Credit Card Missmanagement?

Terry_Towelling

Fair enough, LobsterMemory. I'll withdraw the word 'probably' and remove the question about whether I was being judgemental because, obviously, I was. Apologies to anyone offended.

Take care with your own judgements, though because you really don't know how close I have been to the situation described in the OP and referring to anyone as being 'crap with credit' is also passing judgement.

For balance, as a student, I liked to view available credit on my card as 'savings'! - so I was as big an idiot as you are.

WantSome

I guess none of us are on this forum because we've never had financial difficulties or problems with debts.

Terry_Towelling wrote: »

It doesn't matter who is the main character in the story (as you put it) and, as you seem to be quite well up on the detail, why don't you get the 'guilty party' to write a letter to the CC company allowing you to be the contact point? That's easy.

As mentioned, the CC company has insisted that the person acting on behalf of the card holder must have legal power of attorney and has stated that a letter giving permission to act as intermediary is not adequate.

I only labored the point of not being the card holder because one or two posts had asked what had been purchased and if anything could be returned or sold to help settle the debt.

Terry_Towelling wrote: »

Almost certainly the 'guilty party' is not having any trouble managing the payments but they are 'trying it on' again (and why not? - it worked before).

Untrue, and unkind.

LobsterMemory wrote: »

3/ It may be that there are completely understandable reasons why they messed up again the second time. To be fair, I can't think of any that don't stretch incredulity but who knows? Not me, not you

Denial and naivety I think. Avoiding a problem and hoping it will go away. Being human and making mistakes.

agrinnall

WantSome wrote: »

I guess none of us are on this forum because we've never had financial difficulties or problems with debts.

Not true at all, perhaps many of the people asking the questions are in that position, but most of those providing the useful anwers are able to manage their credit without getting into any difficulty at all.

Kentish_Dave

WantSome wrote: »

I guess none of us are on this forum because we've never had financial difficulties or problems with debts.

I’ve never had problems with debts, no, but if I did have I genuinely can’t imagine trying to blame someone else for it, that’s pretty low, and your friend should be genuinely ashamed if they really don’t take responsibility for their actions.

It’s in the same ballpark as blaming an assault victim for having worn a short skirt. In short, no, the credit card company were not “asking for it”.

WantSome

Kentish_Dave wrote: »

It’s in the same ballpark as blaming an assault victim for having worn a short skirt. In short, no, the credit card company were not “asking for it”.

I'm just really not sure where you get this from. If my explanation has suggested that the card holder wants to blame someone else for their issues then that was my mistake. Although i did say they were aware they had been stupid and naive. The card holder IS trying to resolve the issue and is after suggestions as to HOW. I think it's a little extreme to be accusing them of being some kind of credit card rapist.

I will go and edit the post to make it clearer.

And my comment regarding being on this forum due to having difficulties or needing advice was in response to the previous two posters who had discussed being in similar situations to differing degrees.

Which means at least 2 other people on this thread beside the card holder of the original post have been in difficult situations of their own making and, by your yardstick, are also credit card molesters.

Terry_Towelling

WantSome wrote: »

As mentioned, the CC company has insisted that the person acting on behalf of the card holder must have legal power of attorney and has stated that a letter giving permission to act as intermediary is not adequate.

Odd. I have acted as intermediary with a CC company (and a legal firm) solely on the basis of a 'letter of authority' signed by the cardholder. Either things have changed, or this card company has different requirements.

No matter, that doesn't help the 'guilty party's' plight.

If the same arrangements as last time were to be put in place, would the 'guilty party' be able to keep up with payments then?

Chrysalis

The one time I had a similar arrangement (my first cc with lloyds tsb 2 decades ago) they never reactivated the card, that seems to me highly unusual, as obviously the bank wouldnt trust you if you had to go on a repayment plan.

But the answer is unless your circumstances have changed significantly for the better to refuse to reactivation.