Credit Issues Limited

sombrero

To sum up this company makes their money from the £450 it charges clients for offering a service that they can easily do for themselves.

greystonesben

gomer wrote: »

Cue nothing. I don't have to tell you any of my business full stop.

No you dont, but my point being that someone with a legal or financial background is more likely to be able and willing to do this themselves, so your view is a little somewhat bias.

greystonesben

~Brock~ wrote: »

Would you have a problem if he was in the financial industry? Would you prefer that we didn't have a financial industry? Would you prefer that we went back to bartering for goods and services with goats?

Get real man, and realise that your 'industry' is nothing short of parasitic, and has no interest in actually genuinely helping consumers, despite what the adverts may imply.

I have no problem if he was in the industry, my point has been made in my above post.

Please explain Brock how making someone financially better off is not helping them? I appreciate it is obviously not your cup of tea, hence the parasitic comment, but this doesnt mean it is not for the next man or woman.

greystonesben

sombrero wrote: »

To sum up this company makes their money from the £450 it charges clients for offering a service that they can easily do for themselves.

To sum up, you are a troll. Repeating yourself doesnt make what you are saying any less wrong.

~Brock~

greystonesben wrote: »

Please explain Brock how making someone financially better off is not helping them? I appreciate it is obviously not your cup of tea, hence the parasitic comment, but this doesnt mean it is not for the next man or woman.

This whole business is a lottery. You pay your £1 (for a copy of the agreement) and hope to strike lucky.

Anyone can do it. The entry ticket costs just £1.

I could, however, choose to pay you £450 to purchase a lottery ticket on my behalf. If I win the jackpot I will also have to pay you 25% of my 'winnings'. Plus VAT. Hmmmmmmm, now let me think about that.:think:







































Ok, I've thought about it. Would you mind if I politely decline your kind offer. It's just that I am financially better off by not taking it.

greystonesben

~Brock~ wrote: »

This whole business is a lottery. You pay your £1 (for a copy of the agreement) and hope to strike lucky.

Anyone can do it. The entry ticket costs just £1.

I could, however, choose to pay you £450 to purchase a lottery ticket on my behalf. If I win the jackpot I will also have to pay you 25% of my 'winnings'. Plus VAT. Hmmmmmmm, now let me think about that.:think:

OK, I've thought about it. Would you mind if I politely decline your kind offer. It's just that I am financially better off by not taking it.

Flaws in your above statement...

1) Its hardly a lottery, if comparing it to the lottery, then you would receive a substantial proportion of your £1 back if you didnt 'win' (Around 89p in fact). Obviously the lottery do not do this.

2) I would be surprised if the average Joe knew what he she was meant to look for (considering there can be so many versions of this) and what to do when the bank comes back and challenges what he/she has found.

3) CI do not charge a 25% back end fee. God knows where you have got that one from?!

And to boot, clearing existing debts is hardly the same as entering a competition which is classed as gambling is it? Generally (unless you are an addict) you never tend to gamble with things where you cannot afford to lose the amount you are putting in. Steaking a quid on the lotto is a bit of fun, most people realise they will never win.

druss

Now now brock :-p

There is a niche for companies to help out, although credit issues seem to be a little expensive.

There is a guy on the forum who will take them on for free, but is limited to the type of agreement he will look at, (loan, must have ppi lump sum of 2k or more and you must have a copy of the agreement).

And to the poster who said they underestimated the abilty of the great british public, I think he's over estimated the ability to be bothered doing it themselves.

Horses for courses there is room for all.

Please Brock do not tell everyone how easy it is, cause its not!

It may be easy to get a copy of your agreement(even the lenders are making that difficult though) but most people would not know where to start in looking for the flaws.

They can go to the CAG forum and get advice and chase and write to the lenders directly, they can then appoint themselves as their own advocates and start court proceedings against the lender without getting a solicitor involved.

BUT WOULD YOU WANT TO?

If the answer is YES great go for it, theres plenty of people on here and CAG who are happy to offer advice, me being one.

If you would prefer to have a company do all the chasing and have a proper solicitor do all the work and take the case to court you need to decide how much that service is worth to you.

I dont really like people touting openly on the forum so will say this:-

There are companies charging less than Credit Issues,

Liberty Claims
Monster Claims

to name a couple take a look everyone is different!

or just use google google is your friend.

sombrero

Greystonesben

The positive thing about you responding is that anyone researching this issue can see they can easily do the work and it will cost £1 and they dont have to be ripped off to the sum of £450.00.

You and your company are dealing with people in a terrible financial situation and yet you chose to take advantage of their circumstances.

Shame on you.

~Brock~

greystonesben wrote: »

1) Its hardly a lottery, if comparing it to the lottery, then you would receive a substantial proportion of your £1 back if you didnt 'win' (Around 89p in fact). Obviously the lottery do not do this.

Of course it's a lottery. You request a copy of a credit agreement and 'hope' that the lender cannot provide one. In other words, a game of chance. Otherwise known as a lottery.

greystonesben wrote: »

2) I would be surprised if the average Joe knew what he she was meant to look for (considering there can be so many versions of this) and what to do when the bank comes back and challenges what he/she has found.

There are plenty of free resources available on the internet to help average Joe. It is mildy amusing that you are trying to justify your case on just such a resource.

greystonesben wrote: »

3) CI do not charge a 25% back end fee. God knows where you have got that one from?!

That appears to be the typical rate charged by firms operating in this industry. If CI doesn't charge that amount then I apologise, although I assume that they will get their pound of flesh somehow.

greystonesben wrote: »

And to boot, clearing existing debts is hardly the same as entering a competition which is classed as gambling is it? Generally (unless you are an addict) you never tend to gamble with things where you cannot afford to lose the amount you are putting in. Steaking a quid on the lotto is a bit of fun, most people realise they will never win.

I have never 'steaked' a quid so I can't comment on how much fun it might be. Sounds pretty dangerous to me (and possibly illegal in certain American states).

I still stick by my comparison with the lottery, especially after your comment that most people realise that they will never win.;)

druss

sombrero wrote: »

Greystonesben

The positive thing about you responding is that anyone researching this issue can see they can easily do the work and it will cost £1 and they dont have to be ripped off to the sum of £450.00.

You and your company are dealing with people in a terrible financial situation and yet you chose to take advantage of their circumstances.

Shame on you.

Great Ill give you my credit agreement and 11 quid and you tell me what the flaws are and take it to court for me ... thanks