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Sub Prime Credit Thread Part II

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Tigerite wrote: »
    Happy birthday Proliant, and fairmom try not to be down, it'll be for the best in the end, I'm sure of that.

    My BMI card arrived today :j £1500 credit limit, had to ring them up to activate it and they tried to flog me the payment protection and "free" access to Experian for a year - at £59.99.. not sure how that equates to free, but anyway?

    Just got to spend £250 now in the next 90 days to get a free BMI business flight :T

    Oooo. You could buy me a ticket to New York. :D
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    sutton111 wrote: »
    How is that possible?

    I find it quite bizarre!

    Sutton, where have you been - there's loads of debates on it lol. Basically, if you took out a credit agreement before May 2007 I think, there's a high chance that the lender no longer has the original agreement that you signed. So say I owe £10k to Barclays. I write to them and say "prove to me that I owe you £10k - I want to see a copy of my signed Consumer Credit Agreement (CCA). Barclays then fanny asses around and 8/10 times they don't have it. So then I say, well if you can't prove it I'm not paying it back. If a lender can't prove that you signed up to the agreement then it makes it unenforceable. However, it doesn't clear the debt - it just means that it can't be enforced. So it still screws up your credit rating.

    People tend to be in 2 camps - you borrow it and you pay it back, or you can't prove it so I'm not paying you. Guess which camp Mr P is in, and which one Mr Rocket is in lol


    Hope everyone is well. Fairmorn, sorry to hear about your job - that blows. Mind you, you're in quite a specialised industry so should new work be ok to pick up? K, congrats on the RBS removal. Only 1 default left to deal with now!!
  • louiser123
    louiser123 Posts: 1,248 Forumite
    sutton111 wrote: »
    How is that possible?

    I find it quite bizarre!

    sutton its alover the boards!!

    ooh your not ageing are you?? maybe loosing your ability to surf around as fast!1:rotfl: :rotfl:
    self confessed 80's throwback:D
    sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Fairmorn, what line of work are you in
    ?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    louiser123 wrote: »
    sutton its alover the boards!!
    What is? Do I smell gossip! :eek:
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    louiser123 wrote: »
    sutton its alover the boards!!

    ooh your not ageing are you?? maybe loosing your ability to surf around as fast!1:rotfl: :rotfl:


    :rotfl: :rotfl:

    :o It's not a senior moment!! :rotfl:

    I live on this theard and the Current account boards. :o

    I've been reading up on it now. I'm pretty sure there was a programme, Panorama I think on about this.
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    Yeah, there was a programme a while back on Panorama.

    lol you should explore some other boards Sutton. I'm loving Quick Grabbit While You Can. That, and of course the Wedding Board :D
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Hey Sam, hows things at work?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    PROLIANT wrote: »
    Hey Sam, hows things at work?


    Don't ask!!! I'm trying to stay awake til Midnight to see if I get paid or not lol.

    I'm on my hols next week, so I think I'll see how the land lies when I get back!

    There's quite a few of us unhappy at the mo, so I think there will be a riot if we don't get paid tomorrow!

    Happy Birthday! Did you get any nice pressies??
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    You know Sutton, Louiser looks really young on her FB pic. I would have thought that she was in her 30s
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