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Default and company gone into administration

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  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    DCFC79 said:
    As I said before goodbye
    Just because they are in administration for irresponsible lending it doesnt mean they did the same to you, by all mean lodge a complaint but be prepared fod a no, very least see if you can get the markers removed.
    yes no harm in trying, the markers are what are important not neccesarily compensation
    Why should they remove something that’s an accurate representation of account behaviour and handling?
  • adamp87
    adamp87 Posts: 897 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

  • adamp87 said:
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

    Amen.  it just shows how sad the persons life actually is
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    adamp87 said:
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

    I was offering advice.

    I realise the truth is hard to swallow for some, but such is life. 
  • adamp87 said:
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

    I was offering advice.

    I realise the truth is hard to swallow for some, but such is life. 
    Didn't look like 'advice' more like judgement which is rightly so IMO against forum rules.

    Are you looking to get banned (AGAIN!!)
  • sourcrates
    sourcrates Posts: 31,435 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 31 August 2020 at 7:48PM
    adamp87 said:
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

    I was offering advice.

    I realise the truth is hard to swallow for some, but such is life. 
    When giving advice, it helps greatly if one has some kind of empathy with the person who is seeking it, that’s all you need.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    adamp87 said:
    Trolls?

    You mean people with a correct and moral view on life?
    Why do you insist on coming into such threads if you don’t agree & being ultimately unhelpful and then seen by others as troll worthy? 

    OP came in asking for advice, yes you may not agree but if you’ve nothing to help then don’t comment would be the easier option. We could of course have a whole discussion on morality of banks and creditors too on the flip side.

    It does remain that many companies pray on those in poor circumstances & do continue to lend when they shouldn’t. It’s possible OP may or may not succeed with a complaint. 

    I was offering advice.

    I realise the truth is hard to swallow for some, but such is life. 
    Telling someone to just pay a debt, or to just accept a problem can’t be rectified, is akin to telling the man on the ledge to Just jump, you have no empathy with the people you are dealing with, you cannot simply judge everyone by a moral code, life is not that simple.
    So telling someone to pay what they owe is wrong?
  • i dont owe a penny to anybody, hence the 4 years debt and gambling free comment???????
    digging yourself a hole
  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    i dont owe a penny to anybody, hence the 4 years debt and gambling free comment???????
    digging yourself a hole
    No, I’m not the one in the hole buddy
  • i dont owe a penny to anybody, hence the 4 years debt and gambling free comment???????
    digging yourself a hole
    No, I’m not the one in the hole buddy
    making yourself look silly , go and try some easier prey, you got the wrong person here pal
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