Starting my DMP on 1st Feb... Anyone want to join me?

Professor_Pat_Pending

tedsd wrote: »

Hi All, I wasn't thinking about not paying it back but using it if the creditor won't accept my DMP....ie it's not enforceable so BACK OFF (Littlewoods, Crap One....)

I agree, having thought about it, you guys are right, if they play dirty then the CCA route maybe the only option. Fight fire with fire.

mamajojo

tedsd wrote: »

Hi All, I wasn't thinking about not paying it back but using it if the creditor won't accept my DMP....ie it's not enforceable so BACK OFF (Littlewoods, Crap One....)

We've probably already paid back what we've borrowed with the outragous interest over time, esp in our case with mbna:mad:
:rotfl:Your signature Teds!:rotfl:

mamajojo

pure_dead_dopey wrote: »

Morning All

I think the statute barred thing is when you have not acknowledged the debt for 5 years in Scotland and 6 in England. I think it applies to those people who tend to move a lot and have lost touch with creditors etc, I'm afraid in that respect we're all truly b####### as we have been and are paying so we are acknowledging the debt, unless anyone feels they could hide for the next 5/6 years?? Let me know where/how and I'll come too.
The CCA thing is is to d with wether or not they have a proper signed agreement, if they don't I think you don't have to pay it but they will still try to get you to, so mainly I see it as a way to get a cheaper full and final. Prof this sits better with the paying back what we owe as you will be just less some of the huge amounts of interest they have added on. Have I got this right or am I away with the fairies???

Sorry you are making perfect sense so no day off with the fairies for you PDD!
Mmmm hiding for 6 years that'd be the caribbean for me I think...

pure_dead_dopey

oooh can I come??? we could eat coconuts off the trees and just chill..................

true27

pure_dead_dopey wrote: »

oooh can I come??? we could eat coconuts off the trees and just chill..................

I'm up for that!! Think how skinny we'd get living off coconuts? Bikini bodies in no time :rotfl: plus we'd be minted coz coconuts are free :j

pure_dead_dopey

yup, small problem getting there, with approx 2/6d between us plus all the others will want to come too I imagine, we could get a boat??paddle the boat???what about a flock of hang gliders? you lot with the little ones are going to need pretty robust hangliders with all the tinies hanging off, my huge DS will have to get his own, he'll need a bit for the gf as well and my ickle DD will need her own too, do you think we should just stay andpay, might be simpler???

Rhian82

mamajojo wrote: »

We've probably already paid back what we've borrowed with the outragous interest over time, esp in our case with mbna:mad:

Absolutely - we owe MBNA a lot, but for years what we've paid has only been the interest which was around 30%!! :mad:

true27

pure_dead_dopey wrote: »

yup, small problem getting there, with approx 2/6d between us plus all the others will want to come too I imagine, we could get a boat??paddle the boat???what about a flock of hang gliders? you lot with the little ones are going to need pretty robust hangliders with all the tinies hanging off, my huge DS will have to get his own, he'll need a bit for the gf as well and my ickle DD will need her own too, do you think we should just stay andpay, might be simpler???

NO!!! We build a raft!! I've seen Castaway, I know aaaallll about rafts!!

mamajojo

true27 wrote: »

NO!!! We build a raft!! I've seen Castaway, I know aaaallll about rafts!!

:rotfl::rotfl::rotfl::rotfl:

pure_dead_dopey

OMG!!!!! Do we have to???