Why the negativity towards not paying

RobertoMoir

never-in-doubt wrote: »

This is a defeated argument before it starts. I am obviously one of the main instigators of the do-gooders as I pro-actively seek to help people get their debts written off any way possible whether that be unenforceable due to prescribed terms or via another hidden loophole.

I do not owe a penny either - no figure?

Two main points here:

1. The do gooders forget to realise that !!!!!! happens, i.e. in a good job, have a high mortgage and loans etc then get redundant.
2. The banks are 100% at fault. If they prepared and lent properly then they would not be in such a mess.

Basically, the consumer has done nothing wrong other than utilise their right under an act that was passed in parliament. So do-gooders, tell me - what is wrong with that exactly?

You know I don't have a problem with having invalid debts declared invalid, and I quite accept that sometimes bad things happen to good people to derail their plans and again no problem there, but on the other hand neither do I like people wilfully running up debts they have no intention of paying from day one.

Maybe I just thing both "sides" should be honest in all their dealings.

never-in-doubt

RobertoMoir wrote: »

You know I don't have a problem with having invalid debts declared invalid, and I quite accept that sometimes bad things happen to good people to derail their plans and again no problem there, but on the other hand neither do I like people wilfully running up debts they have no intention of paying from day one.

Maybe I just thing both "sides" should be honest in all their dealings.

Hiya Roberto - yes, I know your stance on this and you know I am the same, I agree to this sentiment, wholeheartedly mate. I am anti welcher, that's no secret and similarly, I don't go near people that have had help from a claims company.....

My bottom line is that those that deliberately get in debt with the sole purpose of doing a runner need to be caught, these are the real people giving the whole 'write off' a bad name.

Lets not even get started on the fact that a lender sells a debt for as little as 8p in the £1 - so who pays this then, one asks? (to ILW) ....

ILW

never-in-doubt wrote: »

Hiya Roberto - yes, I know your stance on this and you know I am the same, I agree to this sentiment, wholeheartedly mate. I am anti welcher, that's no secret and similarly, I don't go near people that have had help from a claims company.....

My bottom line is that those that deliberately get in debt with the sole purpose of doing a runner need to be caught, these are the real people giving the whole 'write off' a bad name.

Lets not even get started on the fact that a lender sells a debt for as little as 8p in the £1 - so who pays this then, one asks? (to ILW) ....

Fair point, but that was not the topic of this thread.

Norfolk_Jim

never-in-doubt wrote: »

Why? Have you? Would you? Could you?

Do tell

Now that would be telling - but for sheer entertainment value this thread is priceless so far, I just though it could do with a second string to the bow.

never-in-doubt

ILW wrote: »

Fair point, but that was not the topic of this thread.

Ahh but you're questioning the integrity of the banks losses and this is a valuable and relevant fact that should be borne in mind.... going on the future of this thread

JimCha18

A couple of posts on this thread keep emphasising to NID about people having no intention of paying their debts - YES AND HE DOESN'T TOUCH THEM WITH A BARGE POLE!

If you actually read through his threads you will see that he gives advice for people who are in bad situations through no fault of their own.

A common example of this is if someone has missed a payment due to lack of funds and difficult circumstances they find themselves in, they get defaulted on their credit history. The default then stays on their credit history for 6 years. The banks do not take into account the situation the customer finds him/her self in, they just simply default them.

Now, what is so wrong with taking action against the banks when a default is the worst that a bank can do? The customer has nothing to lose, and as a result of the banks sheer ruthlessness, they are the ones that lose out.

that sounds like JUSTICE to me!

System

My God this old argument gets more boring every time it's raised.

OP: if you wanted to see an argument about enforceability / debt avoidance you should have just done a search, theres 100's of threads all with pretty much the same content and from the same members :undecided

UNDERGROUND

never-in-doubt

UNDERGROUND wrote: »

My God this old argument gets more boring every time it's raised.

OP: if you wanted to see an argument about enforceability / debt avoidance you should have just done a search, theres 100's of threads all with pretty much the same content and from the same members :undecided

UNDERGROUND

I agree it does get boring but then to those that have no interest why not walk on by and visit the next thread? Although boring, I like to separate the truth from the rants thus my presence here.

What's your excuse then? :rotfl:

(the OP created this thread quite deliberately, you have to assume for this exact reaction from the do-gooders!)

PinheadSK

JimCha18,

I think most of us are well aware of the extremely good advice n-i-d gives to those that need it... however, have a look at Post #10 on this thread... now tell me that's not either a trolling post or an attitude of I can pay, but I'm not gonna! It doesn't indicate for one minute that the poster can't pay their debt. This is the approach that angers me. If you can't pay, then you need to look at all avenues, in order of priority. But that isn't how this thread started off.

I will quite happily argue with n-i-d about who does and who does not pay for write-offs. I have my view, n-i-d has theirs. It's all good - we're adults and can handle a debate. We can debate the facts and statistics all day. I have not argued about the circumstances of when someone should try for a write-off but I will argue about someone taking on a debt that they have no intention of repaying.

Sean

ERICS_MUM

mufc689908 wrote: »

Are the majority of people on here employess of credit card companies?

Whenever the subject is raised of not paying credit card debt the amount of people on here up in arms is suprising to say the least.

Im on 8k at the moment and well on the way to making that 15k written off, when the last ones taken care of that will make it 20k.

The credit card companies have been ripping people off for years why does half the forum love them so much?

Why the negativity towards not paying wages ? Are the majority of people on here employers ?

I've stopped paying wages to 8 members of staff and well on the way to making that 15, and when the last one is taken care of I will be saving 20k a month.

Employees have been ripping off employers for years why does half the forum love them so much ?