Why dont employers...?

betterlatethannever

Phil, please don't let this turn into another Sunday bank hol thing.
Your advice is invaluable, as was the advice of the others who left.
At this rate, we, who need the help, won't be able to get it.
Its your decision, of course, but please consider it carefully.

philnicandamy

Remmer I agree they do tend to hit a raw nerve & yeah you could see where the post would probably end up....but when someone comes out with a comment as good as saying they wouldn't trust a bankrupt in their own home...being accused as a thief? I don't want to be any part of this again


Would the last person left please turn off the lights and lock the door....

wherediditallgo

Given the choice between employing a BR who'd been through the debt mill, & had learned from their mistakes so that they now have a proper budget in place, pay their bills on time & have no intention of getting credit again, and employing someone with even £15k of debt who'd either become extremely adept at hiding the evidence of their debt or kept on burying their head in the sand instead of acknowledging it & doing something about it, I'd employ the BR. Making mistakes are the ways by which we learn - I can't see why I should trust the person who either didn't accept they were making mistakes or was very good at covering them up more than the person who was learning from them.

As someone who's BR, I know my finances are in a much better state now, because I've got no choice but to budget carefully for what I want & the bills have to come first, no ifs nor buts. If an employer who knows little more about BR than what they've read in the press or heard over the dinner table thinks I'm less trustworthy than the person who hides the debt well while it might even continue to increase, then it's the employer's loss not mine.

Remmer

Phil, from the original post It's a fair bet that he/she is in an unpleasant situation needing carers in her own home. The expected reply was "because we're all thieves and would take your last penny" Forget it! We've got to stay thick skinned because its going to happen again and again. If we can bring a ray of hope to just one person for every 20 of those, then I'm sticking around. and just to hijack the thread because thats what it deserves

I was in ASDA the other day buying a large bag of Pedigree for my dog, and was in line to check out.

A woman behind me asked if I had a dog........ Doh!

I was feeling a bit grumpy so on impulse, I told her no, I was starting The Pedigree Diet again, although I probably shouldn't because I'd ended up in the hospital last time, but that I'd lost 50 pounds before I awakened in an intensive care unit with tubes coming out of most of my orifices and IV's in both arms.

Her eyes about popped out of her head.

I went on and on with the bogus diet story and she totally believed it. I told her that it was an easy, inexpensive diet and that the way it works is to load your pockets or handbag with Pedigree nuggets and simply eat one or two every time you feel hungry. The package said the food is nutritionally complete so I was going to try it again. I have to mention here that practically everyone in the line was by now enthralled with my story, particularly a tall guy behind her.

Horrified, she asked if something in the dog food had poisoned me and was that why I ended up in the hospital.

I said "No..... I was sitting in the street licking my bum when a car hit me".

A day without laughter is a day wasted

Richard_S

Thanks Remmer,

That's a classic; certainly lowered the tone but lightened the mood :beer:

Rich

Broken_hearted

wherediditallgo wrote: »

Given the choice between employing a BR who'd been through the debt mill, & had learned from their mistakes so that they now have a proper budget in place, pay their bills on time & have no intention of getting credit again, and employing someone with even £15k of debt who'd either become extremely adept at hiding the evidence of their debt or kept on burying their head in the sand instead of acknowledging it & doing something about it, I'd employ the BR. Making mistakes are the ways by which we learn - I can't see why I should trust the person who either didn't accept they were making mistakes or was very good at covering them up more than the person who was learning from them.

As someone who's BR, I know my finances are in a much better state now, because I've got no choice but to budget carefully for what I want & the bills have to come first, no ifs nor buts. If an employer who knows little more about BR than what they've read in the press or heard over the dinner table thinks I'm less trustworthy than the person who hides the debt well while it might even continue to increase, then it's the employer's loss not mine.

Thats the point the bankrupt hasn't cleared their debts off they have just taken money and not paid it back by using a legal loophole. It's so annoying that I must be jealous or unhappy because I pay back the debt. I trust the person I lend a fiver to and they pay it back.

Richard_S

Broken_hearted wrote: »

Thats the point the bankrupt hasn't cleared their debts off they have just taken money and not paid it back by using a legal loophole. It's so annoying that I must be jealous or unhappy because I pay back the debt. I trust the person I lend a fiver to and they pay it back.

Bh,

You really are a bitter twisted person, (at the moment).

You've defaulted on your loans the same way we have, you just haven't got the courage to acknowledge it. Why don't you change your username, admit to yourself that you've got it wrong and let us help you get your life back?

Anybody that lent me a fiver got it back; the only people that didn't were the banks and finacial institutions that I've enriched so generously over the years.

Do yourself a favour Bh, shed your prejudice; there really is a better way. I mean this sincerely, I'm fairly certain I can imagine what you're going through at the moment, don't admit it to anybody but yourself, just post your problems with a different user name and ultimately you can be happy again.

I don't know why you're broken hearted, if it's a personal thing then we can't help; if it's financial then we certainly can. Living like a pauper might make you feel as though you can look down on people like us, but in reality you can't.

I would guess you're no longer in the "flush of youth," if you ever want to laugh again sincerely and wholeheartedly, you have to change your approach to life.

Think about it Bh; as far as we know we only live once.

Richard

user55

Broken_hearted wrote: »

As to why I wouldn't hire a BR it's a trust issue the only people I need to employ are carers and they would be virtualy alone in my home.

Whoooooooaaaa!

I am both a "caring professional" and a carer for my housebound mother. I would never ever ever, even fleetingly, consider laying a finger on a penny of anyone's money! I am in full time posession of my mother's cashcard and I use it only for buying her groceries (and her fags!) and paying her bills. In fact I am a LOT more careful with her money than she ever was.

I deeply resent your implication there. :mad:

user55

Broken Hearted, clearly you see how easy it is to fall into debt, since your signature details large sums that you are paying back. Well done on your lightbulb moment, and getting to grips with it and all.

i won't bore you with my sorry tale of how i got into debt. Suffice to say, had maybe just 1 of the reasons not happened to me, i could have been on DFW instead of Bankruptcy. But you see, in order to pay it back, there has to be sufficent surplus at the end of the rent and bills to do so. Sadly CCCS and the CAB were unable to come up with any other management plan than bankruptcy for me.

There but for the grace of God.....

wherediditallgo

Broken_hearted wrote: »

Thats the point the bankrupt hasn't cleared their debts off they have just taken money and not paid it back by using a legal loophole. It's so annoying that I must be jealous or unhappy because I pay back the debt. I trust the person I lend a fiver to and they pay it back.

First of all, the BR hasn't just "taken money and not paid it back by using a legal loophole". You know that's not true, because you've written enough on this subject already on this board to be aware of how incorrect that it is, yet you keep saying much the same thing, so I'm not going to go over the issues again. No matter how much you want to still believe it, you're wrong, & I hope it doesn't take you going BR for you to finally realise that.

Secondly, I've never said you "must be jealous or unhappy because I pay back the debt". It may be that you are that way, but not because you pay back the debt, but because you don't seem to leave yourself much room for understanding that things are rarely as black or white as you seem to see them. Life is full of uncertainties & things you can't predict, & those who judge others on the basis of something they know little about & have no personal experience of put themselves in the position where others could well do the same to them when they have their own difficulties (financial or otherwise) that they find difficult to resolve.

As for trusting the person you lend a fiver to who pays it back, if only life were that simple. God help them if you loaned them a lot more, charged interest, wouldn't listen when they had genuine difficulties that meant they couldn't afford the repayments, wouldn't come to an agreement with them about a temporary reduction in the amount, called in DCAs, went to court, got the bailiffs in & they were about to lose their home. They'd probably be ringing around left right & centre for advice (maybe even coming on this board), & after all their enquiries may end up going BR.

I'm now going to put you on "ignore". I'm not doing it because of this post in particular, but because this is just one of many that you've done where you make incorrect statements about BRs that could cause offence & a lot of pain to others. Of course, you being on 'ignore' means I won't see one of your posts where you might be asking for help with something, but that's the risk you take when you're unsympathetic & judgmental about something you don't really understand, isn't it? You did some really nice posts a few days ago, where people who've previously hotly disagreed with you were so surprised that they congratulated you on them, so it's a shame you had to ruin it now.

Like I said, I'm not going to debate the issue any further with you. If no-one else is prepared to you can either take it to the areas that Martin's suggested in his sticky or face the fact that your point will drift away without further attention. I refuse to get into arguments yet again about something I know isn't correct with someone who isn't right. Goodbye.