Halifax / Wonga repayments

roh999

krisdorey wrote: »

Insults are for the weak.

Yes thanks, been in the industry for 20 years now, so I guess I must have started shaving at some point.

Strange that although I disagree with my "friends" approach to this thread and probably still do question him/her somewhat that I also find he/she states the most sense when talking about fraud thresholds on an institutional level.

like i said i couldnt give a monkeys about ure job but a simple answer would have done instead of you and ure friend finding the need to see who's best and tell everyone at every opotunity you can how long youve been in the job or how high you are.

roh999

q3estion-mark wrote: »

My quarterly bonus last month was £22,000. Not bad eh?

It's also about the salary old chap.

mmmmmmmmm.strange fella.

DevCoder

meer53 wrote: »

Pipe down, how did the thread become a discussion about AML and fraud ?

If you two would like to have a debate between yourselves, carry on, while the rest of us get on with our lives.

Because I stated that a poster might want to be careful about how they report a card lost/stolen.

This was picked up, rightly so, that it would only raise further flags if further transactions were disputed which would then lead to a fraudulent flag being raised.

Point being it is stupid to claim card are lost / stolen when they are not as this raises further implications for the bank in question (ie knock on effects).

This then led to the whole "threshold" discussion on at which point a bank might investigate a cancelled card (which was not started by myself).

As stated, I've seen very few pursued but sometimes they do get pursued as a matter of making a point, thus the advice is not to lie when trying to cancel a card but be honest and consult a charity for advice such as CCCS (as mentioned in post x of my responses on this thread and indeed on a lot of threads I post on).

Janie4Now

q3estion-mark wrote: »

erm no.

The contract is between the customer and the lender. Nothing to do with the non associated third party.

Ok I'll paraphrase, I use my HBOS visa to slit a mans throat. Can his family sue HBOS or visa!

Yawn. Common sense please folks.

Good grief.....you actually thought I was serious :rotfl:

However, I AM serious about people who think it is OK to take out loans and then deliberately cancel their debit cards to stop the lender taking their payments! There will always be times when people are in genuine difficulty but the people I am referring to are those who deliberately set out to find a way NOT to pay what they owe.

meer53

q3estion-mark wrote: »

My quarterly bonus last month was £22,000. Not bad eh?

It's also about the salary old chap.

I wondered how long it would be before this appeared. How childish.

You know absolutely nothing about any of the posters here. I'd shut up now if i were you. Or perhaps you'd like to start a new thread about your salary and bonus payments ?

DevCoder

q3estion-mark wrote: »

My quarterly bonus last month was £22,000. Not bad eh?

It's also about the salary old chap.

See , this is where I disagree with my "friend" as I have not had a £22K quarterly bonus nor would brag about it.

I stated my experience to lend weight to the fact I have seen this in real life for quite a number of years and therefore want to advise people on the best approach (which is rarely calling a banks bluff of lying to them).

DevCoder

Janie4Now wrote: »

Good grief.....you actually thought I was serious :rotfl:

However, I AM serious about people who think it is OK to take out loans and then deliberately cancel their debit cards to stop the lender taking their payments! There will always be times when people are in genuine difficulty but the people I am referring to are those who deliberately set out to find a way NOT to pay what they owe.

This is fraud in the ethical sense but at what point does ethics and materiality of expense over profit cross in a bank?

If you review my posting history Im with you, pay back what you owe, but Im just trying to put a banks point of view across.

Janie4Now

krisdorey wrote: »

This is fraud in the ethical sense but at what point does ethics and materiality of expense over profit cross in a bank?

If you review my posting history Im with you, pay back what you owe, but Im just trying to put a banks point of view across.

I only ever actually wanted to make the ethical point though now I think about it......

.....nope.....too tired now..... I don't earn £22k a quarter in bonus but I'm off to sleep the sleep of the righteous nevertheless....

meer53

q3estion-mark wrote: »

I'm being facetious in response to their idiotic jibes. My income is quite irrelevant

So why bring it up ?

DevCoder

My OH has just asked why this would not be theft.

Theft I believe is the intention to permanently deny someone what is rightfully theirs.

So I would argue that a cancelled card to avoid a payment is not theft but is surely beyond deception.

I remember the IOU in a bank safe scenario not being allowed in court as theft as the person was not permanently denying the right of property (in this case money).


As for the fraud point.

Two scenarios (and yes Ill go to bed after this!)

1. The person has no intention of paying the lender back from the outset and thinks cancelling the card will solve this
2. The person gets into problems pre pay day and cancels the card.

Which is fraud and how do you prove it?