Managed to get 2 defaults removed from my credit, just one CCJ to go... need some advice on strategy

Willing2Learn

!!! wrote: »

Oh the bank have acted unfairly?

Nothing to do with OP willingly not paying off the O/D all these years or making contact with the bank to arrange a payment plan or explain their situation?

But that’s OK, because it was the bank that’s being unfair.

I never said the bank acted unfairly. I was merely suggesting to the OP that they need to explore whether there is any evidence to support a potential claim of unfairness of charges. After all, the OP said they "need some advice on strategy".

xlnc99

TurningANewLeaf wrote: »

Thanks!


I'm willing to bet most people seeking advice will concede they've made mistakes, sometimes BIG mistakes, but they come on here EXACTLY because they acknowledge they've made mistakes and now want to turn things around. So they don't need this sea of judgmental, sanctimonious clowns, who seem to derive pleasure from other people's misery. And what's more, half these jokers don't even know what they're talking about! If ITV ever need a replacement for Jeremy Kyle, they could do worse than picking out one of these sneering fools.



I bet if I'd come on here BEFORE I'd got my defaults removed, the advice would have been "you didn't pay your water bills, so they were totally in their rights to issue those defaults, so pay up, you were in the wrong and forget about getting those defaults removed. You haven't got a prayer". If I'd got enough of those kind of negative comments, who knows, maybe I wouldn't have even tried.



There are better forums to get advice, where you don't have to put up with this sanctimonious BS. They might not have as much traffic, but at least you can get expert legal advice without this level of sneeriness!

100% agree with everything you said. For me ive only joined a couple of months ago and i feel like there even though their are genuine people in this forum, most want you to fail. They hate it if you get a CCJ removed or default removed etc. Maybe jealously or who knows.

You ask for advice, and most say, 'nothing you can do' ;wait till it drops off your credit file' etc etc Very few on here actually root for you.

That being said, there are defo people on here with good knowledge as ive read tons of threads that have given me so much information. Generally when you need advice you get all the negativity

boo_star

xlnc99 wrote: »

Thats my point, its not the creditors fault someone is made redundant or suffers some personal circumstances not allowing someone to pay their debt. So the creditors should show some sort of empathy if it happens.... but more often then not they dont. They just want their money. You are entering a contract but no-one can see the future, no-one knwos what happens.

IF you have the means to pay then yes 100% pay and if u dont then u deserve what you get. Thats not the point im trying to make

I completely disagree.

If creditors "just want the money" then they wouldn't agree to repayment plans, they'd insist on their required repayments and refuse anything else.

Working with debtors is in the creditors interest but there are limits. Something a lot of debtors don't care about.

TurningANewLeaf

Willing2Learn wrote: »

I do not disagree with you. I was just annoyed with the way sassy-one passed judgement. If there is evidence that the bank acted unfairly and not in accordance with guidance, then the OP has the right to test whether the charges should be allowed to stand.

When the Ombudsman takes a look at the bank charges, I trust they will view the case objectively. With regard to the overdraft, the only important rules and guidance that the OP needs to be guided on, are whether:

• they were in genuine financial hardship
• the charges were disproportionate
• the account was stuck in a cycle of fees/charges from which they could not escape

Thanks, that's actually very helpful, as opposed to some of the hateful messages other long standing members of this community are spouting. I'm not even going to respond to them directly any more, they barely know a thing about my personal circumstances yet still feel they are in a position to pass judgement on me, and in some in some cases they are even inferring some very serious criminal allegations of fraud, harassment and blackmail, when nothing could be further from the truth.


I have never, NEVER committed a criminal offence, I just want to make that clear right now.



I also believe that every person has the right to defend themselves (within the bounds of the law) in the best way possible.



If one was a defence lawyer, then it is your duty to give your client the very best defence you possibly can (within the bounds of the law). The moment you stop giving your clients the best advice possible is probably the moment you should hang your wig and gowns up and find something else to do. And I think the same could be said of here.



I'm pretty sure these forums weren't created for the benefit of the huge corporations, they exist for the benefit of the consumers, the little man (or woman), yet I see people here time and time again siding AGAINST the little man, and in some cases actually hoping that the little man will lose, and in effect CHEERLEADING for these huge corporations who incidentally wouldn't spit on them if they were on fire. I bet they vote for the bloody Tories too.



It's just not cricket.



It's a real shame what's going on in these forums. It actually feels good to help your fellow man out in times of trouble, one or two people here should try that once in a while.

boo_star

TurningANewLeaf wrote: »

Thanks, that's actually very helpful, as opposed to some of the hateful messages other long standing members of this community are spouting. I'm not even going to respond to them directly any more, they barely know a thing about my personal circumstances yet still feel they are in a position to pass judgement on me, and in some in some cases they are even inferring some very serious criminal allegations of fraud, harassment and blackmail, when nothing could be further from the truth.


I have never, NEVER committed a criminal offence, I just want to make that clear right now.



I also believe that every person has the right to defend themselves (within the bounds of the law) in the best way possible.



If one was a defence lawyer, then it is your duty to give your client the very best defence you possibly can (within the bounds of the law). The moment you stop giving your clients the best advice possible is probably the moment you should hang your wig and gowns up and find something else to do. And I think the same could be said of here.



I'm pretty sure these forums weren't created for the benefit of the huge corporations, they exist for the benefit of the consumers, the little man (or woman), yet I see people here time and time again siding AGAINST the little man, and in some cases actually hoping that the little man will lose, and in effect CHEERLEADING for these huge corporations who incidentally wouldn't spit on them if they were on fire. I bet they vote for the bloody Tories too.



It's just not cricket.



It's a real shame what's going on in these forums. It actually feels good to help your fellow man out in times of trouble, one or two people here should try that once in a while.

Oh just stop, you're being ridiculous.