Class Action against the Banks

[INSINR8R]

So all this talk about the class action by IMF against the big banks is gathering momentum and they're encouraging everyone to be apart of their $1.2b claim.

Go to www.financialredress.com.au and make your claim for your share.

It basically is Overdrawn fees, late fees on personal loans etc.

I've signed up, everyone else should too.

Also forgot to mention it's free to join the class action.

[shifted]

Just signed up. I don't see why we have fees anyway, its our money and it costs us to access it even though they use it for free??

[gazza750]

it will only cost you 20% if it wins

[ho57ile]

Don't like banks charging you for looking after your money? Don't use them, they provide a service and as such I believe have the right to take a fee.

(no I do not work or are in any way affiliated with a bank)

[DRKWRX]

If we do win this the banks are just gonna make us pay for it in some way.

[MMM]

DOnt over draw and dont miss repayments. I dont see whats so hard about that? If your stupid enough to buy something without having money you deserve to pay extra fee's. The banks need to have a deterrant otherwise people will just overdraw all the time.

[Fukushima]

When I was a uni student ocassionally I got belted for not having enough money for things like direct debit mobile phone bills.

$2 overdrawn, that'll be $30 thanks.

But it happened about 4 times and I got it reversed once, so even if they win I'd have to go through 4 years of statements to get $90 back (less 20%)

Others would be in a worse position... like my parents who got belted $45 each time they wrote a check (about 10 a month). They were past their overdraft limit cos the business partner didn't pay up on time when they sold out.

I'll send them the link.

[Ryan1080]

DOnt over draw and dont miss repayments. I dont see whats so hard about that? If your stupid enough to buy something without having money you deserve to pay extra fee's. The banks need to have a deterrant otherwise people will just overdraw all the time.

Spot on.

But having said that, sometimes shit happens and your cheque may bounce etc. Not sure how they can justify their obscene fees for that, when they say they need to recoup costs.

What I think they should be going after is the delay in EFT's. Sometimes it takes 4 to 5 days for money to hit other person's account. pingpingpingpings take it out of your account straight away and hold on to it for some time, earning themselves decent interest. Often I'd rather just go and withdraw and physically deposit the cash in another account. Heck, in this day and age you'd think electrinic funds transfer would be instant, yet it takes 1000 times longer than if you physically deposit the cash yourself.

[shifted]

I just don't agree on ATM fees & transfer fees between your own accounts. :)

[cplagz]

I dont overdraw (no CC.. fucked if I was paying $30/qtr for one) but because my daily account sits below $2k i cop a $4 reverse charges and $1 account maintenance fee every month .... but have a shitload more sitting in a websavings account earning 5.65% and no fees... its retarded.

[summoner]

Sounds like 1 of those retarded krudd schemes to appeal to the masses.

[Tre-Cool]

wait a sec... IMF = International Monetary Fund?

IMF = Bank....

So 1 bank is suing another over fee's? right.. nothing suss going on here.

Just think if this was an Islamic country there would be no interest. It's against their religion.

[MMM]

wait a sec... IMF = International Monetary Fund?

IMF = Bank....

So 1 bank is suing another over fee's? right.. nothing suss going on here.

Just think if this was an Islamic country there would be no interest. It's against their religion.

And no interest on your savings. So it works both ways

[duste]

Spot on.

But having said that, sometimes shit happens and your cheque may bounce etc.

Or companies direct debiting when specifically told not to and that payments would be made in person, in cash.

[mitchy]

I just don't agree on ATM fees & transfer fees between your own accounts. :)

sounds like you chose the wrong account.

i dont pay a cent for online transactions (which is all i do), i do have to pay for transactions in an actual bank however (which i never use anyway).

[Joe]

I'd love to join you guys, but I've never actually incurred a late or overdraw fee... its really not that hard.

[TJ]

Yeah I cant see how its hard to manage.

[Macca]

Yeah I cant see how its hard to manage.

TJ is that you?

[INSINR8R]

You see some people find it hard to save.

Fluctuating rates, losing jobs etc etc. When I lost my job, I claimed hardship. Banks didn't help much, I don't get much from Centrelink and I can't afford loan repayments or other things such as my phone bills etc.

I'm about 35k in debt living on $460 a fortnight. I'm desperately looking for work to no avail and I cannot afford to buy myself new clothes. As soon as I get my payment, it all goes straight to trying to pay back my loans, my overdrawn accounts, my bills etc.

What about people like me who aren't getting any good luck and the banks don't really seem to care I am in critical financial trouble? What about everyone else who is having the same trouble I am? The fees are illegal and if you think its easy not to be overdrawn, you are ignorant.

I hope it goes ahead and I hope they win. Too many times the bank forced me to pay for things I couldn't afford even after I sought their help and informed them of my financial difficulty.

And a big fuck you to anyone who says to me to get a job and stop being lazy. I have been applying for jobs every day for the last 10 months and have had only 2 interviews in that time.

I'm now back on anti-depressants as this is too much for me to handle. I hate the point I'm at and I'm trying so hard to change it around.

/CSB

[Scaf]

I'd love to join you guys, but I've never actually incurred a late or overdraw fee... its really not that hard.

+1

EDIT: I can see how much it does effect you tho if you are in a situation like Adrians above. For that simple reason I hope they win, but for those hoping to get their 60 bucks back just to up the banks, why fucking bother, it's your own fault you got hit with the fees.

[TJ]

TJ is that you?

Steve I may be in a dirty financial hole but I dont miss payments on anything, and havnt for a long time.

Last time I did I was at uni with a casual wage and miscalculated my bills by about 10 bucks.

P.s Adrian - feel for you. Id be royally fucked if I lost my income. Keep your chin up.

[shifted]

File bankruptcy dude?

Can't earn over 55k a year for 7 years but your debts are wiped?

Hope it clears up for ya anyway man. :)

What type of job are you looking for?

[TJ]

Fuck that - ruins your life. Avoid at all costs.

[MMM]

You see some people find it hard to save.

Fluctuating rates, losing jobs etc etc. When I lost my job, I claimed hardship. Banks didn't help much, I don't get much from Centrelink and I can't afford loan repayments or other things such as my phone bills etc.

I'm about 35k in debt living on $460 a fortnight. I'm desperately looking for work to no avail and I cannot afford to buy myself new clothes. As soon as I get my payment, it all goes straight to trying to pay back my loans, my overdrawn accounts, my bills etc.

What about people like me who aren't getting any good luck and the banks don't really seem to care I am in critical financial trouble? What about everyone else who is having the same trouble I am? The fees are illegal and if you think its easy not to be overdrawn, you are ignorant.

I hope it goes ahead and I hope they win. Too many times the bank forced me to pay for things I couldn't afford even after I sought their help and informed them of my financial difficulty.

And a big fuck you to anyone who says to me to get a job and stop being lazy. I have been applying for jobs every day for the last 10 months and have had only 2 interviews in that time.

I'm now back on anti-depressants as this is too much for me to handle. I hate the point I'm at and I'm trying so hard to change it around.

/CSB
I do feel sorry for you, but didn't you calculate the worst case senario when taking these loans out? The one that comes to my mind is, if i lose my job will i be able to pay back my repayments for a certain amount of time. The banks are as much as fault for giving you the loan, than you are for taking one out.

Goodluck finding a job!!

[kurbn]

File bankruptcy dude?

Over 35K? LOL fuck that. Bankruptcy should be a LAST resort, even if you suddenly got a bill for million bucks. It will make your life very hard, especially when it comes to purchase a house

Last year my pay was late and my loan came out 2 days later and I still had not been payed, the same day the loans came out my pay cleared just after 6PM, I transfered it straight away. Next day I get an overdrawn of $40.

So I called the bank, they say I should of done it before 6pm, I told them to give back the 40 bucks, seeing never get overdrawn fees this one off is a load of shit.. So they gave it back.

I have no problem paying the $2 they charge you at other banks, I would rather pay the $2 than walk around to find my ATM, just the same if there was a mass line at a Westpac ATM (my bank) and a one person at an ANZ bank, I would just rather spend the 2 bucks and be on my way. Just a convenience thing.

[Steppo_GT]

sell car pay loan? I know it sounds harsh but if you're struggling as it is why not make it easier for yourself.

[kurbn]

and if the car loan outweighs the sale price of his car, that means he has no car and still has to pay the same re-payments.

[Kilma]

I'd love to join you guys, but I've never actually incurred a late or overdraw fee... its really not that hard.
+1

All of you guys who are signing up, I'd like to take this opportunity to thank you.

To pay for the legal fees (which no doubt will run up extremely quickly and be drawn out) and all of the fees the banks will miss out on if you do win, they will hit up everyone by charging you for something else (interest rates are the first thing and easiest that come to mind), not just the ones who have been charged when they were told about the fees.

I sympathise with your position Adrian. It's a good idea in theory, but as was said, you'll pay for it one way or another.

[Lmx]

and if the car loan outweighs the sale price of his car, that means he has no car and still has to pay the same re-payments.

couldn't you just sell car, take out smaller loan through different company to make up the extra (if needed) to finish the original loan, smaller loan smaller repayments?

[kurbn]

He would need to have a job to do that, and also to have worked there for a certain period of time and display he has enough left over cash after all his bills have been payed to cover his new loan.

[INSINR8R]

I do feel sorry for you, but didn't you calculate the worst case senario when taking these loans out? The one that comes to my mind is, if i lose my job will i be able to pay back my repayments for a certain amount of time. The banks are as much as fault for giving you the loan, than you are for taking one out.

Goodluck finding a job!!

I had that in mind, but these loans are a few years old and you really never expect what happens to happen. Although it was always in the back of my mind, the loans were a necessity, not a want.

When I applied for the loan, I was making bulk money and wasn't having any problems. But gradually I started making less and less till one day I was without a job. I coped alright for a little while with my tax refund but that didn't last and I was pretty much screwed after that.

I had loan protection but after being informed it only covered a certain amount (less than $2k) that wasn't going to help.

Thanks for the encouragement though.

As for the car. It's not mine to sell. When I started earning less, my mum offered to take it and pay for it until I could afford it again. Since we are trying to get rid of my old work van, once that's gone we'll be short a car.

Also, we still owe about as much as it's worth.

[1JZVL]

DOnt over draw and dont miss repayments. I dont see whats so hard about that? If your stupid enough to buy something without having money you deserve to pay extra fee's. The banks need to have a deterrant otherwise people will just overdraw all the time.

sounds about right to me :)

[INSINR8R]

He would need to have a job to do that, and also to have worked there for a certain period of time and display he has enough left over cash after all his bills have been payed to cover his new loan.

This. Banks want a letter from employers or at least 3 months proof of employment before considering a loan.

I'm unemployed so there goes that idea.

Also, when you overdraw, it's your money you're overdrawing in the end. If you're $50DR in your account, you have to put that $50 back to be able to withdraw any credit in your account. So that means you get paid $800, but you are $50DR, you end up with $750 and the bank makes it's money back.

Before October last year, Commonwealth Bank was charging $35 dishonour fee for accounts $1 or more in debit.

[Brockas]

I'm about 35k in debt living on $460 a fortnight.

Not having a go mate, but how the fk did you get 35k in debt??

Unless you bought a house, and got screwed like Ben did, I can't see how that's possible??


and if the car loan outweighs the sale price of his car, that means he has no car and still has to pay the same re-payments.

SO? Yes he might have to pay the same repayments, but the loan would incur substantially less interest, and his repayments might actually make a dent in the amount owed instead of simply being paid to the bank...

[INSINR8R]

I had a loan originally from 2007 that was for $20k. The reason was personal, but I gave some to my mum to stop us from losing our house.

I managed to pay about half of that off, then when my workvan broke down., I borrowed from Bankwest. 6k was set aside to repair my van (second hand reconned engine, fitting, new radiator, new things etc) and the rest (11k) was supposed to pay my Commonwealth loan. Because of the time it took for my van to get fixed, I lost my job. My mum also lost hers and so did my brother.

Essentially, my stepdad was the only one working and everyone else was up shit creek. So I gave my mum about 7k to help pay the Monaro's finance and insurance. The rest went to pay back some of my Commonwealth and some of my Bankwest loan. Was looking for work and gradually ran out of money, on Centrelink now and struggling to pay back. Because both loans hit arrears, one loan is 19k the other is 11k. Plus I have a $1000 phone bill (over 3 months) that I'm trying to pay off and another for a laptop I bought.

I also am overdrawn two accounts total $500 and owe money here and there.

I know. I really fucked up. Worst thing was I actually went to a financial planner for help just before I lost my job and everything kinda just exploded all at once and I couldn't keep up.

[kurbn]

Jesus, this might seem like a mass fail but have you considered night fill until you can find a job? It's pretty easy to get into, You need to speak to the nightfill manager so you get a chance to get your foot in the door. At least you can work and look for a job at the same time and the pay is not that bad providing you put some hours in. I used to do 6:30am til 3:30pm in my day job and 5pm til midnight 6 days a week at woolies nightfill for a while. A lot of middle aged people do it just to get back on their feet financially.

[nang3]

Don't like banks charging you for looking after your money? Don't use them, they provide a service and as such I believe have the right to take a fee.

(no I do not work or are in any way affiliated with a bank)

yeh I agree that banks do in fact provide a service and i dont mind paying for that but its the way they are money hungry pingpingpingpings that pisses me off.
Example:

i used to have an account where my pay would get deposited into it every monday and direct debits for loans etc taken out that afternoon. worked fine every single week without fail ...
except when the monday was a public holiday.. in this case the deposit is delayed a day yet the debits still come out, causing the account to go overdrawn sometimes and a nice $35 fee to be applied..

The pay was deposited from the same bank via the banks internal automatic transfer method and the loan repayments were for the same bank as well so its not like its an interbank delay or some shit..

besides the fucking $1500 a month i tear up in interest on my home loan should be enough to get those greedy fucks to waive a couple of overdue fees.


end of the day, all banks are pingpingpingpings.

[shifted]

I had a loan originally from 2007 that was for $20k. The reason was personal, but I gave some to my mum to stop us from losing our house.

I managed to pay about half of that off, then when my workvan broke down., I borrowed from Bankwest. 6k was set aside to repair my van (second hand reconned engine, fitting, new radiator, new things etc) and the rest (11k) was supposed to pay my Commonwealth loan. Because of the time it took for my van to get fixed, I lost my job. My mum also lost hers and so did my brother.

Essentially, my stepdad was the only one working and everyone else was up shit creek. So I gave my mum about 7k to help pay the Monaro's finance and insurance. The rest went to pay back some of my Commonwealth and some of my Bankwest loan. Was looking for work and gradually ran out of money, on Centrelink now and struggling to pay back. Because both loans hit arrears, one loan is 19k the other is 11k. Plus I have a $1000 phone bill (over 3 months) that I'm trying to pay off and another for a laptop I bought.

I also am overdrawn two accounts total $500 and owe money here and there.

I know. I really fucked up. Worst thing was I actually went to a financial planner for help just before I lost my job and everything kinda just exploded all at once and I couldn't keep up.

Fuck man, that is unlucky. Sorry to hear hey.

What type of business were you running? Looking for labouring work?

[INSINR8R]

I was a courier. Was working for a company but yeah kinda went downhill at the start of last year. Then the van breaking down then losing my job, shit just got worse.

I've tried night fill. Because of my size, it kinda hinders me from doing certain things. I am, however, having surgery in November so I will no longer be such a fat ass :D

[TJ]

Surgery?

[ben351]

You see some people find it hard to save.

Fluctuating rates, losing jobs etc etc. When I lost my job, I claimed hardship. Banks didn't help much, I don't get much from Centrelink and I can't afford loan repayments or other things such as my phone bills etc.

I'm about 35k in debt living on $460 a fortnight. I'm desperately looking for work to no avail and I cannot afford to buy myself new clothes. As soon as I get my payment, it all goes straight to trying to pay back my loans, my overdrawn accounts, my bills etc.

What about people like me who aren't getting any good luck and the banks don't really seem to care I am in critical financial trouble? What about everyone else who is having the same trouble I am? The fees are illegal and if you think its easy not to be overdrawn, you are ignorant.

I hope it goes ahead and I hope they win. Too many times the bank forced me to pay for things I couldn't afford even after I sought their help and informed them of my financial difficulty.

And a big fuck you to anyone who says to me to get a job and stop being lazy. I have been applying for jobs every day for the last 10 months and have had only 2 interviews in that time.

I'm now back on anti-depressants as this is too much for me to handle. I hate the point I'm at and I'm trying so hard to change it around.

/CSB

your a courier right ?

you got your own van still !?

[INSINR8R]

Was a courier. No.

Surgery, the kind that makes fat people somewhat thinner.

[DRKWRX]

shit man if I was you id be trying to get a job up north or somthing to make some good coin, not much reason to stay down here with heaps of dept!

[ben351]

Was a courier. No.

Surgery, the kind that makes fat people somewhat thinner.

i can get you courier work if you can get a van

[DRKWRX]

couldn't you hire a van? dont know how much couriers earn to make it worthwhile though.

[TJ]

Im not having a go Adrian, cos trust me, I've been there and I've walked the road of weight issues for a long long long time.

Fuck the surgery off, save yourself 5-10 grand, and start today. By November you will have made massive leaps without it anyhow.

I lost a heap of it, fucked my knee, put nearly every kg back on, and am now doing it again for the 2nd time in 2.5 years. If you truly want it bad enough youll do it without the surgery.

[INSINR8R]

Not back with Direct. I don't want to go back there. Probably wouldn't be taken back either.

Customer Service? Like call centres n shit, that's what I have been applying for as that's pretty much what I am good at.

[INSINR8R]

Im not having a go Adrian, cos trust me, I've been there and I've walked the road of weight issues for a long long long time.

Fuck the surgery off, save yourself 5-10 grand, and start today. By November you will have made massive leaps without it anyhow.

I lost a heap of it, fucked my knee, put nearly every kg back on, and am now doing it again for the 2nd time in 2.5 years. If you truly want it bad enough youll do it without the surgery.

Surgery is only $1000. I've been on a waiting list for 2 years.

Considering I could pay the $12k and get it done as soon as I wanted, this seemed the better option.

Also, I have tried pretty much everything there is. The shakes, walking, weights, physical activity, diets, fasting and anything else you can name. Surgery was a last resort and I'm at that last resort.

/end life story

[TJ]

Fair enough. Best of luck with it, its the best thing you can do for yourself.

[INSINR8R]

Indeed, thanks TJ.

[Skrappy]

Was a courier. No.

Surgery, the kind that makes fat people somewhat thinner.

Off topic.. but check out the three options before choosing one. I had gastric sleeve and couldn't be happier. Too many people think the band is the only way.

Edit: Also most people lose weight then put it back on.. just like TJ. Better to lose and not worry about it again. But there's not much point debating weight loss surgery tbh, it's a personal choice and peoples' opinion will differ on the topic.

[TJ]

Skrappy only reason I put it back on was because of my knee.

Ive lost my weight the old fashioned way so to speak - excerise and diet.

Then did my knee, the limited exercise for 8 months ruined me, then go emo about it all, and what do most fat people do when they are emo? Eat. Always helps the weight loss process!

[Skrappy]

Yep I agree, but a lot of weighty people will put on what they lost + more for one reason or another. I know I did.

If you can lose weight and change your lifestyle so it stay off, brilliant. There are a lot of people who can't though and need something "idiot proof" to prevent them from eating donuts (I'm in this catagory).

[1JZNOSHIT]

Customer Service? Like call centres n shit, that's what I have been applying for as that's pretty much what I am good at.

What your good at, meaning you have a bit experience?

[jedi_luke]

I worked for NAB for 7 years and all I can say is 50% of people should not have access to money , you get food stamps instead until you can work out how to manage your finances , if you cant afford that bag of magic beans then DON’T FUCKING BUY IT , you should know how much you have in your account and if you have a direct debit set up then think ahead and make sure you have enough money , what do you do when you are driving around and you start to run out of petrol? You see the inevitable problem of running out of fuel and you put more in or stop driving until you can afford to if you are a poor pingpingpingping , you don’t just drive until you run out and then have a sad because the petrol station charged you extra for a jerry can. Fucking manage your shit!

If you are not happy with fee’s , then change banks , most have a every day transaction account that does not have a monthly or yearly account keeping fee, go ask , if you have extra cash then put it into a online saving account , use internet banking , etc. OR!!! Put your money under your mattress , the bank does not care

yes i ramble :) , took 1 min to write (not well) , back to sleep

[_S9_]

Customer Service? Like call centres n shit, that's what I have been applying for as that's pretty much what I am good at.
Your resume/cover letter could use some work bud!

[stumps.]

I worked for NAB for 7 years and all I can say is 50% of people should not have access to money , you get food stamps instead until you can work out how to manage your finances , if you can afford that bag of magic beans then DON’T FUCKING BUY IT , you should know how much you have in your account and if you have a direct debit set up then think ahead and make sure you have enough money , what do you do when you are driving around and you start to run out of petrol? You see the inevitable problem of running out of fuel and you put more in or stop driving until you can afford to if you are a poor pingpingpingping , you don’t just drive until you run out and then have a sad because the petrol station charged you extra for a jerry can. Fucking manage your shit!

If you are not happy with fee’s , then change banks , most have a every day transaction account that does not have a monthly or yearly account keeping fee, go ask , if you have extra cash then put it into a online saving account , use internet banking , etc. OR!!! Put your money under your mattress , the bank does not care

yes i ramble :) , took 1 min to write (not well) , back to sleep

Good Post, Not including job loss there is no reason why people should have money coming out they cant afford.

Love the petrol analogy.

[Drift_R32]

I worked for NAB for 7 years and all I can say is 50% of people should not have access to money , you get food stamps instead until you can work out how to manage your finances , if you can afford that bag of magic beans then DON’T FUCKING BUY IT , you should know how much you have in your account and if you have a direct debit set up then think ahead and make sure you have enough money , what do you do when you are driving around and you start to run out of petrol? You see the inevitable problem of running out of fuel and you put more in or stop driving until you can afford to if you are a poor pingpingpingping , you don’t just drive until you run out and then have a sad because the petrol station charged you extra for a jerry can. Fucking manage your shit!

If you are not happy with fee’s , then change banks , most have a every day transaction account that does not have a monthly or yearly account keeping fee, go ask , if you have extra cash then put it into a online saving account , use internet banking , etc. OR!!! Put your money under your mattress , the bank does not care

yes i ramble :) , took 1 min to write (not well) , back to sleep


im with NAB and if i didnt have a personal loan for when i started my business i would fuk them off as quick as i can. They are fukn horrid with fees and interest rates? bleh mite aswell get a loan through GE.

also with the talk about over drawing accounts..problem is people live to their current situation IE so they go get loans cause they can afford them and spend up big whenever they want. then they lose their job and are left with loans etc that cant be paid. it really depends on your situation...i can see it been pretty easy to over draw you account if your paying decent rent, health insurance, car repayments, bills etc unless your raking it in.

[mitchy]

then live to what your budget can afford, not what you want.

not hard!

[Brockas]

Also, I have tried pretty much everything there is. The shakes, walking, weights, physical activity, diets, fasting and anything else you can name. Surgery was a last resort and I'm at that last resort.

Rubbish.

Sorry dude, I think you're a good bloke, but that is such a cop-out comment.

There are a lot of people on here who have successfully lost weight. It's not magic, it's basic science.

Walk an hour a day (as you're not working you should have plenty of time), and limit yourself to 2000 calories.

You'll probably tell me you've tried it, but doing it for 3 weeks then giving up because you don't notice a difference isn't trying it.

DO IT FROM NOW ON. Don't think of it as a diet, think of it as a permanent lifestyle change.

If you get the surgery, and don't change your lifestyle, you're going to be the same weight (or close to it) by this time next year.

[INSINR8R]

Your resume/cover letter could use some work bud!

Resume is everything I could possibly put in. I had to omit stuff because I was told older employers wouldn't give it a second glance.

Who do you work for that I applied to?


Rubbish.

Sorry dude, I think you're a good bloke, but that is such a cop-out comment.

There are a lot of people on here who have successfully lost weight. It's not magic, it's basic science.

Walk an hour a day (as you're not working you should have plenty of time), and limit yourself to 2000 calories.

You'll probably tell me you've tried it, but doing it for 3 weeks then giving up because you don't notice a difference isn't trying it.

DO IT FROM NOW ON. Don't think of it as a diet, think of it as a permanent lifestyle change.

If you get the surgery, and don't change your lifestyle, you're going to be the same weight (or close to it) by this time next year.

It's not a cop out Paul. I have been overweight my ENTIRE life. I have never been a decent weight since I was 4.

I never really wanted to make my official weight public, but unless people actually see it from my point of view, they will never quite understand.

I am 6'4 and I weigh 273kg. No, that's not a joke, that is how much I weigh. Do you see now why this is my last resort? Who in their right mind wants to weight that much?

It's embarrassing to know myself that that is how much I weigh. When I went to the doctor to finalize this surgery, I had no clue that was what would show on the scales. I'm still able bodied, I can still walk and do all that other shit, but with that much weight when I should weigh no more than 120kg, my life is in danger.

I was told I would drop at least 40kg within 6 weeks, and gradually get down to 130kg within 2 years. That is 140kg I could lose, the equivalent to 2 teenage males. I weigh more than three average males combined. It's heart breaking and depressing.

I think that is the safest and best option to prevent me from dying before my 25th birthday.

[RELEASE]

Adrian, didnt know you were so far in shit financially dude...sorry to hear and hope things sort themselves out for you real soon man. just dont give up its bound to happen. Good luck with it :)

[Skrappy]

If you get the surgery, and don't change your lifestyle, you're going to be the same weight (or close to it) by this time next year.

Sorry Paul, but if the correct surgery is done, this isn't possible.

Some people have too many barriers (or lack of willpower if you want to call it that) to lose the weight and keep it off. The proof is all the fatties around that don't lose weight. No-one wants to be obese for the fun of it. It's great to say walk an hour a day and keep to so many calories... and you're right, it is that simple. Doesn't change the fact that some people just can't stick to it.

It's obvious what your opinion is, and that's fine, but you haven't been obese (+40 BMI) and really can't understand how things work from the perspective of someone struggling with weight for years on end.

Sometimes the lifestyle change can only come after you have lost the weight.

[INSINR8R]

Forgot to mention, the surgery changes how much food I can eat.

For 6 weeks I can only consume liquids while my stomach adjusts. After that, I can eat a meal that is pretty much 1/4 a regular size. I have to change my diet, if I eat I can't drink as there will be no room for the liquid to pass. The idea is to make you feel fuller quickly so you don't feel like eating. Then the body starts burning the excess fat and that is where the weight loss starts. Coupled with exercise I will lose the weight that is holding me down.

I know everything about it as for the last two years I have been reading a lot of text. I'm only 23, this will change my life and hopefully I will make it to 30, otherwise I would be dead in a few years.

[Skrappy]

Is it the bypass or sleeve?

If it's the sleeve and you want some info or whatever, send me a PM :P Bypass is similar but not identical to what I had done.

[INSINR8R]

It's the sleeve, where they put the adjustable ring around the top of your stomach to make it smaller.

EDIT: My mistake, its the band, not the sleeve. They aren't cutting my stomach.

[TJ]

I see it from both sides.

I really feel for Adrian, cos I've been there. Never to that extent, but I did at my worst touch 174kg.

The morning after my bday I woke up and said "no more"

in 12 weeks I lost 40kg. Yes, 40. no diets, no pills, no magical shit. I just exercised an hour a day and was mega strict on my food. No booze, no takeaway of any sort, no sweets unless I was having a hypo moment with my diabetes, just clean healthy food. Then I did my knee, and got back to 162kg. Ive dropped 26 of those in 9 weeks.

I myself have said "oh ive tried ive tried" which would equal to monday tues wed eating well then on thursday losing my willpower and eating a packet of biscuits and a pizza or whatever while counting my exercise as one game of bball a week.

End of the day it boils down to this simple thing - calories out > calories in = weight loss. Its up to you how bad you want it.

Some people are able to do it without medical help, some might need it. But you need to make the lifestyle changes to go with it.

Regardless, best of luck Adrian, its exactly why I wanted to lose weight. In 20 years time you will look beyond the memories of parties with your mates, burnouts, abusing people on forums, whores, and remember it as the greatest thing you will ever do.

I just got from 1 hour 45 in the gym btw.

[Brockas]

Forgot to mention, the surgery changes how much food I can eat.
I stand corrected.

Didn't realise you were getting a sleeve as well.

Fair enough man, good luck with it all.

[Anaru]

I've tried night fill. Because of my size, it kinda hinders me from doing certain things.

Excuse my ignorance, but I'm a pretty big guy and I have never found my weight to be a job issue (labour/sales/bar work/event work)
I can't think of why weight would be a issue. Although are you talking more about stamina/fitness?

/offtopic

[Brockas]

Excuse my ignorance, but I'm a pretty big guy and I have never found my weight to be a job issue (labour/sales/bar work/event work)
I can't think of why weight would be a issue. Although are you talking more about stamina/fitness?

/offtopic

Did you read 3 posts above? 273kgs isn't exactly a small issue.

[Niva]

This sounds stupid before I even type it, but when i try to find info on it im swamped by miricle cures and the like.

is there an opposite to this surgery? for people who CANT put on weight?

[Anaru]

Did you read 3 posts above? 273kgs isn't exactly a small issue.



Major Back peddle, I miss-read it as '173kg'

Sorry about that, and all the best INSINR8R :)

[Joe]

Adrian I hope you can get all your stuff sorted.

We can all say that its easy to do things like not get into debt, lose weight, etc, but every situation is different and we don't know what its like unless we've walked in those shoes ourselves.

Good luck to you mate, you're a good bloke and I hope it all works out for you.

[kurbn]

Excuse my ignorance, but I'm a pretty big guy and I have never found my weight to be a job issue (labour/sales/bar work/event work)
I can't think of why weight would be a issue. Although are you talking more about stamina/fitness?

/offtopic

Yeh but you're Maori Muscle!

I have trouble trying to loose 5kg, (I weigh 80kg and I am 179cm tall) well I lack motivation to do so, I tip my hat to those who put the effort in, these days I am too exhausted to exercise after work.

[INSINR8R]

Thanks everyone :D

[RICEY]

Yeh but you're Maori Muscle!

I have trouble trying to loose 5kg, (I weigh 80kg and I am 179cm tall) well I lack motivation to do so, I tip my hat to those who put the effort in, these days I am too exhausted to exercise after work.

I thought the same thing, Im just over 6ft and was 115kgs. Finish hard day at work battle peak hour traffic and the last thing I wanted to do was exercise. But I got sick of seeing photos of myself and seeing how overweight I was. So 3 weeks ago I decided fuck this and completely changed my diet and walk/run a minimum of 5kgs every night (well Ive missed about 8 days over that period to be honest haha). Im on day 20 and just weighed myself and Ive lost 7kgs. Doesnt sound like a lot till you actually lift something thats 7kgs and its a fair bit. I feel so much better both physically and mentally, I now want to go and do my exercise. I feel full after eating so much less now and I enjoy eating healthy.

Anyone can do this you just have to want it and be commited. My initial main goal was to get down to 95kgs, but I set myself small goals like getting under 110 and then getting under 100. When you achieve the small goals you feel awesome. I look in the mirror now and can actually see that Im losing weight.

Getting started is the hardest part but once you do its the best thing ever.

Adrian I feel for you man and youre obviously in a more difficult position than I am and surgical assistance is sometimes needed. That being said you cant get the band and not change anyhting else, fuck off all the crap food and cool drink and just eat healthy. Drink water and whenever you crave something sweet have an apple or an orange. You can do anyhting you put your mind to bro. I wish you all the best for your weight loss and job search.

[INSINR8R]

Thanks Mark.

I have done pretty much all of that, cut back on the food and the drinks. I'm drinking more water than anything else these days and I usually occupy myself to stop myself from eating.

[2nd2nun]

Adrian mate let me know if your keen on a job :D

[INSINR8R]

Doing what?

[mehow2g]

I went from 109kg to 83 with in 6 months im 6ft tall it wasnt that hard its just consistent work wake up.

[2nd2nun]

Pretty much anything I can find for ya in the factory..

Company is Coromal Caravans, varied things through out the factory, all though things like putting the furniture together or framing would be easy for you I reckon mate.. Got a few of the bigger boys workin in those areas.

[Nic_A31]

We're a bit off topic here.

RE: Weight loss, stress can affect that.
I can eat as much shit food as i like, all weekend, and laze around on my ass, doing fuck all, and on Monday I'm lighter, while working Monday to Friday, I'll skip breakfast, have a salad roll for lunch, go through 2-3 litres of water, and whatever the folks put on the table is what I'll have for dinner, before I work on my car until 9 or 10, then do a 1hr run, then another shower and hit the sack...somehow, doing that 5 days in a row, leaves me putting on weight.
Apparently stress (which my job supplies me alot of) cons your body into storing fat, more specifically in the abdomen. So while people might try as hard as they can, if they're stressing balls, it might just be useless.
I'm 180+cm, and weigh 95kg (weekdays, on a Monday morning I'm around 90-92), build wise I have some extra baggage, in terms of fitness I'm fine....I can run all I like, I do get exhausted, but not enough to throw in the towel. That doesnt make any sense, does it? I'm not going to blame it on stress but I can't explain it, I've asked 2 doctors as was suggest it was either stress or depression.

RE: Money shit,
There is no "in the same boat", or "not in the same boat". Every person earns a different figure, every person has borrowed a different figure, then each person has a different set of contending factors, such as their interest rates, cost of living, other repayments. Everyone's final digits are different, everyone has their own situation.
As some people have put in this thread, it can be very easy to be riding on top of a situation and be in control, then suddenly find yourself being assfucked.
Somebody on page 2? said compensate for the worst when borrowing money? So if your partner left you, you could continue paying off your home loan? .. some things really can't be compensated for, because you trust your current parameters maybe a little too much, and thats what can make the whole deal pair shaped.