Not a happy chappy as even if one takes those costs off the total of credit it leaves me a balance of £294..26. My greatest fear now is do I contest this & possibly see my savings & current accounts wiped out by legal fees? Or do I let the b*****ds get away with it? The transactions list has got me totally bamboozled. The image posted below just covered Nov, there were 3 for Aug 4 for July. That's it for 2018. Previous years show several more of either 3 or 4 weird payments. I'll let you all think of reasons for why it is happening as my head after over 5 hours ,had it with numbers for the weekend!

Vis start living within your means & try to cut back on the un-necessary items, increase your payments where you can...

...otherwise.

Living the dream.

Cheers.

As you are into ebay, why didn't you look for "waterproof circuit breaker cover"
https://www.ebay.com/itm/Waterproof-Clear-6-Position-Distribution-Box-Switch-Cover-for-Circuit-Breaker/232058503487?hash=item3607c3c13f:g:u2wAAOSwJm5cZYWH

Then look further, there are bigger ones.
And why was it installed without a waterproof cover? I would have thought it was mandatory for any external electrics.
https://www.ebay.com/itm/25-6x21x10cm-Waterproof-12-Way-Distribution-Box-Switch-Cover-for-Circuit-Breaker/311863005575?_trkparms=aid%3D222007%26algo%3DSIM.MBE%26ao%3D2%26asc%3D20160323102634%26meid%3Dd82b7178f57b4249a31c4c897470023e%26pid%3D100623%26rk%3D2%26rkt%3D6%26sd%3D232323003919%26itm%3D311863005575&_trksid=p2047675.c100623.m-1

On a quick look at NEC guide, which applies in CA, it says, "The national electric code requires that all 15- and 20-amp circuit panels be rated as weather-resistant and tamper-resistant when installed in both wet and damp locations. "

Fibox makes some inspections windows ^^ http://www.fibox.com/catalog/236/GENERAL%20ACCESSORIES_ENG3.html

---

Rain here doesn't move parallel with the ground that would require more wind and the fastest gust ever recorded while I was here was 75mph, regular winds don't get that fast here and I've lived here since 2004, that's 15 years of experience, My solution is what I can do, if you want something else like inside, I'll be happy to get you an exact estimate of the cost, since I'm not paying for it at present as I have no other solution available to Me right now.

I also have a $25 rent increase in June to deal with.

If you didn't spend and put the 'extra' monies into paying off your cards and ebay, then the interest saved will have covered the $25 increase.

Electrical code like other codes also have the 'gradfather' clause where it is still OK if it met code when installed. So the box could be perfectly legal, just not safe. If you ever changed your electrical service supply, then you have to meet the new code, so the box must be replaced.

If you want a cheap solution. Get a semitransparent Tupperware container the covers 70% of the box. Cut the bottom end of container out so you can get your hand in to the breakers - and so it can 'breath' and not trap moisture. Then duct tape the sucker on.

My last post on this thread, unless I do get lucky enough for another large enough win, in which case notification of that win & donation will be posted.
Over the past 50 years whenever I have given my word, which has not been that often btw, it has been kept.
Any donation will equal the amount of common sense seen.
If what has been seen on the GTX1660 thread...

Vic,
I despair of you - you neither understand, nor will you admit, that using the revolving door of PayPal credit, credit cards and the like, is LIVING OFF CREDIT. It DOES NOT MATTER if you have to pay interest on it or not, it is STILL CREDIT. It does not matter if the money has come from "a friend", or from a bank if you have to pay it back then it is STILL CREDIT.
I can understand you don't have enough in the bank to pay for the repairs to your car, and that you need a car where you live, but PLEASE learn from this episode. Look very, very, very carefully at what you need to spend on and what you want - and recognise that these are two very different things, and make sure your reliance on credit is dramatically reduced (preferably to zero), and over as short a period as possible (and I know that might be a number of years).

---

Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?

Rob, here is something to ponder. Perhaps Vic chooses all the drama because he is bored. Living as close to the edge as possible without falling off might be an adrenaline rush for him.

---

Reign in, well that's the thing, I have no problem with that except I don't like going hungry, I have about $74.xx to $76xx worth of food to buy in March, and I have to make a payment on the car, you are asking the impossible, as to paypal credit it's a revolving account like the old sears card was that helped My mom put clothes on Me when I was a teenager, paying down paypal credit is the last that will be paid down if ever since it's very useful and that's why I have it. 5 are only being used for food and only until June or August, that's what I can do.

I'm just beginning to wonder if you really understand credit. Of the things you bought on credit, including interest payments, are these bits really costing you? I cannot imagine it is no less than 10x the original purchase price. Vic, I hope you understand that we out here view credit as a tool for emergencies , not a way of life. I hope you can look at your back statements and see how much you are paying in interest each month and how little is being paid toward the principle of the loan. My guess is that 90% of your current payments go toward interest. It take a very long time to pay off credit at minimum payment, something like 15 years. No wonder the credit cards are raising your credit limits, you're making them a whole lot of money hand over fist.

Edit
Credit card and revolving credit ar two names for the exact same thing.
/Edit

---

no one is asking you to reveal your bank account or routing number details, where did that come from? you seem to include a lot of superfluous information in your posts to deflect the issue.

no one is concerned that you don't use credit to buy basic essentials. they are concerned that you continue to use credit for things that are not essentials, which when paying back may very well cut into the money you have available to buy basic essentials. you owe some amount of money to several lines of credit. maybe stop buying computer parts? maybe sell some computer parts you already have to try to pay down your debts faster? maybe delete your ebay account to discourage more unnecessary spending?

i mean what's the real goal here? do you plan to pay off your debts at all? or do you plan to just keep rolling over the amount you've borrowed month after month, paying the minimum payment, until you die?

saying you have a "lot" of credit isn't really factual when you have 5 or 6 lines of credit, but each one wont trust you with more than a couple hundred bucks...

---

Seti@Home classic workunits: 29,492 CPU time: 134,419 hours

no one is asking you to reveal your bank account or routing number details, where did that come from? you seem to include a lot of superfluous information in your posts to deflect the issue.

no one is concerned that you don't use credit to buy basic essentials. they are concerned that you continue to use credit for things that are not essentials, which when paying back may very well cut into the money you have available to buy basic essentials. you owe some amount of money to several lines of credit. maybe stop buying computer parts? maybe sell some computer parts you already have to try to pay down your debts faster? maybe delete your ebay account to discourage more unnecessary spending?

i mean what's the real goal here? do you plan to pay off your debts at all? or do you plan to just keep rolling over the amount you've borrowed month after month, paying the minimum payment, until you die?

saying you have a "lot" of credit isn't really factual when you have 5 or 6 lines of credit, but each one wont trust you with more than a couple hundred bucks...

Vic,
This is what I really intended you to think about. Carrying credit month after month is costing you an immense amount of money, The sooner that you can stop the bleeding of money, the better off you will be. If your Credit Cards were near zero then your car repairs would have so much easier to handle.

Credit is using other peoples money for a price, can you afford the price?

---

Vic,
I really, truly wish the best for you. I have struggled with credit in the past, I was able to get out of the burden of credit. I'm wishing you the same outcome.

---

Please forgive me but i still not understand what this all has to do with NC? Or the Thread topic?

The cafe is more suited for this type of conversations.

---