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ICan'tStandIt

Bosie wrote: »

The consequences for not paying back a debt are not strong enough in this country. All that seems to happen to people who default is, they don't get further credit until it drops off their credit file. Even those who go bankrupt can be back spending again in under five or six years.
Posted by ICan'tstandit

It's an insult to those of us who struggle to keep everything up to date.

This bit got to me, I know 2 people who have committed suicide because of debt.
Things can go badly wrong and sometimes options are not too great.

That's tragic of course and I'm not trying to minimise what many people go through, but too many people play the system and escape their responsibilities.

I'm sorry to hear about what happened to your friends.

random_fat_bird

Like with many issues, it's the people who make a farce of things that tend to get the publicity. I've made a mess, I'm now trying to crawl back from that mess. This is one of the ways I can do that responsibly:) I can understand your frustrations, I think we all have a pet peeve. Mine is people who lie to obtain social housing. I think we just need to have a communal pinch of salt every now and again. Or a small vodka and coke;)

NickX

ICan'tStandIt wrote: »

We'll have to agree to disagree on that one.

Fair enough.

I do appreciate that different people will have had very different experiences in life and perhaps see things from a different angle, so no probs :beer:

emmy05

darcyvuqua wrote: »

weel the guys who follow this thread will know mr p did a template letter for me to appeal my cap 1 refusal so i paid off all outsanding debt and it is all marked satisfied (i just checked online) so i have printed the letter off and i guess im not sure whether or not to post it on the way to work in the morning????

help anyone!

i hope you got it posted xx

nzseries1

NickX wrote: »

...and they [Debt Collection Agencies] will shout abuse from the street and let the neighbours know that you have bad debts.

Wow, really? ?

NickX

nzseries1 wrote: »

Wow, really? ?

Oh yeah, they will pull all sorts of horrible tricks to get repayment.

They will sit outside people's houses for hours waiting for them to come out. I once saw a documentary about DCAs and some really unpleasant lowlife collectors were even telling neighbours that the debtor concerned had tried to stab them with HIV infected needles (which ofcourse was a complete lie).

They are not nice people to deal with :mad:

random_fat_bird

Capital One card still not arrived. Slightly worried now. Am going to give it till tomorrow lunchtime then will give them a ring. I'm paranoid about the post, had things go missing in the past:(

emmy05

random_fat_bird wrote: »

Capital One card still not arrived. Slightly worried now. Am going to give it till tomorrow lunchtime then will give them a ring. I'm paranoid about the post, had things go missing in the past:(

youre way more patient than i am, id have been on the phone the next day after getting the pin number lol good luck and hope they get it to you quickly x

craigp_2

sent my agreement form off today,does anyone know the minimum amount aqua offer?Im thinking its about £250 like most

Bosie

Hi Craigp
My hubby got £1000 limit to start with (Aqua) was told he was approved for the Vanquis card last week, but nothing off them in writing. Aqua were very quick on opening the account:rolleyes:

Bo x