Signed credit agreement

ILW

auto-man wrote: »

I am sat here laughing at the contractitions on this thread. So you say that we hide behind a loophole right?

What the hell do you think bankruptcy, IVA etc is? Its a bl00dy loophole !!!!!!! Are you people really that thick that you don't see we're taking the mick cos you're too thick to actually stop us! :rotfl: :rotfl:

Bankruptcy etc are valid procedures to help those who cannot repay debts. Trying to get a debt written off due to a full stop being omitted on an agreement is another matter.

auto-man

BoGoF wrote: »

No thanks, if I wanted diddy's advice I'd pop over to la-la land :j

not diddy, he's busy I said Niddy!

:rotfl: :rotfl: :rotfl:

auto-man

ILW wrote: »

Bankruptcy etc are valid procedures to help those who cannot repay debts. Trying to get a debt written off due to a full stop being omitted on an agreement is another matter.

NO!

Utilising the law is exactly the same but its called unenforceable.

*bang head against wall. Its like talking to children!

There is NO difference between UE, BR, IVA - None! Nothing. Nada. Zero. Nothing.

Accept it, jees/ :rotfl:

BoGoF

Was it 2 bottles of meths tonight....:beer:

ILW

endora wrote: »

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.

And most would agree that it is wrong.
Same goes for "getting off" paying ones dues due to technicalities.

ILW

auto-man wrote: »

NO!

Utilising the law is exactly the same but its called unenforceable.

*bang head against wall. Its like talking to children!

There is NO difference between UE, BR, IVA - None! Nothing. Nada. Zero. Nothing.

Accept it, jees/ :rotfl:

I would suggest that BR etc only come into play when a debtor has shown they cannot afford to pay. UE holds no such distinction between cannot pay and do not wish to pay.

ILW

auto-man wrote: »

Do you want me to ask Niddy to come here to do that for you :rotfl: :rotfl:

He prefers his own site where they just spend all day agreeing with each other and blaming "the banks" for everything.

auto-man

ILW wrote: »

I would suggest that BR etc only come into play when a debtor has shown they cannot afford to pay. UE holds no such distinction between cannot pay and do not wish to pay.

right you're starting at the court stage. Back-peddle.

We're talking the average person, gets in debt and then goes BR - who foots the cost? Us, the taxpayer.

or

The average person, gets into debt and then stops paying and considers utilising UE - who foots the cost? Them, the bank.

Ok, so now we have two examples you seem to think (based on previous posts) that it is acceptable for customer "A" above to go BR, because it is an option within refinancing. Agreed?

What about "how" he spent the cash? What I never told you is this....

Customer A had a gambling habit and liked to be flash so borrowed thousands to fund this lavish lifestyle and then when the bubble burst, he simply went BR walking away from all his responsibilites.

Customer "B" on the other hand, bless. Poor soul, he has 5 kids and worked at the huge steel-mill down the road, has done so for over 30 years and suddenly he got hit by a drink driver. Its ok, he had PPI.
Ooops, the bank rejected his claim due to a technicality within the policy, many moons ago when he was 10 he had a minor operation (Grommits) and this was undeclared so they refused his claim.
Poor example "B" now has a huge loan, he's off sick and then as a result of the stress he's had to be retired due to ill health.

That, now changes everything.

So get off your high horse, smell the coffee and stop being such idiots and bullies to the debtors that exist. You are no better and I really hope one of you get made redundant this year then see you come greeting about it - I will take great pleasure in laughing in your face.

Bunch of self centered bullies that don't actually appear to have a scrap of brain to rub together! :mad:

auto-man

ILW wrote: »

He prefers his own site where they just spend all day agreeing with each other and blaming "the banks" for everything.

He prefers the better site you mean. :beer:

Even to look at the forums, they are worlds apart. Cheap n tatty MSE vs Niddy's haven :T

auto-man

I'm off back to the best debt forum in the UK

Self wallow in your own pity PITA's