Should we apply again?

rizel23

Dave_Ham wrote: »

Quick Few Questions:

In your world of hiding behind "legal contracts"

Is a phoney home insurance fraud ok (I mean nowhere in the t & c's does it preclude "accidents on purpose" in the accidental damage section

What about if you go out for a meal and they forget to leave the bill on the table - do you leave without paying as it was their fault?

What about if a neighbour does a bit of cash in hand work and a punter drops the payment through your door?? He should not be doing cash in hand work in any case, so all bets off yes?

What about a car crash - you have a pain in your neck, do you go to hospital and et it defined as whiplash or soldier on?

You know what I swore I would stay away from this thread (and I bet J did too) but I would have had more respect if you just came on and said I thought I would try it on, their slip up and I thought I was going to save £2k rather than this other garble...

Given this experience and your time again, would you have just paid the debt you owed or gone through this fable all over again?

I think your comparisons are well out of line for my current situation, again its not a moral issue, its a legal one, there's no point in legislation if its not followed, IMO accepting the defaults and paying them when defective is as bad morally as than not paying them out of spite.

I would gladly do the same again, in fact i would probably have acted quicker in this case as soon as a 'Notice of Assignment' was received last July, i have learnt a lot.

If i simply did not want to pay any debt back i would not be in a position to even consider applying for a mortgage would i, i have 2+ years of perfect credit, that alone should show this is not a case of simple refusing to pay what is allegedly owed.

Thrugelmir

Dave_Ham wrote: »

Have you actually read any of thread?

I was hoping you was going to be all over this, almost looking forward to your retorts and thought we may actually agree..

Come on have a proper read - you will be horrified...

I have. None of which comes as any surprise DH. Merely trying to debate the issue on a public forum in an adult manner. In the hope that other people don't think that being "clever" will actually be of benefit in the longer term.

The_J

rizel23 wrote: »

I'm glad your happy sat at work looking at your shares replying to my thread, you must be busy. You'll be pleased to know that the tax from your hard work goes to towards my .gov pension, so many thanks :-)

I have never asked for advise on dealing with defaults (as you can tell I know a thing about consumer law) i just bided my time as to when I should challenge them to increase my chances of having them removed fully and see nothing wrong with that.

I did however ask for advise on if i should apply for a mortgage in our current situation, if it means waiting another 6-12 months then thats fine, holiday and larger deposit will be the goal

Cute, you're 29 and think you'll get a government pension :rotfl:

Your attitude stinks though, you are just a nasty nasty person.

GMS

You have not explained how you ever got to a position of defaulting in the first place. Did you deliberately not make your contractual payments with the intention of going for the unenforceable debt route or was there a genuine reason you fell behind?

Thrugelmir

rizel23 wrote: »

If i simply did not want to pay any debt back i would not be in a position to even consider applying for a mortgage would i, i have 2+ years of perfect credit, that alone should show this is not a case of simple refusing to pay what is allegedly owed.

Wrong. By not paying the debt to contractual terms. The lender will mark your account history as being in arrears. The removal of the default notice is only one factor.

The longer you are in arrears for. The worse any credit score will become in terms of a mortgage application.

In terms of obtaining a mortgage you'll need to clear the debt. So you are well and truly heading up a blind alley.

rizel23

The_J wrote: »

Cute, you're 29 and think you'll get a government pension :rotfl:

Your attitude stinks though, you are just a nasty nasty person.

It seems you know little about .gov pensions either by the sounds of it, again your giving out financial advise, I'm very worried for the general public yet again.

Sticks and stones, pick a fights with people you have a chance of winning against in the first place, little chance here unfortunately.

Back on topic please...

rizel23

Thrugelmir wrote: »

Wrong. By not paying the debt to contractual terms. The lender will mark your account history as being in arrears. The removal of the default notice is only one factor.

The longer you are in arrears for. The worse any credit score will become in terms of a mortgage application.

In terms of obtaining a mortgage you'll need to clear the debt. So you are well and truly heading up a blind alley.

Thank you for your advise, but currently the default(s) is the only thing i need to currently address, i have credit card account with 3 other providers, 2 store cards, 2 overdrafts, 2 mobile phone contracts all with perfect payments over 2+ years and very low balances (which i clear every 3 months), so i would presume it won't be long till my good credit out ways the bad, its over 2.5 years old now.

But time will tell, like i said there's no immediate rush, if we get a mortgage now then fine, if later than just means more of a deposit.

rizel23

GMS wrote: »

You have not explained how you ever got to a position of defaulting in the first place. Did you deliberately not make your contractual payments with the intention of going for the unenforceable debt route or was there a genuine reason you fell behind?

I was not asked, till now

Yes i had illness that set me off work for 6 months, in such time i started reading and studying aspect of consumer law and took things from there. Its not like i have gone and spent 10K and trying not to pay anything back because i don't have it, i simple put in motion legal arguments i had learnt, my filing cabinet is as such full now with responses, i kept everything as evidence is king as we all know and find out

The_J

rizel23 wrote: »

It seems you know little about .gov pensions either by the sounds of it, again your giving out financial advise, I'm very worried for the general public yet again.

Sticks and stones, pick a fights with people you have a chance of winning against in the first place, little chance here unfortunately.

Back on topic please...

You earn nothing, you want to live in a !!!! 120k house, you've managed to save 13k in a minimum of 6 years of working. You think a holiday is something magical. You are a zero. A total failure. No wonder you were attracted to government where you can hide away and make nothing of your life. No wonder you think you are billy big !!!!!!!! taking on a bank for a measly 2 grand. Just an odious individual and everything that is wrong with this take take take country.

The fact you see your government pension as something to look forward to is typical of your ignorance. I haven't got the time, nor you the intellectual capacity, to make you understand the argument.

Thrugelmir

rizel23 wrote: »

i have credit card account with 3 other providers, 2 store cards, 2 overdrafts, 2 mobile phone contracts all with perfect payments over 2+ years and very low balances (which i clear every 3 months),

Then you totally misunderstand how lenders credit scoring systems work. "Perfect payments" have minimal value to a lender as its the very least that they would expect.

Lenders take datasets from the credit agencies and apply their own algorithms depending on the product you are applying for. This determines your suitability for a given product. Over the past 6 months the tightening of underwriting criteria has been severe. As yet there's no sign of a let-up.