Do a bit of research before you make snap judgements please!

Graham_Devon

Richard_S wrote: »

Trust you Toto,:D I wanted that one.:rotfl: :rotfl:

LOL. I really shouldnt have said loan. I should have said PCP instead. But I didnt wanna say I have PCP's as that leaves a little too much to the imagination!

Toto

Graham_Devon wrote: »

Yes, I can answer this one.

Without any flouncy words too.

I'm here, because I was told to come and have a look here by a fellow poster. I then saw what I saw.

There was then a thread last night about me directly with more abuse. For somewhere where your not allowed to have an opinion I find this quite weird, as you were active on this thread, with your abusive opinions and conviniently forgot the whole etho's then and loved every second of it.

At not one point did you bring what you just did up on that pages long thread, as you thought you were 'winning' as you keep putting it. I'm not here for some type of competition and have never used the word 'winning'.

As for not having an opinion, you lost the argument totally, as why are you here, doing just that? You have broken more of this boards rules in the last few days than I have rules across all the boards on the entire site.

There, answered

You have a fair point, it is wrong to direct a thread at an individual, it's also wrong to turn someone elses thread into a discussion on the morality of bankruptcy.

NekoZombie

Oggyoi wrote: »

I have a friend who had debts, a restaurant business her ex husband ran into the ground and left her to sort out, plus the tax and vat chasing her ( as he decided to not pay them before he ran off).
She went to see a debt management company in Grimsby, who advised her to sell her house to a friend , then to max / ramp all her credit cards and credit facilities then to go bankrupt. As her credit rating wasn't at the time bad, he also advised her to get as much credit, store cards and even loans too....
This so-called advisor charged her over £3000 for this ' help ' which he said, would just go onto her credit card bills.

It seems then there are people who are encouraging you to go bankrupt and advising how to maximise it to your and their own potential too.
A word of warning, she was at her wits end and foolishly listened to these people. She has since been hauled in front of a court and the official receiver, plus been interviewed by the VAT man for the way her business was run. She has been told she could still face prosecution. This advisor ( I will let anyone know their details if anyone wants to steer clear of then, via a PM ) then washed his hands of her and left her to fend for herself !!!!

To be fair, I'm not sure your friend is entirely blameless if the situation is as you describe. There is no such thing as a free lunch, and she probably ought to have got a second opinion before going on a fraudulent spending spree (which I'm afraid it is if you know you are insolvent and you rack up the debt even higher).

I spoke to so many different advisors before I took the plunge - and they mostly advised me *not* to go bankrupt, particularly the CAB. In the end I did what was best for me.

Oggyoi

rog2 wrote: »

I can only surmise that this 'advisor' was not a representative of CAB, National Debtline, CCCS or any of the other Debt Counselling Charities that are consistently reccomended on this forum?

I can't see on their website that they are registered or governed by anyone:

Whatever your needs ******* ***** can help – we provide specialised help, advice and guidance throughout the United Kingdom. At ******* *****we will listen and then provide you with your clear way forward.

but one the questions is:
will I loose my home ?

Says a lot about the content of their site!

Graham, I don't know if any of the advice was given in writing. I actually said she should have got the card comapny to do a charge claw back of his fees, then to tell them what he was doing, as I said it sounds very much like attempting to defraud !

Graham_Devon

Oggyoi wrote: »

I can't see on their website that they are registered or governed by anyone:

Whatever your needs ******* ***** can help – we provide specialised help, advice and guidance throughout the United Kingdom. At ******* *****we will listen and then provide you with your clear way forward.

but one the questions is:
will I loose my home ?

Says a lot about the content of their site!

Graham, I don't know if any of the advice was given in writing. I actually said she should have got the card comapny to do a charge claw back of his fees, then to tell them what he was doing, as I said it sounds very much like attempting to defraud !

They can't have been registered. I can't imagine anyone who was registered to put their job on the line by actively telling someone to go spend and max out then go bankrupt.

If I was her, I'd seek help from a lawyer.

At the same time, did she not think it a little bizzare!?

Graham_Devon

blind-as-a-bat wrote: »

Point proven.

You couldn’t do it could you and did just what I said and in the process ignored the question completely

Only point proven is that it's ok to break the rules UNLESS you are on the recieving end, then it's not ok to break the rules. I.e. It's ok to break all the rules and more than the person your trying to humiliate, as and when it suits. It's also ok to tell other people of the rules as and when it suits.

Oggyoi

NekoZombie wrote: »

To be fair, I'm not sure your friend is entirely blameless if the situation is as you describe. There is no such thing as a free lunch, and she probably ought to have got a second opinion before going on a fraudulent spending spree (which I'm afraid it is if you know you are insolvent and you rack up the debt even higher).

I spoke to so many different advisors before I took the plunge - and they all advised me *not* to go bankrupt, particularly the CAB. In the end I did what was best for me.

The business was hers and her hubbys, but he had her sign for everything in her name; the lease, credit with suppliers etc. While he was out playing away, she ran the restaurant. I suppose she was very niave as to what he was doing, so maybe more fool her.
I sat in at her house to 2 interviews with customs and excise and it was almost as if they were investigating a multi billion pound fraud. She was in bits, emotionally wrecked. She did not live in a big detached house , drive a new merc or jet off to her villa. She had a 2 bed terrace, a 5 year old Astra car.
She strived to keep herself sane and with a roof over her head, preferably not a prison roof. Her ex had no assets in his own name, but lived rent free in a house owned suddenly by his parents ( it only had 6 bedrooms and just the one swimming pool ), drove one of his parents cars, a new Range Rover, get my drift.
She was clutching at straws, with creditors on her doorstep, so took the best advice she was offered under the circumstances. She did not rack up the debts, but did pay for this advice ( and service ) on a credit card.

She was struggling for survival, not struggling to keep up with a luxury lifestyle. Hope that is a bit clearer.

cheers.

rog2

Oggyoi wrote: »

The business was hers and her hubbys, but he had her sign for everything in her name; the lease, credit with suppliers etc. While he was out playing away, she ran the restaurant. I suppose she was very niave as to what he was doing, so maybe more fool her.
I sat in at her house to 2 interviews with customs and excise and it was almost as if they were investigating a multi billion pound fraud. She was in bits, emotionally wrecked. She did not live in a big detached house , drive a new merc or jet off to her villa. She had a 2 bed terrace, a 5 year old Astra car.
She strived to keep herself sane and with a roof over her head, preferably not a prison roof. Her ex had no assets in his own name, but lived rent free in a house owned suddenly by his parents ( it only had 6 bedrooms and just the one swimming pool ), drove one of his parents cars, a new Range Rover, get my drift.
She was clutching at straws, with creditors on her doorstep, so took the best advice she was offered under the circumstances. She did not rack up the debts, but did pay for this advice ( and service ) on a credit card.

She was struggling for survival, not struggling to keep up with a luxury lifestyle. Hope that is a bit clearer.

cheers.

What a pity that she did not post her story on this forum, Oggyio. She would have received some excellent advice and, above all, sympathetic support.

pipkin71

Graham_Devon wrote: »

LOL. I really shouldnt have said loan. I should have said PCP instead. But I didnt wanna say I have PCP's as that leaves a little too much to the imagination!

I don't know much about loans, but is a PCP something to do with a car loan?

Hope you don't mind me asking. Feel free to ignore.

Pipkin xxxx

Editted to add a link:

http://www.broker4cars.co.uk/pcp-car-finance.htm
http://www.broker4cars.co.uk/pcp-terms-and-conditions.htm

PCP = Personal Contract Purchase???

Graham_Devon

Because what is the point in discussing it with people who are not in the situation?

There was a thread on discussion time. Some of the posters from here, came along, and it got deleted.

The people 'involved' from the outset are here. They are not there. I have invited them there, as you know, but no one was interested in discussing it, only one person was interested in coming over there, shouting a load of abuse, and getting the thread deleted.

I know for a fact, that I can go there and I can write about bankruptcy, get a load of thanks and a load of people saying 'I agree' etc. It's not what I'm after.

The first thread I was told to come have a look at was here, the further threads, have been here, the people involved, are here.

Were not judging anyone on this thread (non of us, you included). We haven't yet resorted to abuse. Were not mentioning anyones names, or linking to anyones personal stories. It's just a discussion, started, but one of the bankruptcy posters, praised by you, and its even about what your telling me I should not be posting about.

This thread itself is off topic. I did not start it. Nor did I comment on it until further in when I was being labelled again.

So I can't see how I have somehow landed the blame for going off topic, when I'm in a topic that was off topic to start with, and praised by yourself on post 4 and more.