Accip74 7,112 Posted November 22, 2015 Report Share Posted November 22, 2015 fook em and declare bankruptcy (as long as you dont own your house) its like a breath of fresh air and a weight lifting apart from the inconvenience of no credit of any description for a few years which is no bad thing I'd have you on the f***ing street. And you've the nerve to call bailiffs bankrupt. Like I said on the other thread 'want it, pay for it, earn it'. Aye, borrow beyond your means, then declare your self bankrupt and let the tax payer pick up the bill for housing/clothing/feeding you... I may sound like a conspiracy nut here,but imo the system is set up to make people get and stay in debt,eliminate usury and then it would be fair enough to take that attitude. I think there's an element of truth in that........it certainly ain't set up to keep you out of debt, It's almost unavoidable for some. I take full responsibility for the debt I got into though. PPI claims got me out of the mire......:-) Quote Link to post Share on other sites
mushroom 13,979 Posted November 22, 2015 Report Share Posted November 22, 2015 (edited) Had them turn up at 6am once when I'd just bought a new house and moved in. He was after the previous guy and wouldn't have it that I wasn't him. So I sent him packing on his back with a staffy and three terriers going sick in his face as he led on the floor. Cnut phone the filth etc told them I'd attacked him blah blah I just told the copper his word against mine and that the daft fuuck fell over the door running like a bitch when the wee jrt barked at him copper just laughed and told me to get a brief to draft a legal doc (forget the name of it now) which basically says that all property in the house belongs to me not the previous owner. To point out here all the feckin ID in the world would not convince this prick I was not the person he was after. Edited November 22, 2015 by mushroom Quote Link to post Share on other sites
j j m 6,609 Posted November 22, 2015 Author Report Share Posted November 22, 2015 i suppose you do get some idiots doing the job Quote Link to post Share on other sites
The one 8,578 Posted November 22, 2015 Report Share Posted November 22, 2015 Theres a good programme with a couple of old guys doing the job they just talk there way round any problems give folk time to gather stuff etc but they still have to wear stab vests doing the job Quote Link to post Share on other sites
DIDO.1 22,856 Posted November 22, 2015 Report Share Posted November 22, 2015 Iv had a few mates who were debt collectors or worked in the debt industry ie. trying to help people clear debts with payment plans and offering support... Mates on both side of the debt situation from the hard nuts to the support side agree that the largest group owning money is foreigners. As someone who runs a small business I can see that would be the case. Also they often say they feel sorry for very few debtors......most smoke, have the full sky package and buy everything on tick... How about you spare a thought for those businesses that are owed money? Mainly small family run ones! 3 Quote Link to post Share on other sites
nans pat 2,575 Posted November 22, 2015 Report Share Posted November 22, 2015 Iv had a few mates who were debt collectors or worked in the debt industry ie. trying to help people clear debts with payment plans and offering support... Mates on both side of the debt situation from the hard nuts to the support side agree that the largest group owning money is foreigners. As someone who runs a small business I can see that would be the case. Also they often say they feel sorry for very few debtors......most smoke, have the full sky package and buy everything on tick... How about you spare a thought for those businesses that are owed money? Mainly small family run ones! maybe they shouldnt be so quick to hand credit out at extorsionate payback rates, Quote Link to post Share on other sites
DIDO.1 22,856 Posted November 22, 2015 Report Share Posted November 22, 2015 Yeah it's always someone else's fault. 3 Quote Link to post Share on other sites
nans pat 2,575 Posted November 22, 2015 Report Share Posted November 22, 2015 Yeah it's always someone else's fault. no...but some do really push it on especialy now coming up to xmas,do you expect people to let their kids do without the latest gadjet,new clothes ect all the other kids are getting for xmas because of some poxy credit card getting ripped off.its coming of a broad back the bankers had us over and not a word about it. Quote Link to post Share on other sites
Kay 3,709 Posted November 22, 2015 Report Share Posted November 22, 2015 Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills. I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage Depending on your circs most company's will be glad of a small regular payment from you rather than nothing 4 Quote Link to post Share on other sites
mushroom 13,979 Posted November 22, 2015 Report Share Posted November 22, 2015 Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills. I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage Depending on your circs most company's will be glad of a small regular payment from you rather than nothing Kay I can appreciate that people like yourself may come a cropper, an ex, job loss etc but what I found crazy..... When I had the blinds business I would often esp this time of year have a shed load of clients on the council estates. Most had the sky package, X box, huge telly etc and obviously on benefits. They would be paying me with credit cards and I would be driving to the next job wondering why the fec I have to work my ass off and they don't. Doesn't surprise me most end with the bailiffs turning up, people living beyong their means on credit. It used to be shameful to be in debt now it's as normal a topic in conversation as the weather. Quote Link to post Share on other sites
nans pat 2,575 Posted November 22, 2015 Report Share Posted November 22, 2015 Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills. I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage Depending on your circs most company's will be glad of a small regular payment from you rather than nothing Kay I can appreciate that people like yourself may come a cropper, an ex, job loss etc but what I found crazy..... When I had the blinds business I would often esp this time of year have a shed load of clients on the council estates. Most had the sky package, X box, huge telly etc and obviously on benefits. They would be paying me with credit cards and I would be driving to the next job wondering why the fec I have to work my ass off and they don't. Doesn't surprise me most end with the bailiffs turning up, people living beyong their means on credit. It used to be shameful to be in debt now it's as normal a topic in conversation as the weather. sky package,x,box,huge tellys.on council estates ,shock,horror.you sound like edwina curry,how do you know they didnt buy these before their jobs were taken of them by goverments fcukin the place up. 1 Quote Link to post Share on other sites
Kay 3,709 Posted November 22, 2015 Report Share Posted November 22, 2015 Most debt these days is not folk running up huge credit card bills on a lavish lifestyle, its your average family struggling to keep on top of utility bills. I know from experience the only way to dig yourself from debt is to set up payment plans with the people your in debt with , income & expenditure will be taken into account as will '' priority'' debts such as council tax & mortgage Depending on your circs most company's will be glad of a small regular payment from you rather than nothing Kay I can appreciate that people like yourself may come a cropper, an ex, job loss etc but what I found crazy..... When I had the blinds business I would often esp this time of year have a shed load of clients on the council estates. Most had the sky package, X box, huge telly etc and obviously on benefits. They would be paying me with credit cards and I would be driving to the next job wondering why the fec I have to work my ass off and they don't. Doesn't surprise me most end with the bailiffs turning up, people living beyong their means on credit. It used to be shameful to be in debt now it's as normal a topic in conversation as the weather. I had to tighten my belt big time 5 years ago , I knew when my husband buggered off with his wages it was going to be a struggle .... I had 2 choices either let it all get completely out of control & end up destitute or fight on quietly & take back the control of my finances. I choice the latter & am happy as a pig in muck these days , I am happy to potter round at home & work part time , I was able to rid my self of the biggest monthly bill my mortgage when my uncle passed away & left me & the family some money in his will , something I am very grateful for as it also enabled me to have central heating . So now I am happy & warm rather being happy & cold I guess to most folk people like me have no ambitions or a want to better themselves .... thats probably true to a degree ... but if that '' bettering myself'' comes with a hefty price tag you can keep it . I do get your point about folks having stuff regardless of there income & there ability to pay for it. I see it at work with the girls who rack up argos credit cards & then moan it takes them the year to pay it off just to buy the kids toys 4 Quote Link to post Share on other sites
Accip74 7,112 Posted November 22, 2015 Report Share Posted November 22, 2015 (edited) Iv had a few mates who were debt collectors or worked in the debt industry ie. trying to help people clear debts with payment plans and offering support... Mates on both side of the debt situation from the hard nuts to the support side agree that the largest group owning money is foreigners. As someone who runs a small business I can see that would be the case. Also they often say they feel sorry for very few debtors......most smoke, have the full sky package and buy everything on tick... How about you spare a thought for those businesses that are owed money? Mainly small family run ones! I've only ever owed the banks so my conscience is clear....haha I do remember the bank saying to me I was actually doing really well, because even though I owed them loads of money, I'd never missed a payment........so they were willing to lend me much more! Haha.... It's funny how people prioritise their money sometimes............I go round my wife's brothers place & the house is cold, the kids are eating cheap shite food, but they are watching the biggest flat screen tv & he's got a fcuking remote control security gate fitted, which you can just hop over...haha Edited November 22, 2015 by Accip74 Quote Link to post Share on other sites
dare 1,103 Posted November 22, 2015 Report Share Posted November 22, 2015 How many would have a different view if they was the one owed money? Have lent to so called mates whove avoided my calls when other mates have told me their out with em partying. Kindness for weakness situation because they know id hate to fall out with a friend over money. Trouble is people seem to take the piss if they think they can get away with it. As for some the comments, i wouldnt feel right having to hide behind a barking dog. Also about them not getting out unhurt lol whats the point of attacking em n getting nicked only to still owe the money? If your that uncaring about being nicked you shouldnt be worrying about 3k. Im not a heartless prick i know people fall on hard times. Im sure though they give options of payment plans n stuff. 2 Quote Link to post Share on other sites
CushtyJook 1,097 Posted November 22, 2015 Report Share Posted November 22, 2015 How many would have a different view if they was the one owed money? Have lent to so called mates whove avoided my calls when other mates have told me their out with em partying. Kindness for weakness situation because they know id hate to fall out with a friend over money. Trouble is people seem to take the piss if they think they can get away with it. As for some the comments, i wouldnt feel right having to hide behind a barking dog. Also about them not getting out unhurt lol whats the point of attacking em n getting nicked only to still owe the money? If your that uncaring about being nicked you shouldnt be worrying about 3k. Im not a heartless prick i know people fall on hard times. Im sure though they give options of payment plans n stuff. Words full of them types dare best to stop all contact with them hard to find genuine people these days Quote Link to post Share on other sites
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