Eish niya bragger maan! LoL. Yep and we have every rite to. we earned it through discipline. so it aint our babies that they are 'swimming' in debts...LOL

Ngiyadlala, it just another day for you and me in paradise!

Beyonce
21 Apr 2009 11:20

I kno I kno LM... you guys know how to use and save money. Niqhubeke njalo, kumnandi ukungabi nazikweletu.

Best-Achiever
21 Apr 2009 11:26

Eish niya bragger maan! LoL

 kwa kwa kwa kwa kwa

felfel
21 Apr 2009 11:40

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))

myname
21 Apr 2009 11:50

I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

LOL, thanks Lela. We all need that good laugh in days like this.

Floh
21 Apr 2009 02:50

How do you cut your credit card?.....................I wish I know, mine is skyrocketting. I pay R1000 every month but the balance is R3000. I am going to pay again and withdrew the money to pay for an exam. But I told myself that once I'm done writting I will go straight to the bank tell them to unlink the bloody plastic, then I can cut it.

Woolworths account is also unmanageable...........I'm dancing in the same spot. Last they send me an email asking me if I need my balance reviewed every year. How can they send such letters.

HomeChoice..............I will never ever, ever. I wanted to be like any other woman, with a home choice label in my room. Took six month payment period and paid in 4 mnths, that was May last year, guess what last month I paid R1.58 owed to them, I thought I will never finish paying them, today I got their stattent sayin I now owe R0.00.

Teba Loan...........R2700 still owing for my studies, I wonder if I'm not balacklisted na?

TvLic..........also owing them, last time they send me an SMS while I was with my man and he paid, but they are still sending the sms's, but I realised they think I'm Mr Phakathi.

Furniture.............I don't owe it. I laybye. I won't tell you where cause you will laugh @ me.

Mystick.............why buying R7000 pots. Those pots are beautifull but does the same thing, man. Cooking food

realist
21 Apr 2009 07:00

For clothing account, you should use the 6 months payment plan since there are no interests charged. If you took the 12 month plan then you have no sympathy from me. What is the problem that makes you skip your repayment? If it is a petty problem then you need to see a financial advisor to help you sort out your payments and stick to the advice given.

Orie
21 Apr 2009 07:13

Blakes & Associates  I just hate them. And I now have this lady from something something attoneys in Cape Town, she calls me and tells me that she will send people to my work to come and arrest me for not paying my credit card. 
I told her mam, i was not working alst year and when standard bank approached me with the credit card offer I couldnt refuse. 
And pls do ur work properly and stop stressing me, I work for the credit bereu (Lying). So I am blacklisted by standard bank and edgars, they offered me credit cards when I was so broke, and i used them, of cos if i had enough funds my debt was gonna be settled by now. As for edgars they blacklisted me for R320 and the lady who phoned says i still owe, and I told her that I dont owe U I O edgars. I settled the account a long time but she still calls complaining about her commision.

NB:These people no longer use private numbers, they use cellnumbers and they call you at around 10am, lunch or anytime after 5pm,,

felfel
21 Apr 2009 08:40

Bathong, banks are crooks I tell ya!!! I just phoned Nedbank now. I took a short term personal loan with them, Last month I paid my last installment of R1500 monthly. Now I call today to make sure they won’t take my money again this Friday, GUESS WAT!!!!!!!!!!! This lady tells me it takes 10 days to cancel a debit order, meaning they gonna take my R1500 and I must call them on Saturday morning wit my airtime and ask them to cancel it and reverse it, then they’ll refund me next week. Kanti if their system can show them when I skip a payment why can’t it show them ukuthi this person has finished their loan so don’t deduct again!!!!!!!!!!! What if I hadn’t called them, where does my money go kanti!!!!!!! NXA!!!!!!!!!!!! They better give it back to me in full, otherwise I’ll close my 10 years savings account with them, abandazi kahle!!!!!!!
Oh by the way the R1500 is going to enhance my savings now  : ))

nice
21 Apr 2009 10:39

Nna I don't have a savings account, all my money is in my access bond! 

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility?

BA: one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

Currently I am looking for a way to put away all my excess cash, that I will need soon. It is just that I have something that i want to buy and have saved up for it, I dont have the time to look for one now, and wanted to put my money away safely and get a smallanyana return, have tried the credit crad option but they also charge me for making payments witha a positive balance, nxa!

Toxic
21 Apr 2009 10:44

mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje! 

LMAO LM! Ende that R500 ke monthly payment on that loan.

Best-Achiever
21 Apr 2009 08:51

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa kwa at mamarish Part,

@TheLady i love home stuff that is why ke nale dikoloto tsa di-appliances than clothes i think those are better than diaparo i'm still renting mara i know when i buy a house i wont have to start from scratch as my house will be halfy furnished

Me too mstick... i love home stuff but nna i save to buy it in cash... i dont do high purchase..... and the best way to get these things cheaper, buy them from Expos, beside the mega expo discount that they be selling on, you still gonna get 10% off if you have cash in your hand... got my mother imported premier pots in less that R8k, in Joburg Ester Festival.

realist
21 Apr 2009 14:03

Nna I don't have a savings account, all my money is in my access bond!
That is the best way to save and at the same time have it available in case of emergencies.

in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? 
In my case they charge me nothing and as long as I have a positive balance in my access bond the funds are available as long as I need them. 

one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

As long as your balance is above 20 grand they should not charge you any fee. If it falls below 20 grand you will pay some fees if you transact.

Currently I am looking for a way to put away all my excess cash, that I will need soon.
How soon? If less than 3 years go for the money market account. If after 3 years go for unit trust and you will not regret it.

Best-Achiever
21 Apr 2009 10:47

Nice... i dont want that money market thing or maybe i dont understand it clearly, i put money that i wont be using anytime soon in my bond and have never withdrew from it so i cant real tell how badly do they charge for withdrawals.... but i do have access to it ... in case of emergency i just use that savings account, so im real trying by all means not to withdraw from the bond because that money will save me loads of money as far as interest are concerned. 

TheLady
21 Apr 2009 08:59

Oh Wow BA-I never go to expos-thanx man...I'll be visiting them.

LM
21 Apr 2009 10:50

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? My money is available to me 24/7. They don't charge me anything for having this facility. The trick is to withdraw additional funds deposited and not what u paid towards ur bond. The access bond is normally available once your bond is over 12/24 months, you just need to ask for it and link it to ur bank account. 

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:)  results: less interest + short loan term

realist
21 Apr 2009 14:10

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))
Quiet right, but be careful if you go for this option because you can sell yourself short. This used to be the in thing during the seventies and early nineties.

monchooza
21 Apr 2009 09:06

interesting...

nice
21 Apr 2009 09:10

Oh by the way the R1500 is going to enhance my savings now : )) 

Good for you felfel. 

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL

One thing I am angry about now is that my employer charged me for using my own money, i was so mad at them. I took it all out of the credit card and put it in my other account. They can be crooks when it suits them, not very different from SARS.

Best-Achiever
21 Apr 2009 11:04

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:) results: less interest + short loan term 

Very true LM, to thing that with a mere R200.00 extra you could save +- 2 years of repayments, makes a whole lot of difference and the money that you'd save then ... i still pay mine at 15.5%, even if rates can go to 10% i wont change mine, instead will put a little extra from my raise.

Lela
21 Apr 2009 09:46

I only pay for the internet and credit card and if I miss one credit card payment i get that pre-rcorded call and as soon as I haer,"good day,this is a call for miss......(and she can't even pronounce my name)" i just cut the call,do they really expect me to press one so they can tell me I owe them,nxa. I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

Beyonce
21 Apr 2009 11:07

Eish niya bragger maan! LoL

TerryN
21 Apr 2009 10:06

big things like your car and house instalments. try to keep your arrears under 3 months at ALL times. 

Sheeew! U must never, ever...
I'd rather dodge edgars, trueworths...etc! 

yah! most people are on ITC because of Edgars.

Bloooody Edgards!!! I also hates Edgars with passion...i dont buy there anymore but my problem is i buy my furniture at Boardmans.
Eish!! times are really hard!!

LM
21 Apr 2009 10:10

If I did not know better I would say that you like to swim in debt!! SOL. hi hi hi hi hi hi!

Oh by the way the R1500 is going to enhance my savings now: yeh Good for you Felfel! what % return do you get on that savings acc?

Nna I don't have a savings account, all my money is in my access bond! Two weeks ago a std bank broker wanted to sell me a savings account which has a return of about 7.3% per annum. apparently I was gonna 'invest' R100 every month for 5years and get about R7800 at maturity...Mncxim, maybe she thought I was high on something or stupid; i mean R100 X 60MNTHs is R6000, excluding their annual 6% inflation beating increase on that R100. Basically I was gonna lose at the end!

realist
21 Apr 2009 14:03

Nna I don't have a savings account, all my money is in my access bond!
That is the best way to save and at the same time have it available in case of emergencies.

in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? 
In my case they charge me nothing and as long as I have a positive balance in my access bond the funds are available as long as I need them. 

one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

As long as your balance is above 20 grand they should not charge you any fee. If it falls below 20 grand you will pay some fees if you transact.

Currently I am looking for a way to put away all my excess cash, that I will need soon.
How soon? If less than 3 years go for the money market account. If after 3 years go for unit trust and you will not regret it.

LM
21 Apr 2009 11:16

Eish niya bragger maan! LoL. Yep and we have every rite to. we earned it through discipline. so it aint our babies that they are 'swimming' in debts...LOL

Ngiyadlala, it just another day for you and me in paradise!

Beyonce
21 Apr 2009 11:20

I kno I kno LM... you guys know how to use and save money. Niqhubeke njalo, kumnandi ukungabi nazikweletu.

Best-Achiever
21 Apr 2009 11:26

Eish niya bragger maan! LoL

 kwa kwa kwa kwa kwa

Best-Achiever
21 Apr 2009 10:24

All of you complaining about debt sorry for you, have you not heard of one and only's 60:20:10:10 rule. if you have why are you not trying to apply it in your lives? If I did not know better I would say that you like to swim in debt!! SOL 

It looks like ppl dont take those advices seriously.....LOL hence all the swimming....LOL

@LM.. nna i have this savings account, i call it emrgency account... which i use for real real emergency purposes .... and Absa has been calling asking me if i dont want to put that money on money market because it is now biginyana sum...

realist
21 Apr 2009 14:10

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))
Quiet right, but be careful if you go for this option because you can sell yourself short. This used to be the in thing during the seventies and early nineties.

nice
21 Apr 2009 10:39

Nna I don't have a savings account, all my money is in my access bond! 

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility?

BA: one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

Currently I am looking for a way to put away all my excess cash, that I will need soon. It is just that I have something that i want to buy and have saved up for it, I dont have the time to look for one now, and wanted to put my money away safely and get a smallanyana return, have tried the credit crad option but they also charge me for making payments witha a positive balance, nxa!

Toxic
21 Apr 2009 10:44

mara le wena, you hv just upgraded from a welfare tv to LSM 100 one, don't you think those monthly R500 would have helped your std bank loan to dissapear faster? am just saying nje! 

LMAO LM! Ende that R500 ke monthly payment on that loan.

felfel
21 Apr 2009 11:40

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))

Best-Achiever
21 Apr 2009 10:47

Nice... i dont want that money market thing or maybe i dont understand it clearly, i put money that i wont be using anytime soon in my bond and have never withdrew from it so i cant real tell how badly do they charge for withdrawals.... but i do have access to it ... in case of emergency i just use that savings account, so im real trying by all means not to withdraw from the bond because that money will save me loads of money as far as interest are concerned. 

myname
21 Apr 2009 11:50

I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

LOL, thanks Lela. We all need that good laugh in days like this.

LM
21 Apr 2009 10:50

LM: in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? My money is available to me 24/7. They don't charge me anything for having this facility. The trick is to withdraw additional funds deposited and not what u paid towards ur bond. The access bond is normally available once your bond is over 12/24 months, you just need to ask for it and link it to ur bank account. 

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:)  results: less interest + short loan term

Best-Achiever
21 Apr 2009 11:04

I must say it is a good feeling to see interest charged goes down and down every month. since the repayment will go down due to more money being paid, it is better to keep paying what you have been paying all along:) results: less interest + short loan term 

Very true LM, to thing that with a mere R200.00 extra you could save +- 2 years of repayments, makes a whole lot of difference and the money that you'd save then ... i still pay mine at 15.5%, even if rates can go to 10% i wont change mine, instead will put a little extra from my raise.

Beyonce
21 Apr 2009 11:07

Eish niya bragger maan! LoL

LM
21 Apr 2009 11:16

Eish niya bragger maan! LoL. Yep and we have every rite to. we earned it through discipline. so it aint our babies that they are 'swimming' in debts...LOL

Ngiyadlala, it just another day for you and me in paradise!

Beyonce
21 Apr 2009 11:20

I kno I kno LM... you guys know how to use and save money. Niqhubeke njalo, kumnandi ukungabi nazikweletu.

Best-Achiever
21 Apr 2009 11:26

Eish niya bragger maan! LoL

 kwa kwa kwa kwa kwa

felfel
21 Apr 2009 11:40

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))

myname
21 Apr 2009 11:50

I also love home stuff but I buy everything cash or laybye,ityala ndiloyika oku kwe aids.

LOL, thanks Lela. We all need that good laugh in days like this.

realist
21 Apr 2009 14:03

Nna I don't have a savings account, all my money is in my access bond!
That is the best way to save and at the same time have it available in case of emergencies.

in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? 
In my case they charge me nothing and as long as I have a positive balance in my access bond the funds are available as long as I need them. 

one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

As long as your balance is above 20 grand they should not charge you any fee. If it falls below 20 grand you will pay some fees if you transact.

Currently I am looking for a way to put away all my excess cash, that I will need soon.
How soon? If less than 3 years go for the money market account. If after 3 years go for unit trust and you will not regret it.

realist
21 Apr 2009 14:10

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))
Quiet right, but be careful if you go for this option because you can sell yourself short. This used to be the in thing during the seventies and early nineties.

realist
21 Apr 2009 14:03

Nna I don't have a savings account, all my money is in my access bond!
That is the best way to save and at the same time have it available in case of emergencies.

in case of emergencies are you able to draw from your bond account? how much do they charge you for drawing and having the access bond facility? 
In my case they charge me nothing and as long as I have a positive balance in my access bond the funds are available as long as I need them. 

one thing that put me off the money market accounts is that they charge you a fee for drawing from the account, even though they pay you good interest. they should at least allow you two free withdrawals a month. 

As long as your balance is above 20 grand they should not charge you any fee. If it falls below 20 grand you will pay some fees if you transact.

Currently I am looking for a way to put away all my excess cash, that I will need soon.
How soon? If less than 3 years go for the money market account. If after 3 years go for unit trust and you will not regret it.

realist
21 Apr 2009 14:10

Ya'll should also try buying some RA's, Retirement Annuities, u get some tax relief from there too, SARS pays u back for thinking about ur future : ))
Quiet right, but be careful if you go for this option because you can sell yourself short. This used to be the in thing during the seventies and early nineties.

Cande
21 Apr 2009 15:35

let me read the link

carino
21 Apr 2009 15:47

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa

Cande
21 Apr 2009 15:35

let me read the link

carino
21 Apr 2009 15:47

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa

mstick
23 Apr 2009 10:42

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa

@Cariri o gona taba ntshege.........tl tl tl tl tl

Mafresh
23 Apr 2009 10:47

I'm so delighted to announce that come month end I'll be sekoloto free (Except from my car) Here are my simple personal rules i've come up with:
1. If u can get it cheap else where, why buy the expenive one ( I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly. For most of my designer wear, i simply buy ko IFS twice a year, UFO and there is a store downtown Jozi which sells, boGuess, Nine west and Eldos.). Me, I can be very expensive for less.

2. Always make a payment, no matter how little
3. Avoid shopping malls ( People enjoy 2 be seen at malls, it cost a fortune just to go and eat out. Lately I'm sticking to my plan of shopping only once a month, if we run out of something during the month, we wait until month end)
4. If theres extra cash left before payday, make extra payment on your accounts.
5. Rather save or dlala stokvel and avoid buying furnisher ka skoloto.

I am proud to say I dont buy ko bo Ellerines, If you buy yo stuff ko boLewis, make arrangements to pay them in three months and you will not pay those xtra what what ( bo Sales lady do not like this option so they do not mention it to customers)

Toxic
23 Apr 2009 10:52

. Avoid shopping malls ( People enjoy 2 be seen at malls, it cost a fortune just to go and eat out. Lately I'm sticking to my plan of shopping only once a month, if we run out of something during the month, we wait until month end) 

Yho!

mstick
23 Apr 2009 10:42

LOL mstick at 25 she owes AMC, PricenPride and House n Home...sounds so mamarish

kwa kwa kwa

@Cariri o gona taba ntshege.........tl tl tl tl tl

Mafresh
23 Apr 2009 10:47

I'm so delighted to announce that come month end I'll be sekoloto free (Except from my car) Here are my simple personal rules i've come up with:
1. If u can get it cheap else where, why buy the expenive one ( I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly. For most of my designer wear, i simply buy ko IFS twice a year, UFO and there is a store downtown Jozi which sells, boGuess, Nine west and Eldos.). Me, I can be very expensive for less.

2. Always make a payment, no matter how little
3. Avoid shopping malls ( People enjoy 2 be seen at malls, it cost a fortune just to go and eat out. Lately I'm sticking to my plan of shopping only once a month, if we run out of something during the month, we wait until month end)
4. If theres extra cash left before payday, make extra payment on your accounts.
5. Rather save or dlala stokvel and avoid buying furnisher ka skoloto.

I am proud to say I dont buy ko bo Ellerines, If you buy yo stuff ko boLewis, make arrangements to pay them in three months and you will not pay those xtra what what ( bo Sales lady do not like this option so they do not mention it to customers)

Toxic
23 Apr 2009 10:52

. Avoid shopping malls ( People enjoy 2 be seen at malls, it cost a fortune just to go and eat out. Lately I'm sticking to my plan of shopping only once a month, if we run out of something during the month, we wait until month end) 

Yho!

LM
23 Apr 2009 13:58

I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly: where is it situated  Mafresh?

there is a store downtown Jozi which sells, boGuess, Nine west and Eldos. address assemblief!!

mstick
23 Apr 2009 13:59

@Mafresh i like point number 1,2,4 & 5 i'm nt sure abt point number 3. look I’ve decided to eat out once a month and I don’t think doing that will turn my account into a Kalahari desert

TheLady
23 Apr 2009 14:04

I am avoiding malls unless I need something specific..for groceries I go to small shopping centres so that I don't get tempted...LOL..

help LM Mafresh and me

LM
23 Apr 2009 13:58

I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly: where is it situated  Mafresh?

there is a store downtown Jozi which sells, boGuess, Nine west and Eldos. address assemblief!!

mstick
23 Apr 2009 13:59

@Mafresh i like point number 1,2,4 & 5 i'm nt sure abt point number 3. look I’ve decided to eat out once a month and I don’t think doing that will turn my account into a Kalahari desert

TheLady
23 Apr 2009 14:04

I am avoiding malls unless I need something specific..for groceries I go to small shopping centres so that I don't get tempted...LOL..

help LM Mafresh and me

Floh
26 Apr 2009 10:48

Eish some of you guys make us feel bad...........I have this financial advisor who insist on seeing me. But I am so embarased about the way I handled my financies, how am I going to tell him that I owe credit card, overdraft and study loan. How do I break it down to him without being embarrased.


I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly: where is it situated Mafresh? ................he,he,he maybe I will spot you Mafresh ko Picadilly.

It is located in Fordsburg opposite Plaza.........not sure about street name ( not ku Bree) That is where I BARBIRISE my daughter but ke other labels are very expensive, it will turn your bank account into Kalahari Desert ( LOL)
Mini skirt sa Guess for a 2 yr old is R250..........be warned.


Floh
26 Apr 2009 10:48

Eish some of you guys make us feel bad...........I have this financial advisor who insist on seeing me. But I am so embarased about the way I handled my financies, how am I going to tell him that I owe credit card, overdraft and study loan. How do I break it down to him without being embarrased.


I simply buy my Woollies, truworths, foschini, Edargs clothes ko Picadilly: where is it situated Mafresh? ................he,he,he maybe I will spot you Mafresh ko Picadilly.

It is located in Fordsburg opposite Plaza.........not sure about street name ( not ku Bree) That is where I BARBIRISE my daughter but ke other labels are very expensive, it will turn your bank account into Kalahari Desert ( LOL)
Mini skirt sa Guess for a 2 yr old is R250..........be warned.


Mafresh
29 Apr 2009 10:15


@mstick
I guess it’s not bad to dine out once/twice monthly. Ekare se ke le leqina, iyo, there are crocodiles in my wallet, i dont wanna mess with them.

@LM & TL… President street (I forgot the name of that shop & smallernyana street) after bo Delvers towards Trimin. Will check the GPS co-ordinates and PM u guys soon. LOL
Floh… uhlakaniphile man, you are the man. C u there.
Apparently there is a Levis store around Marlboro, does anyone know about it?

LM
29 Apr 2009 10:28

Apparently there is a Levis store around Marlboro, does anyone know about it? I know Big L in woodmead (in that smallanyana  complex next to Mc D)!

will be waiting for the PM :)

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