We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
advice on writing off credit cards pre-2007
Options
Comments
-
never-in-doubt wrote: »That's what I keep trying to instil but they just don't grasp it! Bottom line is that things change, !!!!!! happens and sometimes, just sometimes we have to resort to underhand tactics to make life easier.
However, just point out that unenforceability is a right, it isn't wiping the balance because the debt remains and if they can find the CCA at a later date they can then enforce it again (only to a maximum of 6yrs - limitations act would then supercede the CCA)......
So you agree that "using underhand tactics to make life easier" is something all should aspire to?0 -
So what has happened to the days when CONSUMERS were repsonsible for their finances instead of laying the blame at the feet of the banks.
If some people are that STUPID to borrow beyond their means then this is not the banks fault.
A consumer still has to sign on the dotted line.0 -
So what has happened to the days when CONSUMERS were repsonsible for their finances instead of laying the blame at the feet of the banks.
If some people are that STUPID to borrow beyond their means then this is not the banks fault.
A consumer still has to sign on the dotted line.
And go and buy stuff with the money they have been lent.0 -
So what has happened to the days when CONSUMERS were repsonsible for their finances instead of laying the blame at the feet of the banks.
If some people are that STUPID to borrow beyond their means then this is not the banks fault.
A consumer still has to sign on the dotted line.
That's where you're wrong, they have not been signing at all thus unenforceable....;)
As for calling people stupid, I think you're bang outta order. That is your opinion which should be kept inside, who are you to call everyone stupid? They are not stupid, more astute.
I'd say people like you are actually the stupid ones, after all you pay the debt back - go for it, mug!
2010 - year of the troll
Niddy - Over & Out :wave:
0 -
never-in-doubt wrote: »I'd say people like you are actually the stupid ones, after all you pay the debt back - go for it, mug!
I think that is a truly shameful comment. I am obviously a mug.0 -
never-in-doubt wrote: »That's where you're wrong, they have not been signing at all thus unenforceable....;)
As for calling people stupid, I think you're bang outta order. That is your opinion which should be kept inside, who are you to call everyone stupid? They are not stupid, more astute.
I'd say people like you are actually the stupid ones, after all you pay the debt back - go for it, mug!
Pardon me...the resident fool has spoken so we must all obey.
1. I called 'some' people stupid. I mentioned no-one in particular 9although you fit the bill perfectly).
2. You call me stupid for paying my debts. If there were more honest people like me and less idiots like you that condone dodging bills then maybe this mess would never happen.
3. You say i am outta order (gangsta aswell as a fool), by calling some stupid and you do the same.
Maybe your mum should bar you from the internet for a while.
You do realise that people here just laugh at your pathetic way of putting your point across.
I have yet to read a post by you that has any substance or credibility.
The sound of your own voice must ring in your ears each time you attempt speech.
It's no problemI think that is a truly shameful comment. I am obviously a mug.
Someone with N.I.D's limited intellect would never see that.
Don't forget, he is a professional 'dole ight), so has little better to do. Just post here in between his self abusing sessions 0 -
just wanted to throw my two penneth in....
What about those of us that enter trust deed's IVA's or bankruptcy?
I always thought that that was fairly responsible of me to stop worrying myself to death about all the debts that I couldn't repay and pay into a trust deed that would eventually pay off all my debts at a much reduced rate.
Oh and if you're interested my PPI which I paid a fortune for never paid out when I lost my job because they claimed that as I was a student I didn't qualify, I then got hauled up infront of the fraud squad at the job shop hours before the final exam for claiming benefits despite the fact that the course I was on was tuition paid only, no bursary or grant. Oh and I failed by the way.....any wonder.0 -
never-in-doubt wrote: »
I'd say people like you are actually the stupid ones, after all you pay the debt back - go for it, mug!
What a disgraceful attitude, calling somebody stupid and a mug because they paid their debts. What a vile person you are, your parents must be really proud of you.0 -
Same Old, Same Old :rolleyes:
These threads always degenerate into a slanging match. Why ??
Fact is, there is a possibility that pre-April 2007 debts could be unenforceable on legal grounds. This is fact, not disputed.
For those suffering financial hardship and excessive threats or demands from DCA's this is a tool that can be used to make life easier.
This again is fact, some people object, some don't, but it is there and is a tool that can be utilized to attack debt situations.
If you don't agree with this cause of action, then that is fine, that is your personal moral stance.
Why people have to get so uptight when it is discussed is beyond me :rolleyes:0 -
So what has happened to the days when CONSUMERS were repsonsible for their finances instead of laying the blame at the feet of the banks.
If some people are that STUPID to borrow beyond their means then this is not the banks fault.
A consumer still has to sign on the dotted line.
Funnily enough, I thought that was the idea behind credit checks - that the bank actually checked the consumer could afford it, rather than just assume.No Longer works for MBNA as of August 2010 - redundancy money will be nice though.
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards