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Bankruptcy should not be for life - Your support is needed!
Comments
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Tobiwan_Kenobi wrote: »You know how to spell - Priceless!!! :rotfl::rotfl::rotfl:
Well if you're going to accuse someone of ignorance, at least try to make an effort with your spelling/grammar or you'll just make yourself look like a fool.
Although your post isn't much more intelligent.....did you have anything to add to the argument?"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
CitySlicker wrote: »I have given an example of the comparison websites and also named Budget specifically. The prices are increased if anyone is bankrupt and living at the property.
I have no intention on wasting time debating this matter with someone so clearly intent on 'trolling', so I leave you with a thought. Your life may seem perfect now. If however you become bankrupt, or your wife/husband/partner does, or your children, or a lodger, you will understand the importance of this thread. And if your children become so ashamed of bankruptcy and hide the problem from you because of your arrogance, let's hope you never have an insurance claim. The London Gazette is routinely checked for anyone who has been bankrupt at any time, so your son or daughter who may have hidden it from you for several years could invalidate your claim of several thousand pounds for underpinning or major structural work.
Things may seem rosy and it's easy to take the moral high ground when you think it doesn't affect you and you are so polarised.
The point I would leave others with is there is simply no benefit in further debate on this matter with mrcow, it does not serve any purpose to the original opening post, so I am choosing to leave further incitements to be ignored.
I've thanked you because you offered an answer to the question I asked.
The rest of your post is just emotional rhetoric though.
And because I disagree with you, I'm taking a "moral high ground"? Sheesh. You have issues.
People are allowed to disagree with others you know!"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
Morethan would
And Tesco and Direct Line
I can't really be bothered to go through any more as it's a bit time consuming, but I'm trying to work out what difference it actually makes in real terms and how it would make such a difference as indicated in the opening post.
I never said no insurance company would insure you. In fact, I never mentioned insurance at all. Many insurers will not insure you (or you may discover at a later stage you were never insured). Cityslicker's post above sums up the problems anyone can have just by having a bankrupt living with them.0 -
CitySlicker wrote: »
.I find much of this to be unfair and unfounded. For instance, the bankrupt I'm assisting right now is a far safer risk post bankruptcy than pre bankruptcy
That isn't uncommon - no argument.
.In a position of finance, I would sooner invest in a person who can demonstrate a savings cushion than someone with a dozen credit cards running up reckless shopping bills but who has never been bankrupt
But the key word is 'choose'. If I invest in a business or individual I want to know everything so I can make an informed choice. Atm I'm investing in a business with a couple who may or may not be forced to file for bankrupcy (personal debt). I trust them, they have been honest about their problems. I just feel being a bankrupt is a piece of financial information that should be disclosed - but it should drop off the radar after a time, I don't know whether 6, 8 or 10 years. At that point it's hardly current or relevant any more.
But whether you're black, white, gay, straight etc isn't financially relevant. Being bankrupt is relevant (subject to the above proviso). Banks can't discriminate on the basis of sex, religion etc but can discriminate on the basis of perceived damaged financial track record. They may want you as a customer or not, and it will probably impact lending criteria, rates offered, limits etc. The bankrupcy is relevant.I find your comment about rules being rules just bizarre. A lender cannot ask if you are gay or black for instance as this is illegal discrimination. They cannot make rules up as they go along. If legislation is passed saying they must not ask the question, then they must not ask the question!
That's my two cents worth. What I don't like is ....... the impetus for this thread is from those who support those who consider/are bankrupt, but don't jump on everyone who doesn't feel exactly the same as you.0 -
I never said no insurance company would insure you. In fact, I never mentioned insurance at all. Many insurers will not insure you (or you may discover at a later stage you were never insured). Cityslicker's post above sums up the problems anyone can have by having a bankrupt living with them
As for
Oh please.
"Oh please" what? Please do answer?
The reference to insurance companes comes from post #25. Feel free to read it."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
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yellowmonkey wrote: »Indeed they are but perhaps this is not the thread to do so.
ym
Why not?
The opening post was posted up for debate."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
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Mrcow, please tell me again where its my fault? My partner left (not my fault, he just found someone else), I got made redundant from an extremely well paying job (not my fault, company had no work coming in), I couldn't sell my house (not my fault, the housing market crashed). I have had no credit for well over a year and tried every way possible to try and get out of the financial mess but have been driven to consider BR due to a massive shortfall in the mortgage - oh sorry, you mean the house price slump is my fault? Got it now - anything else you want to blame on me? Global warming (I've got battered old car rather than a new one) or child delinquency (well I am a single parent so suppose I'd better send the kids out to rob & steal!)?
For me, bankruptcy is NOT a first choice and is NOT seen as a quick and easy fix. It is the last resort of myself and many other folks who have tried every other means possible to get themselves out of a situation not always of their own making.
Right, I'm off to play with my wonderful daughter who makes me realise I am not as worthless as some people would like to make me believe I am!BR 08/06/09 ED 10/03/10BSC member 2500 -
Lightattheend wrote: »Mrcow, please tell me again where its my fault?
This discussion is not about fault.
Or about you personally.
I've in no way said that it is either - so I am confused as to why you have taken the time to get yourself all worked up on a Saturday night and then addressed that post to me?
I'm glad your going to go and play with your wonderful daughter. It will do you some good. Have a nice evening."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0
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