Why the negativity towards not paying

izools

I would say there are a lot of individuals that don't have to take ruthless actions, rather it is the banks' own actions that leave them penniless.

As I referred to in my post earlier; I was in a position a few years ago where I could not meet the contractual obligations on my credit accounts despite my best efforts. I offered what I could reasonably afford and some rejected my offers. I continued to pay anyway. I then proposed an IVA but I didn't get the 75% approval, so I was left with no choice but to declare myself bankrupt. For one simple reason - my creditors refused to take all the money I could afford and I was offering it freely at the time. Their choice!!

Moochy

Hello I have just joined as I am hoping to find out more about writing off my crippling credit card debt. Someone mentioned that you can use a template to write to the credit company to get your agreement, I would be grateful if someone could point me to this please as I had trouble locating it. Many thanks.

PinheadSK

I believe this is the thread you're looking for, courtesy of n-i-d...

http://forums.moneysavingexpert.com/showthread.html?t=2060575

Sean

never-in-doubt

PinheadSK wrote: »

I believe this is the thread you're looking for, courtesy of n-i-d...

http://forums.moneysavingexpert.com/showthread.html?t=2060575

Sean

LOL, cheers but me thinks the last post is a joke - well some sort of joke (if that's what it's called) :rotfl: :rotfl:

JimCha18

PinheadSK wrote: »

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

i think apart from the 1 person who posted that, everyone in this debate agrees!

People who are giving people advice on unenforceable, like NID, stay away from people like that.

My comments were aimed at people who put all circumstances in to 1 category and judge.
Anyway

ILW

It would be intersting (but impossible to find out) what percentage of claimers fall into the "cannot pay" as opposed to the "do not want to pay" categories. I would guess at leat 75% the latter, mainly due to claims companies. I get at least 2 recorded messages a day.

ManicMum

Just wondered if the OP could lend me some money? Then I won't pay it back. This country is literally and morally bankrupt.

sillystudent_2

never-in-doubt: 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

Fair enough never-in-doubt, perhaps I owe you an apology for being overly argumentative it seems we were arguing from different sides of the same coin lol, as I agree completely with what I've just quoted you on!

I think I automatically assumed you were arguing from the 'welching camp' because you seemed to be agreeing with the OP, who really does give all the honest write-off people a bad name - not bothering to pay back money not because he doesn't have the money, but just because he 'doesn't use the stuff anymore.' :mad:

Anyway, I think I'll take a back-seat in this thread from now on and see how the arguments pan out

Rupert_Bear

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?

Based on the above would you then think of yourself as a parasite.

Because there are people like yourself getting out of not paying this is why the interest rates are so high. It is people like you who are ripping the rest of us off.

mufc689908

ERICS_MUM wrote: »

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 ?

If you insist upon acting the clown I suggest you post elsewhere