Signed credit agreement

pure_dead_dopey

the debt charities are more or less powerless and are funded mostly by the big banks

so do you think they put the needs of their debtor clients first or the need to secure sufficient funding to keep their jobs for another year?

do you think people who are in debt are all daft and dodgy?

do you think the financial sector are kindly do gooders only in business to look after their customers?

I think you need a crash course in research, read through the DFW board, read a few home truths that happen every day and then have a good think about who is downtrodden here.

You might even have LBM

ILW

pure_dead_dopey wrote: »

utter absolute rubbish, no comparison at all

how misguided are you?

how is that a comparison?

do you honestly think money is as important as lives? you are a very sad individual

On your point that the law is the law and slightly incorrect paperwork is a valid way if avoiding consequenses the comparison is totally valid.

If on the other hand you believe the spirit of the law is more important, then the entire UE industry would never have happened.

pure_dead_dopey

do you honestly believe that the banks and the DCAs abide by the letter of the law?

BoGoF

pure_dead_dopey wrote: »

do you honestly believe that the banks and the DCAs abide by the letter of the law?

If you care to tell us actually what law they are breaking then maybe we could answer.

endora

ILW wrote: »

Would you feel the same about people that get away with drink driving, purely because the officer missed out a tick box on the charge sheet.

A copper gets a bollocking and a dangerous driver gets another chance to kill someone.

But it's the law so all OK.

First you need to understand the difference between CRIMINAL law which is what you're referring to above and STATUTE law which is what we're discussing here. There are very substantial differences between the two, however, even criminal law has loopholes. The criminal equivalent of unenforceability is inadmissible evidence, i.e. when allegedly the police didn't follow certain procedures to obtain evidence, be it physical evidence or a testimony - and many criminals do walk when the evidence against them is deemed inadmissible. Like it or not, that's the way it works.

BoGoF

Unenforceable.......Inadmissable.....

Tomatoes....tomatos

It's still people getting off on a technicality

ILW

pure_dead_dopey wrote: »

do you honestly believe that the banks and the DCAs abide by the letter of the law?

I believe the spirit and intention of the law is more important than the letter.

endora

jonnyd281 wrote: »

It smacks more of won't pay to me, what about the debt charities, they help come to an arrangement if you can't pay.

Is paying £1 or £5 a month REALLY that much better than not paying? The debt never gets cleared that way, only purpose it serves is to keep it from getting Statute Barred so that in 2, 5 or 10 years time the company you had an arrangement with can sell it to someone else who may well decide to take you to court. So you basically spend the rest of your life having to worry about your debts rather than 6 years... just so you can say you're doing the right thing and boast about it on a forum where no-one knows who you are anyway! :rotfl:

jonnyd281

endora wrote: »

Is paying £1 or £5 a month REALLY that much better than not paying? The debt never gets cleared that way, only purpose it serves is to keep it from getting Statute Barred so that in 2, 5 or 10 years time the company you had an arrangement with can sell it to someone else who may well decide to take you to court. So you basically spend the rest of your life having to worry about your debts rather than 6 years... just so you can say you're doing the right thing and boast about it on a forum where no-one knows who you are anyway! :rotfl:

Yes, at least you are paying something towards the debt.

endora

BoGoF wrote: »

Unenforceable.......Inadmissable.....

Tomatoes....tomatos

It's still people getting off on a technicality

Yes, the legal world is full of technicalities. Fact. Nothing you can do about that so why does it bother you so much?

This isn't a legal discussion forum, it's a consumer help forum. You may want to try Legal Beagles to discuss the finer points of the law.