Credit Card Agreement response recieved....now what?

~Brock~

Apexeus wrote: »

Cheers for the updates, i shall get that letter written and sent off. We shall see what happens.

To respond to another post; Although i am not in huge financial difficulties at present, i am currently un-employed. I took out a loan and credit card knowing i had more then enough cash to pay everything off. A few years later, the job ended, leaving me in a big mess.

I have written to Lloyds letting them know about my situation and asked them, nicely, to put my debts on hold for a few weeks while i get myself sorted.........they declined and effectively told me i was stuck until i missed some payements. So, if i can get out of any debt with them, i will do. It's great though eh? They run into trouble, they get what they want straight away (billions from the government that is), but we, their customers run into trouble, they tell us to !!!! off.

Have you any idea just how ridiculous your situation looks based on the contents of your signature file?

This is the same bank that you claimed mis-sold you PPI and you got a £2700 cash lump sum? Now you are unemployed and looking for a way out of paying your debt to the same company............using some sort of warped justification that it is all their fault. Why dont you pay the debt out of your £2700 windfall or have you already spent that?

I take it that when you cancelled your PPI you didnt bother to sort any alternative out?

mabski

~Brock~ wrote: »

Have you any idea just how ridiculous your situation looks based on the contents of your signature file?

This is the same bank that you claimed mis-sold you PPI and you got a £2700 cash lump sum? Now you are unemployed and looking for a way out of paying your debt to the same company............using some sort of warped justification that it is all their fault. Why dont you pay the debt out of your £2700 windfall or have you already spent that?

I take it that when you cancelled your PPI you didnt bother to sort any alternative out?

have you got anything usefull to add ?

never-in-doubt

~Brock~ wrote: »

Have you any idea just how ridiculous your situation looks based on the contents of your signature file? ?

Hello stranger :beer:

I'm staying well out of this one lol :rotfl:

Have a goody xmas won't you mate

:xmastree:

~Brock~

never-in-doubt wrote: »

Hello stranger :beer:

I'm staying well out of this one lol :rotfl:

Have a goody xmas won't you mate

:xmastree:

Hehe - hello mate.

I normally stay out nowadays but this one beggars belief......

All the best to you too :santa2:

jamesey07

good luck and hopefully you won't have to pay them a penny back i like to see other like minded people on here as myself

michael1983l

I can understand people wanting not to pay these debts, but morality has to come into it at some point and you taken out the card and spent the money. They have not fiddled you in any way so why do you deserve not to pay that back. The only outcome of this is either the tax payer will foot your bill or the other customers because the banks won't foot the bill believe me, so why do you think we should pick up your tab?

I agree with bank charge claims as they are extortionate and it is money that the claimant hasn't spent. They have also paid interest on the money these charges were levied on so I agree to claim them back entirely.

never-in-doubt

michael1983l wrote: »

I can understand people wanting not to pay these debts, but morality has to come into it at some point and you taken out the card and spent the money. They have not fiddled you in any way so why do you deserve not to pay that back. The only outcome of this is either the tax payer will foot your bill or the other customers because the banks won't foot the bill believe me, so why do you think we should pick up your tab?

I agree with bank charge claims as they are extortionate and it is money that the claimant hasn't spent. They have also paid interest on the money these charges were levied on so I agree to claim them back entirely.

Apart from the obvious contradiction in your post you're way off the mark.

Read the above post (#9) and you'll see:

1. The losses come off their profit - no offence but why would I believe you when they are the facts?

2. Morals do not stand for anything in a court of law.

:D

michael1983l

The banks make steady profits, they increase interest rates on loans and increase charges to recoup these types of losses as seen at the moment. 9% loans yet the base rate is 0.5%. You are truely naieve to think the cost isn't passed onto the other customers and it is this type of attitude that has gotten us all into this mess in the first plce. Why pay when somebody else can whilst I take as much as I can get.

never-in-doubt

michael1983l wrote: »

The banks make steady profits, they increase interest rates on loans and increase charges to recoup these types of losses as seen at the moment. 9% loans yet the base rate is 0.5%. You are truely naieve to think the cost isn't passed onto the other customers and it is this type of attitude that has gotten us all into this mess in the first plce. Why pay when somebody else can whilst I take as much as I can get.

No - I told you how it works - live with it! Naivety has nothing to do with the fact that the cost of small debts is deducted from the annual profits and does not constitute the rates offered to savers. My god you'd have to be utterly doooopid to believe such !!!!!!.... :rotfl::rotfl:

It is not 'this type of law' that 'gotten us into this mess' at all.... yet again, you're way off the mark! Sub prime lending and the lack of available sharing of finance between banks is what 'caused this' - not unenforceable credit card claims :rotfl:

You need to step back and read the news my son ;)

michael1983l

Where's the shaking head in disbelief smiley.