Credit Card & Loan Balance's Wipped Clean !!!

smiler03

PROLIANT wrote: »

....you don’t deserve credit you are irresponsible and greedy selfish people.[/COLOR]

And the lenders were never irresponsible and greedy for giving credit to somebody who could ill afford it?

Sounds like "banker speak" to me!

smiler03

bethanyrayne wrote: »

Come on guys all chip in...we all have to pay so that danielleybelly can get out of his/her financial troubles and we can get deeper in. danielleybelly thinks this is right so his/her children can have shiny new toys and she/he can get a new Hi Def TV.

You know it makes sense, at least danielleybelly thinks so.

It's posts like this that have made me lose faith entirely in these forums. It seems those of you who can and are repaying your debts are the only righteous people in the world. You make me sick. I'll just continue to read Martin's :money: words of wisdom now and not bother with sanctimonious pious so-and-sos who have never made mistakes in their financial lives ever.

Don't bother replying, I won't read it.
:mad:

smiler03

One last final post.. if you scroll up this window just a bit and look right you will see the following words....

Forum Etiquette

Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

piglet74

smiler03 wrote: »

One last final post.. if you scroll up this window just a bit and look right you will see the following words....

Forum Etiquette

Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

im not just talking about this post, but its true, theres some really sarkey, smart a$$ comments left on some peoples posts, some people only asking / giving advice, its awful!

Paul_Herring

Can you really dodge your debts? [Guardian - Sat 29th Nov]

Credit Issues has only been trading since late July. It charges an initial £450 - plus £150 for each subsequent credit or store card or personal loan agreement - after which it considers whether the agreement is legally binding. So someone with one loan and four cards would pay £2,050. If the claim is successful, customers pay a further £1,000. But so far the track record of this and other claims handlers, is not over-impressive.

"We've had more than 4,000 applications," Lipson says. "So far we have settled two successfully - we got one lender to write off £2,962 while another cut a £5,000 to £2,000. But it is early days, as it can take six months to get all the paperwork together. We fast-tracked these two cases."

:rolleyes:

HSBC now refuses to deal directly with claims handlers, although it will discuss debts with individuals. It says: "HSBC has had very little contact from these so-called claims management agencies and we do not, as a matter of course, recognise their validity or their claim to represent our customers. As always, if someone finds themselves in financial difficulty, their first course of action should be to contact their lender or a debt advisor."

A second major credit card company told Guardian Money that it has received more than 6,000 applications from claims handlers and it has refused to pay on any of them.

Barclaycard, which was unable to state how many claims it had received, points borrowers to the alert from the Ministry of Justice and the Office or Fair Trading. This warns that consumers "should think very carefully before committing themselves to making claims and handing over hundreds of pounds in advance to do so, even where refunds may be promised if the claim is unsuccessful".

ShelfStacker_3

danielleybelly wrote: »

Can't say i have been living it up just a single parent providing for my 2 children.

Because that excuses everything.

Neillgb

Paul_Herring wrote: »

Can you really dodge your debts? [Guardian - Sat 29th Nov]


:rolleyes:

Yes, one and a half out of 4000 is an excellent success rate.

I strongly advise people seeking to avoid paying their debts to sign up.

Neillgb

smiler03 wrote: »

One last final post.. if you scroll up this window just a bit and look right you will see the following words....

Forum Etiquette

Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

What about being 'nice' to posters that consider it appropriatte to pay their debts and are, justifiably, conserned by the possibility that their interest rates will be raised to pay for the 'nice' people that seek to avoid paying their debts by immoral means?

ShelfStacker_3

Neillgb wrote: »

What about being 'nice' to posters that consider it appropriatte to pay their debts and are, justifiably, conserned by the possibility that their interest rates will be raised to pay for the 'nice' people that seek to avoid paying their debts by immoral means?

The thing is, a lot of people take "be nice to other posters" as "nobody can be criticised for anything, even when it's their own doing", so they go around expecting people to think the evil bank is doing xyz because it's big and mean and the sun shines out their backside, when in actual fact they are the cause of their own problems.

Sad, but true.

Geenie

I think the people who are using loopholes to get out of paying their debts are possibly going to regret it one day when no one will lend to them. The banks and CC companys are now talking to each other apparently, and sharing information on customers, probably stuff we would never have access to on regular credit history sites.

A short term gain could lead to long term pain, as the Rankines found out.