Gripe of the day - What is yours?

[Chris_SVS]

Originally Posted by Seeker

aren't they the symptoms of shock?

Could be viral too? Off on monday anyway but I'll not be in work this week for the same symptoms + dizziness and others

Likely shock though

[Adam Ef]

Originally Posted by Seeker

aren't they the symptoms of shock?

I think they are. Once I was wrapped up warm by the nurse I felt much better. Looks like I have damaged the big ligament on the inside of my knee. So all the muscles around it are spasming in reaction making it go sideways. Very odd feeling. It weirded me out more than hurt so I went to A&E thinking I'd dislocated it as the click was very loud when it happened. Apparently it's very hard to dislocate a knee though, but the patella did make a big click when the nurse manipulated it so that may have popped out of place. Got a knee support on for a few days. Means driving to work this week which I'm not looking forward to as Bristol traffic with all the rain we're having is absurd.


Amazing the force a (relatively light) 180kg bike can put on a knee when leant sideways at 45 degrees on it. Trying to remain calm and collected showing the buyers the bike was not easy. Still, at least I didn't drop it and scrub a grand off it's value in front of them!

[Adam Ef]

Originally Posted by shiftin_gear98

Adam are you mad?

Unfortunately the opposite. Having to be very sensible. It's a second bike. Always the first to go if needs must. I'll be ok financially in a few weeks again. Have already looked at older models to see if I could get one again cheaper.

[garynortheast]

Blimey guys! It’s all happening out there isn’t it? Adam, hope your knee heals quickly.

[Adam Ef]

+ For anyone who doesn't know and has an HSBC current account with an overdraft, they're shortly to change their interest rates from 19% to about 38% !!! Doesn't seem to be being publicised with no forewarning from HSBC. I found out from a friend then searched onine to find out it's true. Apparently most other banks will be following suit. Apparently it's part of a push to stop people living out of overdrafts and using them as temporary measures instead.


It's pushing rates up to an amount that will trap a lot of people in a cycle of debt from interest though.


https://inews.co.uk/inews-lifestyle/...lained-1333092






.

[Grant66]

The change in the law does stop banks charging a fixed rate per day, so somebody who used to be charged £32 plus the interest can now only be charged the interest.

In that circumstance you'd need to be on average £1000 overdrawn all year to be worse off.

If you're always overdrawn it now benefits reducing the amount you owe the bank.

38% is a blatant rip off amount but those poor impoverished bankers need to make up for those £25 letters some how.

Sent from my SM-G950F using Tapatalk

[Adam Ef]

Originally Posted by Grant66

In that circumstance you'd need to be on average £1000 overdrawn all year to be worse off.

I had my business that went under a year or so back. Impacted my personall life massivley and left a considerable personal debt. Mostly in overdrafts two of which were / are with HSBC.


I've recovered and got myself back together with other work enough to now be able to earn a basic living and pay an extra £80 per month to chip away at those debts (£50 to pay interest, £30 reduction in amount owed... it takes a long time!). The change in rate though would mean a short fall of at least £20 per month (increasing the overdrafts rather than paying them off). That just starts a spiral of increasing debt. Even working sometimes 6 days a week at the rate I get paid between employed and freelance work there would suddenly be no way out of it. By contrast if I clear a load of it (selling a bike ) I'm suddenly losing £50 less than I was a month on interest and not having to pay the extra £30 in too. It's quite a stark contrast in cost to our lives between being in debt and being out of it.


There's better options for much cheaper debt now too. Interest rates are still very low on loans, so quite manageable compared to overdraft payments each month.


As I mentioned I'd be in increasing trouble in a months time if I didn't clear it but will be in a very good position if I do.

[shiftin_gear98]

Originally Posted by Adam Ef

Unfortunately the opposite. Having to be very sensible. It's a second bike. Always the first to go if needs must. I'll be ok financially in a few weeks again. Have already looked at older models to see if I could get one again cheaper.

My thou, is a 2003 - still goes like it did out of the box.
It doesn't need to be new to be ludicrous.

I hope the knee is ok. Keep taking the painkillers.

[Grant66]

Guess there will be winners and losers.
The people who dip into the overdraft at the end of the month won't get screwed for fees, but there will be some with large overdrafts that can't get a loan or 0% credit card to move it to that are now in a bad place.



Sent from my SM-G950F using Tapatalk

[Sir Trev]

Good luck with the knee Adam and top marks for not dropping the bike!