Sainsburys underwriter loses the plot

DCFC79

KingElvis wrote: »

Noun1.pokey - a correctional institution used to detain persons who are in the lawful custody of the government (either accused persons awaiting trial or convicted persons serving a sentence)

Thanks, never heard of pokey used before,

KingElvis

Tixy wrote: »

Could - not will. Exceptionally unlikely for a consent order. Especially in these circumstances and considering you have children.

Nothing wrong with a stretch, free meals, no bills, you get to pick up the soap?

BugsyBrowne

KingElvis wrote: »

Nothing wrong with a stretch, free meals, no bills, you get to pick up the soap?

Playstation, sports activities, free TV license, Free gym membership, Free Diploma & GCSE courses, Free tradesman courses.

KingElvis

BugsyBrowne wrote: »

Playstation, sports activities, free TV license, Free gym membership, Free Diploma & GCSE courses, Free tradesman courses.

Well then....lock me up today.

antrobus

rawlings135 wrote: »

yes that is right and in this case a consent order was drawn up! on the end of signed consent order it states if I do not comply with the order I could face a prison sentence.

Yes. You've been divorced. You've gone for a 'clean break' arrangement, and the court has issued a consent order. If you don't comply with the consent order, you could be held in contempt of court, and you can be imprisoned for contempt. But what does the consent order actually say?

loubel wrote: »

Did you actually take legal advice on the Consent Order before going to court?

Which is a very good question.

Experian_company_representative

Tricky one this. I'm assuming the joint loan is the only financial link? So the financial link is hurting your credit rating, which is in turn stopping you from breaking the financial link by transferring the joint loan to a new individual loan. I don't think we could break the link even in light of the court settlement. Perhaps you could add a note to your report explaining the situation and then try another lender altogether? If you'd like us to review your report to see if there's anything else we can do, please send your details in via the email address on my MSE profile/user CP.

James Jones

opinions4u

rawlings135 wrote: »

yes that is right and in this case a consent order was drawn up! on the end of signed consent order it states if I do not comply with the order I could face a prison sentence.

Call me radical if you like, but did it cross your mind to see if you could renegotiate the loan before signing the consent order?

AlexLeigh

There never has been "blacklisting", it's a term which was used because some firms used to keep their own "blacklists", but there was never a generic list.

You should write to Sainsburys and ask them to deal with the matter. Otherwise refer it to the financial ombudsman.

The "Going to prison" part is a worse case scenario scare tactic and would never happen for this arrangement. Even people to write off their entire debt by declaring bankruptcy would never go to prision! There are people who commit terrible financial offences and don't go to prison and this is hardly in the realms of fraud.