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Having your Debts written off - Has anyone heard of this?
Comments
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kats9lives wrote: »They haven't tried yet
I wonder why, they are maybe just waiting to see if you get scammed before they give it a go.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
anniehanlon wrote: »I wonder why, they are maybe just waiting to see if you get scammed before they give it a go.
Its not because they are waiting for me to get scammed first - its because like me the loan they have is with the same company they hold their current account with inc overdraft. If we choose to persue having the debt written off there is concern they would close our accounts and demand having the overdraft paid off - which i can't afford to do!0 -
IWantToBeFree wrote: »How about paying the loan back? Surely the fact that you freely spent the money means that you accepted the terms and conditions of the loan?
Also, you can do this yourself for a £1, you'd be a fool to pay anyone to do it for you.
I accept it have freely spent the money - however if people are managing to get their debt written off.....then why shouldn't i? after all - my mission like most is to get debt free, and if this is a way of doing it with out any further implications to my credit history then why not?
Like claiming back late fess and PPI - people knew what they where signing up to and should have known when payments where due and the cost they would incure for not paying on time..........but many have been succesfull so why not. The banks make too much money as it is! and with the current credit crunch if theres a way of clearing your debt then do it!0 -
kats9lives wrote: »I accept it have freely spent the money - however if people are managing to get their debt written off.....then why shouldn't i? after all - my mission like most is to get debt free, and if this is a way of doing it with out any further implications to my credit history then why not?
Like claiming back late fess and PPI - people knew what they where signing up to and should have known when payments where due and the cost they would incure for not paying on time..........but many have been succesfull so why not. The banks make too much money as it is! and with the current credit crunch if theres a way of clearing your debt then do it!
Dont worry about the "bleaters". Full of morals and no knowledge. You do what you feel you have to do.I am a former Broker, former IFA and former compliance officer, for my sins.
However, I have since seen the light.0 -
Dont worry about the "bleaters". Full of morals and no knowledge. You do what you feel you have to do.
Morals are suddenly a bad thing are they? :rolleyes:
And as for no knowledge, wrong!! Understanding the arguments and the rules are one thing, agreeing with them quite another.
If you're going to have a go at the "bleaters" as you so charmingly call them, at least get it right.0 -
Dont worry about the "bleaters". Full of morals and no knowledge. You do what you feel you have to do.
Interesting analogy that ......."bleaters". It's exactly the same word that could be used to describe those who have happily spent money loaned to them in good faith and are now whinging about having to pay it back and looking for an easy way out. :rolleyes:0 -
Morals are suddenly a bad thing are they? :rolleyes:
And as for no knowledge, wrong!! Understanding the arguments and the rules are one thing, agreeing with them quite another.
If you're going to have a go at the "bleaters" as you so charmingly call them, at least get it right.
Morals are fine, I should have put misplaced morals.
The rules are law. The same law for the lender and the borrower alike.
By your argument the law is fine as long as it suits the lender.
It does not work like that. Thank God!I am a former Broker, former IFA and former compliance officer, for my sins.
However, I have since seen the light.0
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