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Unenforceability & Template Letters III
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Just had another phone call off Barclaycard.:mad:
That's 2 in the space of 18 hours,
Mate - send this asap: Legal Threat - Harassment by Telephone
2010 - year of the troll
Niddy - Over & Out :wave:
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This thread was about posting “facts” if people come on here and post bull***** “I” have a right to counteract those comments if they're misreading.never-in-doubt wrote: »Lets get rid of some of the !!!!!!? Yea?
I may come back here once those who decide to troll vanish!Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
I may come back here once those who decide to troll vanish!
Mate don't let it get to you, you can see it's p!ssed me off no end as well but why let the minority ruin it for the majority?
I've PM'd the people in question and asked them to quit, if it carries on this thread will be closed before the end of the day and the first 2 pages of templates will be gone!
I'm not having a Troll Fight on my own bloody thread! I've invested way too much time and effort for that!
See you later tonight mate - have a beer and calm down, don't let them get to you - let's move on yea? :beer: 2010 - year of the troll
Niddy - Over & Out :wave:
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As the question has been asked, i'll do the decent thing and answer it, diplomatically and honestly. Hopefully then, if anyone else wants to know "under what circumstances would someone want to question the enforceability of a debt, other than to dodge it" we can link back to this post.
Lets not dwell on it, lets not quote it, lets just leave it and those that want an answer, can refer to this and have their answer.
I'll list 2 examples, of why someone may wish to pursue unenforceability;1. The Debt-Dodger
This will be someone that has got themselves into debt, for whatever reason and has seen the coverage on the news etc and thinks they can just follow this process and walk away, debt free.
Its not true nor is it that easy! You can never walk away. There are always consequences, such as Default Entries being registered against you, possible CCJ's, possible Charging Orders, Fraud Indicators the list goes on. A debt dodger is not welcome on this thread. We will not give them the time of day, they are easy to spot and if you have a spare week check the first ever thread I done (from page 1, post 1) and you'll see there were a few there - they all came unstuck when they started to get default notices!2. The Last Resort
This will be someone that has tried everything, they are paying Peter by taking from Paul and their outgoings far exceed their income and they may be considering an IVA or Bankruptcy.
In this situation, the debtor may have been in a great job or whatever, they then lost that job and could no longer afford their liabilities. We do not judge, we all make mistakes. Therefore, the debtor tries to speak to the lender and negotiate some type of repayment plan - maybe paying 50% per month until they find a job. Usually the lender (creditor) will say no, and sell the account to a DCA. Obviously the debtor is left scratching their head because they have tried almost everything and the lender has repaid their years of loyalty by threatening them with bailiffs or whatever.
The debtor then realises the lender is in fact using illegal bullying methods and decides to fight back. They therefore attempt unenforceability for a couple of reasons, mainly to get them off their back - some normality, as such. But secondly as a little revenge. You'll find almost every person I help on here has tried to negotiate in some way prior to posting up here - but when they keep hitting a brick wall, what do you expect?
The above examples, though not exhaustive, are the main two reasons that someone may decide to "question the enforceability of a debt, other than to dodge it"
I trust this question has now been answered - lets move on, yea? 2010 - year of the troll
Niddy - Over & Out :wave:
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never-in-doubt wrote: »Mate don't let it get to you
Hello Nids, we give up our free time and knowledge to assist others, it !!!!es me off no end when the trolls come along and try to disrupt what we're doing, plenty of forums on the net for trolls, as my final comment on the subject, please leave this for the purpose it was created for.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
never-in-doubt wrote: »Mate - send this asap: Legal Threat - Harassment by Telephone
Nice one NID, I'll get it sent off over the next day or two.0 -
never-in-doubt wrote: »As the question has been asked, i'll do the decent thing and answer it, diplomatically and honestly. Hopefully then, if anyone else wants to know "under what circumstances would someone want to question the enforceability of a debt, other than to dodge it" we can link back to this post.
Lets not dwell on it, lets not quote it, lets just leave it and those that want an answer, can refer to this and have their answer.
I'll list 2 examples, of why someone may wish to pursue unenforceability;
1. The Debt-Dodger
This will be someone that has got themselves into debt, for whatever reason and has seen the coverage on the news etc and thinks they can just follow this process and walk away, debt free.
Its not true nor is it that easy! You can never walk away. There are always consequences, such as Default Entries being registered against you, possible CCJ's, possible Charging Orders, Fraud Indicators the list goes on. A debt dodger is not welcome on this thread. We will not give them the time of day, they are easy to spot and if you have a spare week check the first ever thread I done (from page 1, post 1) and you'll see there were a few there - they all came unstuck when they started to get default notices!
2. The Last Resort
This will be someone that has tried everything, they are paying Peter by taking from Paul and their outgoings far exceed their income and they may be considering an IVA or Bankruptcy.
In this situation, the debtor may have been in a great job or whatever, they then lost that job and could no longer afford their liabilities. We do not judge, we all make mistakes. Therefore, the debtor tries to speak to the lender and negotiate some type of repayment plan - maybe paying 50% per month until they find a job. Usually the lender (creditor) will say no, and sell the account to a DCA. Obviously the debtor is left scratching their head because they have tried almost everything and the lender has repaid their years of loyalty by threatening them with bailiffs or whatever.
The debtor then realises the lender is in fact using illegal bullying methods and decides to fight back. They therefore attempt unenforceability for a couple of reasons, mainly to get them off their back - some normality, as such. But secondly as a little revenge. You'll find almost every person I help on here has tried to negotiate in some way prior to posting up here - but when they keep hitting a brick wall, what do you expect?
The above examples, though not exhaustive, are the main two reasons that someone may decide to "question the enforceability of a debt, other than to dodge it"
I trust this question has now been answered - lets move on, yea?
Thank you Niddy - you are a gentleman. :beer:0 -
Hello Nids, we give up our free time and knowledge to assist others, it !!!!es me off no end when the trolls come along and try to disrupt what we're doing, plenty of forums on the net for trolls, as my final comment on the subject, please leave this for the purpose it was created for.
And many people thank you for the time and effort people like you put in to help us :T:T:T
please don't let a few idiots spoil it:eek:PROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
wow is this the best and friendliest place to post a link to a scanned CCA for guidance on whether its enforecable. I have my own thread and put it on there about half hour ago but perhaps would be best to put it in here?
thanks0 -
OHNOANOTHERDFW wrote: »wow is this the best and friendliest place to post a link to a scanned CCA for guidance on whether its enforecable. I have my own thread and put it on there about half hour ago but perhaps would be best to put it in here?
thanks
Just post a link to your thread 2010 - year of the troll
Niddy - Over & Out :wave:
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