About 10 years ago, Dad leaned something that changed his life. He learned that not repaying a bank loan is not a criminal offense and you can't go to prison. They have every right to take every last possession but you won't get put away.
I helped him move house once. This involved me carrying a portable TV down some stairs while Dad carried a plastic bag with clothes in it. That was it.
So, these offers for loans from banks kept coming through his letterbox - £5k here, £7k there. He ended up with over £70k in total which he'd accumulated over about a year. He never paid a penny back and said it was the bank's fault for offering a loan he couldn't resist. Many people reading this will think that's awful. Well, Dad didn't care and neither do I!
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