Unfortunatly there are people out there with major debt problems, who for whatever reason will find credit at rip off rates despite being on DMP etc.
Yes, been there done that one and had to sell a house in the process, I understand where you're coming from.
I agree history will repeat itself, the kids of today know little better from their parents who took the money to spend on all the things they needed to show off to the neighbours, so why should their kids do anything different unless theyve been taught its wrong.
The temptation will surely be there again.
I have no interest at all in knowing what my credit rating is, most of the debt will be 6 years old in a few months and will be taken off the file but I'm not bothered about it - I still deal only in cash.
Butts I hope Virgin works OK for you, good luck, theres got to be some happy customers hasn't there!
Dollylocks unfortunately I don't agree TV/BBand is a luxury not a need, it is anything but in our house and if i didnt have a husband it would be the first thing to go.
I need BBand for work but could use a dongle for that if I had to so I'm not really reliant on anyone for that service.
Be careful its all going to come back to bite us on the bum if we let it.............