Halifax / Wonga repayments

DevCoder

Janie4Now wrote: »

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....

Ahh, sometimes my mean-spirited ethical side comes out (ie pay it for God's sake, you took their money). And sometimes I like to indulge in a reasoned (albeit tonight heated) debate.

I like to think I'm still one of you/DCFC79/Apples2/Meer lot thought

(excuse the people I have forgotten).

Janie4Now

krisdorey wrote: »

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?

....tomorrow.....!

Janie4Now

krisdorey wrote: »

Ahh, sometimes my mean-spirited ethical side comes out (ie pay it for God's sake, you took their money). And sometimes I like to indulge in a reasoned (albeit tonight heated) debate.

I like to think I'm still one of you/DCFC79/Apples2/Meer lot thought

(excuse the people I have forgotten).

Me, too, generally.....makes life interesting

DevCoder

Janie4Now wrote: »

....tomorrow.....!

If this thread still exists!

And it's as much a challenge to both sides, will be interesting to see how each argues the case (although in this scenario I only have one opinion )

Janie4Now

krisdorey wrote: »

If this thread still exists!

And it's as much a challenge to both sides, will be interesting to see how each argues the case (although in this scenario I only have one opinion )

Unless I get you to change your mind

MCGONIS

Is it just me? Or does anyone else feel these last couple of pages have all been written by the same person using multiple usernames?

Janie4Now

MCGONIS wrote: »

Is it just me? Or does anyone else feel these last couple of pages have all been written by the same person using multiple usernames?

How funny.....I was just thinking that exact same thing! Of course, you weren't referring to me there......;)

DevCoder

I can honestly say that unless you pair Janie and Meer up and myself and the other one (q3sition-mark?)

I am no ones alias

Janie : not too sure you want to change my mind given my previous posts

Chrissiew

Sometimes posters can really try and scrape the bottom of the barrel to put others down, fraud for gods sake! Sorry if I sound really thick but isn't fraud something one does to obtain money or what ever by deception? By losing a debit card is that obtaining something by deception?

How would the bank investigate the loss of a card if they thought, as some on here have, that it was fraud? Ask me where I lost it, it was on the 6c bus, what date, 16th dec, what time, 10.35. Ok they get all the info, they speak to the bus depot, no bag was handed in, they speak to the police using the crime ref number I gave them, ( not that Halifax even asked if I reported it, but I did and would have the number should they have asked) the police tell them they have looked into it, spoke to the bus depot themselves, no bag was handed in, unfortunately the bus driver does not ask all passengers who get on their names and addresses so the police can't visit all the passengers who got on the bus the same time and after me, therefore unless someone hands my bag in there is nothing they can do.

So Halifax have wasted time and probably money on a fraud investigation they cannot prove, I don't think this would happen, unless of course I was trying to defraud the bank out of millions!

Janie4Now

q3estion-mark wrote: »

So now it's sod the facts lets be mates and stick together.

How rather sad.

Have fun wont you!

What?! We're having a discussion.....we're not enemies!