Signed credit agreement

auto-man

Lots of reasons

- unlawful charges
- hiking rates
- adding ppi etc
- forcing you to take action due to the above

Want me to continue?

ILW

auto-man wrote: »

Lots of reasons

- unlawful charges
- hiking rates
- adding ppi etc
- forcing you to take action due to the above

Want me to continue?

I have never had any charges (beyond agreed interest) and always borrrowed at a fixed rate.
Always declined PPI and never had a problem.
Like I said before, I stuck with my side of the agreement and the bank always honoured theirs, which is how it should work in my opinion.

Apples2

Ppi was optional (i managed to say no thankyou)
Charges were only applied when you stopped bothering to repay.

If you think you are in the right (but accept you did actually borrow money) then maybe donating the remainder of the repayments to charity would be a good thing to do. But that's not really the crusade you are on is it? You just want to avoid repaying your debts.

auto-man

Of course cos you know me don't you? Read back.

I'm all paid up.

What's that new movie called? Just been nominated for Oscar?

Muppet!

ILW

auto-man wrote: »

Of course cos you know me don't you? Read back.

I'm all paid up.

What's that new movie called? Just been nominated for Oscar?

Muppet!

So why do you think attempting to get out of repaying (on what is purely a technicality) is the right thing to do?

Peelerfart

Personally I like auto-man's posts they deflect completely, the purpose of the original post.

Which in many cases,including this one is a good thing.

I auto-man

KingElvis

I love him too, we could start a club?

ILW

Peelerfart wrote: »

Personally I like auto-man's posts they deflect completely, the purpose of the original post.

Which in many cases,including this one is a good thing.

I auto-man

The OP did post back to say they had agreed a payment plan with the lender.

Despite that some are still encouraging trying to wriggle out of it.

Peelerfart

ILW wrote: »

The OP did post back to say they had agreed a payment plan with the lender.

Despite that some are still encouraging trying to wriggle out of it.

Hopefully auto-man,like me,missed that post.

He wouldn't be happy with people paying debts back

Thanks ILW

~Brock~

auto-man wrote: »

I think they actually have a lawyer on board that takes cases on.

The same lawyers that created presedent in Harrison vs Link.

I hope that is not the same lawyer that no longer posts on CAG after having egg on his face after egging people into not paying their repayments to a particular lender, based upon the assumed outcome of a court case that he ended up losing?


The very fact that a laywer is using such a forum to pick up business would worry me - particularly as the ambulance chasing gravy train of ATE protected claims in fast track is coming to an end.

auto-man wrote: »

Believe it or not it's a very good site and has a lot more help than you give credit for. They don't promote not paying they promote your rights as a consumer that's how I read it.

I'm sorry but the site promotes the idea of paying only after every last ounce of technicality has been exhausted - even if such technicalities have already been proven to be irrelevant in court.

auto-man wrote: »

They also have a free dmp company that works exclusively for them as well if recent posts are anything to go by.

What are this dmp's staff wages paid in? Leaves?

auto-man wrote: »

All in all they're doing things these sites couldn't dream up. What happens over at Niddys site is true consumer interest. You won't find abuse like you do here.

The point that sites like that miss completely is that the Consumer credit Act gives rights to both the borrower AND the lender. Unfortunately too little creedence is given to the rights of the lender, which if dismissed as unimportant can create a dangerous imbalance in court.

auto-man wrote: »

I am only defending your mis guided claims. I also like MSE but in a different capacity.

I also like MSE - there is a healthy balance of opinion here, but also most people here have woken up to the idea that debt avoidance is pretty distasteful to society at large, and also that there is only a limited shelf life to blaming the banks for every last ill in the world. (I don't work for a bank by the way )