We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Discharge Notification
Comments
-
Ineedaname wrote: »I would not compromise myself just to appease their personal sensibilities.
If they don't play by the rules then I shall be forwarding paperwork directly to the Information Commissioner, no messing about, no grovelling. These big organisations think they can push us around and bully us into submission, but we should stand our ground so they learn we will not put up with their unacceptable behaviour.
I don't think you have done other BRs any favours at all in trying to get that company to comply in the future.
Agreed. In my case Barclays were a PITA. I wrote once, then sent a reminder. After that on to the ICO who upheld my complaint, I got the letter this week. :j
It took 9 months start to finish but no grovelling, no begging, they had to comply. 9 months might seem like a long time but when you consider my CRF is trashed for 6 years anyway it's just not that big of a deal, and honestly 3 letters are not really hard work. Fermi and the others have already done the hard work, it was just a case of:
1. Cut
2. Paste
3. Print
(can't thank you guys enough for all your help pre and post BR) :TEmpty pockets never held anyone back! Only empty heads and empty hearts can do that! ~Norman Vincent PealeBR 12/03/2010 ED 12/08/2010BSC #3380 -
I agree, but I was the one suffering.
In that 9 months, for example, you might have been prevented from getting sub prime credit. That would have been another 9 months without green ticks on your credit files. That's less time to build a track record for when your bankruptcy drops off the records. I have years of ticks now, I followed the advice on this forum, but not formal kick butt.
I used different tactics for different companies, depending on how they responded to me. I reported one group of solicitors acting as a DCA to the law society, within 7 days my info was removed. Had I taken the formal route, by your figures it would have been 9 months. I worked our from research that solicitors hate investigations by their governing body.
Can I just ask you to consider who loses out, only the one trying to clean their file up.
As for bending to their whims, well we all went bankrupt. We all made mistakes. We all lost companies money. A little humility and a humble attitude is the least we owe our debtors, seeing as we still owe them money
You might find they comply with the IC ruling, then mess it up again as a "mistake". You would have to go through the same lengthy process again.
Being right in life is only half the solution.0 -
Agreed. In my case Barclays were a PITA. I wrote once, then sent a reminder. After that on to the ICO who upheld my complaint, I got the letter this week. :j
It took 9 months start to finish but no grovelling, no begging, they had to comply. 9 months might seem like a long time but when you consider my CRF is trashed for 6 years anyway it's just not that big of a deal, and honestly 3 letters are not really hard work. Fermi and the others have already done the hard work, it was just a case of:
1. Cut
2. Paste
3. Print
(can't thank you guys enough for all your help pre and post BR) :T
Do you not think they had a right to be a PITA? If you were the one who lost money, would you not be really fed up, and want to be a little difficult?0 -
i'm not sure that a legal right to be a PITA exists:DHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
. A little humility and a humble attitude is the least we owe our debtors, seeing as we still owe them money
Works both ways....I dont see why I needed a "humble" attitude with barclays thanks to their down right nasty ways & how they continued for nearly 9mnths after bankruptcy to pursue me for a debt that had only increased from £500 to over £2000 due to added fees you name it..despite still me being an undischarged bankrupt
it really really gets my goat how people come on here saying we should be all meek & mild to previous borrowers once we're bankrupt despite what they do to people who frankly emotionally can do without the stress
and I agree with Fuzzy barclays were a major PITA with me as well...in the end they were reported for repeated hassles of a bankrupt they even decided to ignore the OR for god sake so tell me this why should I be thankful to them? I owe my creditors nothing
(and people wonder why I dont post here now anymore)We all die. The goal isn't to live forever, the goal is to create something that will0 -
i'm not sure that a legal right to be a PITA exists:D
With the greatest respect I never said they had a legal right did I?
I have always said they are wrong, every time.
As with everything in life, charm and playing the game can be more effective than getting people's backs up with butt kicking. You just need to use the right tactics with the right people.0 -
Do you not think they had a right to be a PITA? If you were the one who lost money, would you not be really fed up, and want to be a little difficult?
Well if i was working at a bank and this happens i might be a little fed up, but then again to cheer myself up all i would need to do, is look at the other side of the desk at the large pile of customer files that i am fleacing nicely.
Business is business, you take the downs with the upsHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
With the greatest respect I never said they had a legal right did I?
no you did not, but you see what i have done there is taken what you have said and extrapolated the meaning to in effect mis-quote you for comic effect.
hence the big smiley grin afterwardsHi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
I doubt anyone on here would say I was meek and mild. One justs need to know when to be charming and when to be ruthless.
You do owe then something, the money you borrowed from them.
As a bankrupt myself, I cannot be accused of taking the moral high ground because I have never been there.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards