FabSwingers.com > Forums > The Lounge > cant pay we will take it away
cant pay we will take it away
Jump to: Newest in thread
| |||
"on channel 5 at mo anyone watching? anyone been in this situation? I was years ago bailiffs at the door is a horrid feeling" [ifyoucantbeatemjoinem]Benefit scrounging, work shy scum shouldn't buy things they can't afford[/ifyoucantbeatemjoinem] | |||
| |||
"not always their fault I never knew my ex was not paying for some stuff we had on hire purchase choosing to drink away the money" I was joking! Fortunately it's never come to that for us but we've been close on a couple of occasions. | |||
"not always their fault I never knew my ex was not paying for some stuff we had on hire purchase choosing to drink away the money" Don't they send letters before visiting? | |||
"not always their fault I never knew my ex was not paying for some stuff we had on hire purchase choosing to drink away the moneyDon't they send letters before visiting?" I never saw any | |||
| |||
| |||
"I just watched this. Even though people shouldn't buy what they can't afford or don't try and deal with it if the situation looks like it could get out of hand, etc etc, I couldn't help but feel really sorry for them. I dont think I could work as a bailiff. thankfully I've not been in this situation " Its a job i couldnt do either...horrid job  | |||
"In the flip side people know what they can and can't afford so if they can't they should leave the goods in the shop. " Debt isn't all about going on a spending spree or buying stuff that's not needed. Look at the ex army bloke, working his socks off as a taxi driver and suffering ill health .. It's no good telling me he shouldn't have bought into a shared ownership. He didn't seem bright enough to know that he'd end up paying such a high rent to greedy bastard landlords that would then chuck him out. Not everyone is a financial wizard. It's the people who loan money to those who are ill able to pay it back and make money off their backs that should be strung up. | |||
| |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay " But do they know the amount of interest before signing on the dotted line? | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line?" if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the money | |||
"I just watched this. Even though people shouldn't buy what they can't afford or don't try and deal with it if the situation looks like it could get out of hand, etc etc, I couldn't help but feel really sorry for them. I dont think I could work as a bailiff. thankfully I've not been in this situation Its a job i couldnt do either...horrid job "Unfortunately it's a job that can & has attracted horrid people; some cherish the idea of bullying & humiliating people in their own homes. Scum!! | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the money" So whats the solution? | |||
 | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution?" more financial advice when people hit hardship | |||
"In the flip side people know what they can and can't afford so if they can't they should leave the goods in the shop. Debt isn't all about going on a spending spree or buying stuff that's not needed. Look at the ex army bloke, working his socks off as a taxi driver and suffering ill health .. It's no good telling me he shouldn't have bought into a shared ownership. He didn't seem bright enough to know that he'd end up paying such a high rent to greedy bastard landlords that would then chuck him out. Not everyone is a financial wizard. It's the people who loan money to those who are ill able to pay it back and make money off their backs that should be strung up. " Like I said if you can't afford it don't buy it even more so if you are financially inept. Where landlords came into it fuck knows but you are in cloud cuckoo land if you think people should live in someone's house for free. | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship " Like the CAB or The money Advice people? | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line?" Its an obligation to let people know the interest rates people just want now if they can afford it or not. | |||
" Unfortunately it's a job that can & has attracted horrid people; some cherish the idea of bullying & humiliating people in their own homes. Scum!!" I've been in this situation in the past with bailiffs and although it was a horrible experience, every one I had dealings with were very nice people, they just have to deal with some very desperate people who aren't very nice to them for understandable reasons. I understood they had a job to do and they understood the situation I was in. They're still people like all of us. | |||
| |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship Like the CAB or The money Advice people?" by the time people reach this stage its usually in debt for thousands .. debt management can take years to clear IVAs are 5 yrs but then written off bankruptcy is prob quickest option I think budgeting should be taught in schools more | |||
| |||
| |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. " They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. | |||
"Hang on, didn't our entire banking system live beyond its means?" Aye, but its only immoral when its the have-nots. | |||
| |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. " They could always get another job where they weren't hired to intimidate people on behalf of business. | |||
| |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship Like the CAB or The money Advice people? by the time people reach this stage its usually in debt for thousands .. debt management can take years to clear IVAs are 5 yrs but then written off bankruptcy is prob quickest option I think budgeting should be taught in schools more" think its going to be in the school curriculum from September | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship Like the CAB or The money Advice people? by the time people reach this stage its usually in debt for thousands .. debt management can take years to clear IVAs are 5 yrs but then written off bankruptcy is prob quickest option I think budgeting should be taught in schools morethink its going to be in the school curriculum from September " good I think that's the only way is to show the young'uns how to manage mony | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. " no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. | |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. " Agree with you 100%!! I've only experienced them twice, - in the same week  - wanting payment for 4 speed camera tickets that I didn't even know I had committed, & hadn't received in the post, back in the mid nineties; fucking arrogant bastards!!!
Long story, but I had the last laugh | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship Like the CAB or The money Advice people? by the time people reach this stage its usually in debt for thousands .. debt management can take years to clear IVAs are 5 yrs but then written off bankruptcy is prob quickest option I think budgeting should be taught in schools morethink its going to be in the school curriculum from September " Its already taught - its called 'maths'. How it is going to help those who are too desperate or naieve to avoid being exploited is beyond me. | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. " Watch the film Inside Job, narrated by Matt Damon. In a nutshell, it's about how the banking and finance industry corrupted political and academic classes and then became too big to fail. It was a casino where there were no losing bets - until the end. Then the taxpayer paid up. George Sorross, the financier, said: "the poor are the ones that always pay." No one has any moral high ground when it comes to debt anymore. | |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. They could always get another job where they weren't hired to intimidate people on behalf of business. " There are clear rules what they can and can't do it sounds as though you have scant information on the subject. Next you will be saying the police intimidate lets get rid of them. | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. " Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. | |||
"Hang on, didn't our entire banking system live beyond its means?" Yes, this whole country is in debt. Technically all money is debt. Banks magic money out of thin air then charge people interest on it. Theyre the real criminals. | |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. They could always get another job where they weren't hired to intimidate people on behalf of business. There are clear rules what they can and can't do it sounds as though you have scant information on the subject. Next you will be saying the police intimidate lets get rid of them. " A) I suspect the "rules" are not always adhered to and B) The "rules" are heavily weighted in one direction, and it not towards the poor bastard on the recieving end. You seriously think all rules are just, fair and honourable? | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. " You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. | |||
| |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. They could always get another job where they weren't hired to intimidate people on behalf of business. There are clear rules what they can and can't do it sounds as though you have scant information on the subject. Next you will be saying the police intimidate lets get rid of them. A) I suspect the "rules" are not always adhered to and B) The "rules" are heavily weighted in one direction, and it not towards the poor bastard on the recieving end. You seriously think all rules are just, fair and honourable?" You can suspect the moon is made of cream cheese but it doesn't make it so do you understand any of the rules involved or are you speaking out of the wrong end! People who don't pay back will take more if there is not some sort of recompense wake up ffs! | |||
"credit card companies are the worst giving unrealistic credit to people who will then struggle to pay But do they know the amount of interest before signing on the dotted line? if in debt its seen as a short term solution I knew one whose interst a month was more than the payment when struggling people only see the moneySo whats the solution? more financial advice when people hit hardship Like the CAB or The money Advice people? by the time people reach this stage its usually in debt for thousands .. debt management can take years to clear IVAs are 5 yrs but then written off bankruptcy is prob quickest option I think budgeting should be taught in schools morethink its going to be in the school curriculum from September Its already taught - its called 'maths'. How it is going to help those who are too desperate or naieve to avoid being exploited is beyond me. " How naive can you be, Every council and government agency uses bailiffs/debt collection agencies now. at this moment i have two on my back and from an initial total of forty five pounds i am being chased for three thousand and twenty eight..and i have sold my soul to the devil to pay four hundred and fifty pound to clear a fourty pound debt There but for the grace of god go i | |||
" what about overlimit charges. and late payment charges that make it even harder to get on top" Then budget in-comings to outgoings so it doesn't happen many managed well that way. My grandparents were very poor but they didn't borrow and they weren't highly educated just were not greedy. Previous generations managed with far less money. | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. " Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange? | |||
" People who don't pay back will take more if there is not some sort of recompense wake up ffs! "So? | |||
" How naive can you be, Every council and government agency uses bailiffs/debt collection agencies now. at this moment i have two on my back and from an initial total of forty five pounds i am being chased for three thousand and twenty eight..and i have sold my soul to the devil to pay four hundred and fifty pound to clear a fourty pound debt There but for the grace of god go i " My point was, you can teach it till you are blue in the face, but people will still get shafted by those who can word a clever contract and afford to buy muscle to back it up. | |||
" what about overlimit charges. and late payment charges that make it even harder to get on top Then budget in-comings to outgoings so it doesn't happen many managed well that way. My grandparents were very poor but they didn't borrow and they weren't highly educated just were not greedy. Previous generations managed with far less money." very good point my parents went without if we didn't have money | |||
" what about overlimit charges. and late payment charges that make it even harder to get on top Then budget in-comings to outgoings so it doesn't happen many managed well that way. My grandparents were very poor but they didn't borrow and they weren't highly educated just were not greedy. Previous generations managed with far less money." I can guarantee that your grandparents didnt have to suffer the shite that we do today, Debt collecting is one of the top fifty growth industries in this countries in the last ten years..cue in recession | |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. "  | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange?" Whats that got to do with the bailiffs going in? | |||
"Ah yes, Capitals attack dogs. How anyone can have any sympathy for a baliff is beyond me. They are only doing their job debt recovery companies write and phone people a dozen times at least before sending the bailiffs in. They could always get another job where they weren't hired to intimidate people on behalf of business. There are clear rules what they can and can't do it sounds as though you have scant information on the subject. Next you will be saying the police intimidate lets get rid of them. A) I suspect the "rules" are not always adhered to and B) The "rules" are heavily weighted in one direction, and it not towards the poor bastard on the recieving end. You seriously think all rules are just, fair and honourable? You can suspect the moon is made of cream cheese but it doesn't make it so do you understand any of the rules involved or are you speaking out of the wrong end! People who don't pay back will take more if there is not some sort of recompense wake up ffs! "Including bankers? FFS!! | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange? Whats that got to do with the bailiffs going in? "My point was about morality - certain people on here seem to think that those oweing are somehow amoral. One only seems to see this being used as a stick to beat people with on personal/business relationships. Business/business relationships (is a field in which I have worked), morality is never brought into it. It is about screwing the other guy for as much as you can and getting away with it. Nobody ever seems to band 'morality' about. | |||
" what about overlimit charges. and late payment charges that make it even harder to get on top Then budget in-comings to outgoings so it doesn't happen many managed well that way. My grandparents were very poor but they didn't borrow and they weren't highly educated just were not greedy. Previous generations managed with far less money. I can guarantee that your grandparents didnt have to suffer the shite that we do today, Debt collecting is one of the top fifty growth industries in this countries in the last ten years..cue in recession " My grandparents weren't greedy fuckers and saved to buy things not borrow what they couldn't afford they were working class people who were not greedy so hell no they didn't! Facts are over the last 18 months bailiff companies have shrunk in size by 12% because in the main people can't borrow cheaply they have grown from 2005 to 2011 granted but driven by people not paying what they owe. People get letters for months before they go in but ignore. People who are owed money want it back and why not they lent in good faith after all. | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange? Whats that got to do with the bailiffs going in?
My point was about morality - certain people on here seem to think that those oweing are somehow amoral.
One only seems to see this being used as a stick to beat people with on personal/business relationships.
Business/business relationships (is a field in which I have worked), morality is never brought into it. It is about screwing the other guy for as much as you can and getting away with it. Nobody ever seems to band 'morality' about. "Its immoral to borrow money and not pay it back full stop do you honestly think its ok for people to borrow money and make an agreement at that time to replay then not give it back????  | |||
" what about overlimit charges. and late payment charges that make it even harder to get on top Then budget in-comings to outgoings so it doesn't happen many managed well that way. My grandparents were very poor but they didn't borrow and they weren't highly educated just were not greedy. Previous generations managed with far less money. I can guarantee that your grandparents didnt have to suffer the shite that we do today, Debt collecting is one of the top fifty growth industries in this countries in the last ten years..cue in recession My grandparents weren't greedy fuckers and saved to buy things not borrow what they couldn't afford they were working class people who were not greedy so hell no they didn't! Facts are over the last 18 months bailiff companies have shrunk in size by 12% because in the main people can't borrow cheaply they have grown from 2005 to 2011 granted but driven by people not paying what they owe. People get letters for months before they go in but ignore. People who are owed money want it back and why not they lent in good faith after all. " And lent ant an interest rate that covers them on the percentage that default, so that they make money whatever - its just with the collectors they are making sure they squeeze every last penny out of the enterprise. | |||
| |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange? Whats that got to do with the bailiffs going in?
My point was about morality - certain people on here seem to think that those oweing are somehow amoral.
One only seems to see this being used as a stick to beat people with on personal/business relationships.
Business/business relationships (is a field in which I have worked), morality is never brought into it. It is about screwing the other guy for as much as you can and getting away with it. Nobody ever seems to band 'morality' about.
Its immoral to borrow money and not pay it back full stop do you honestly think its ok for people to borrow money and make an agreement at that time to replay then not give it back???? "Businesses do it all the time. Too much outstanding debt? Dissolve the company (LTD cos - different for sole traders) fuck off your creditors, start a new company with a slightly different name debt free.  | |||
"Hang on, didn't our entire banking system live beyond its means? Aye, but its only immoral when its the have-nots. no both can be classed as immoral it still doesn't justify people buying things they have no intention of paying for. Trying to justify that is like me saying mr x killed his neighbour so your neighbour is entitled to kill you. Rubbish - good business is about buying things that you can get away with not paying for. Suddenly morality comes into it when an individual owes a business money. Hmmm. You are doing a good job in trying to make someone who borrows but doesn't pay it back see ok when its not! If you cant pay it back don't borrow simple only fools deflect the issue. Okay - heres an example based in some real examples I have seen: Small company invoices a larger one, larger one realises that small company has one major client (them) and a number of smaller, yet lucrative ones. Large company realises it could probably do small companies job themselves, and more cheaply with all their large company resources. They then set their invoice terms for an impossibly long time, and delay paying even when the time is up, destroying small business' cashflow and soon sending him bankrupt. Large business then moves in and does exactly what small business had been doing, but for itself. This is good business and is rewarded. What does morality have to do with the medium of exchange? Whats that got to do with the bailiffs going in?
My point was about morality - certain people on here seem to think that those oweing are somehow amoral.
One only seems to see this being used as a stick to beat people with on personal/business relationships.
Business/business relationships (is a field in which I have worked), morality is never brought into it. It is about screwing the other guy for as much as you can and getting away with it. Nobody ever seems to band 'morality' about.
Its immoral to borrow money and not pay it back full stop do you honestly think its ok for people to borrow money and make an agreement at that time to replay then not give it back???? "Is it moral that banks charge interest on money they don't actually have in the first place? | |||
"Wake up ? Heres a bit of advice for ya, Do not judge those whom misfortune has been cast upon them lest you be next to be pinned upon the wheel of fate" you could easily say...Wake up don't borrow money you know you cannot really afford save up to pay for things and wait. You pay no interest on saving money and if you can't afford to save and buy there is no way in hades you can borrow to buy with interest on top. | |||
"Wake up ? Heres a bit of advice for ya, Do not judge those whom misfortune has been cast upon them lest you be next to be pinned upon the wheel of fate you could easily say...Wake up don't borrow money you know you cannot really afford save up to pay for things and wait. You pay no interest on saving money and if you can't afford to save and buy there is no way in hades you can borrow to buy with interest on top. " So say you have a mortgage, then gets injured at work, cant afford the payments. Then what? | |||
| |||
"Hang on, didn't our entire banking system live beyond its means?" Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R. | |||
"Wake up ? Heres a bit of advice for ya, Do not judge those whom misfortune has been cast upon them lest you be next to be pinned upon the wheel of fate" That's what I like about Essex, they're ssssoooooooo damn kinky!!!  | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R. ""The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply. | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply. "I say 'reckless lending' you say 'individual greed'....... | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply. "Mature? Pot, Kettle...! It's an effective and immediate way of stopping any scum who try to profit from others misery. If processes are followed properly there should be no need to get into that situation. I'm just fortunate that I've never been in the position to have bailiffs around to have to employ that tactic, but see no reason not to prevent some of the knuckle-draggers employed in that industry from entering and effectively stealing over what is often a small debt that's been allowed to accumulate by being sold-on. | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply.
I say 'reckless lending' you say 'individual greed'......."Poppycock if someone kills someone with a knife do you blame the shop that sold the knife. Is it the lenders job really to pipe the arse of the lender. In cases of toxic dept over 70% of information supplied by lenders was false. Why not blame the TV advertisers for encouraging people to buy things where does it end. | |||
| |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply.
Mature? Pot, Kettle...! It's an effective and immediate way of stopping any scum who try to profit from others misery. If processes are followed properly there should be no need to get into that situation. I'm just fortunate that I've never been in the position to have bailiffs around to have to employ that tactic, but see no reason not to prevent some of the knuckle-draggers employed in that industry from entering and effectively stealing over what is often a small debt that's been allowed to accumulate by being sold-on."Mature is in relation the puerile childish suggestion to take a pick ax handle to another human being. As for knuckle draggers well you obviously have no real idea as to what goes on and its BOLLOX how big the dept is if you borrow you are obliged to repay it and people get dozens of letters first which they ignore rather than contacting companies to repay what they owe and its the courts who eventually enforce the dept the courts get that the legal system. That doesn't mean people who lend at exorbitant interest rates are not complete bastards themselves but that's another thread not this one. | |||
"I thought the ex army taxi driver was very hard done by. A 5 grand debt went to 30, and I saw on closing credits was now at 100k. That is wrong. Full stop." The point of that is to reclaim as much of the original debt as possible before the debtor goes bankrupt (which the lender sees as a certainty). Of course the fact that it ruins lives is neither here nor there to the lender. Morality never enters the head of the lender, only calculated risk - why should it enter the head of the debtor? | |||
  | |||
"In the flip side people know what they can and can't afford so if they can't they should leave the goods in the shop. " Circumstances change and even the most highly educated and skilled economists get things very wrong, albeit supported also by the most powerful computers that the everyday person cannot afford. The human mind is full of cognitive traps that work against us making quality decisions that affect our judgements. When people are stressed they also perform badly on judgements. It is inhumane to not have empathy for people who struggle based on world circumstances turning against them and bailifs seem somewhat less than human in their approaches that I have seen and heard of. | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply.
Mature? Pot, Kettle...! It's an effective and immediate way of stopping any scum who try to profit from others misery. If processes are followed properly there should be no need to get into that situation. I'm just fortunate that I've never been in the position to have bailiffs around to have to employ that tactic, but see no reason not to prevent some of the knuckle-draggers employed in that industry from entering and effectively stealing over what is often a small debt that's been allowed to accumulate by being sold-on.
Mature is in relation the puerile childish suggestion to take a pick ax handle to another human being. As for knuckle draggers well you obviously have no real idea as to what goes on and its BOLLOX how big the dept is if you borrow you are obliged to repay it and people get dozens of letters first which they ignore rather than contacting companies to repay what they owe and its the courts who eventually enforce the dept the courts get that the legal system. That doesn't mean people who lend at exorbitant interest rates are not complete bastards themselves but that's another thread not this one. "YOU'RE the one who hasn't got a clue how some of these people operate. And you obviously have no sense of compassion for people who end up in impossible situations through very often no fault of their own...serious illness, unployment, etc. I have a good friend who was attacked and beaten to a pulp by some of these scum as they stormed into his house and dammed near stripped it of anything of value, some years ago now but it still affects him, so, speaking from fairly close experience I wouldn't hesitate if anyone tried to force their way in to my house. You're right about the moral obligation to pay back what you borrow, but when a small debt suddenly balloons into a debt tens of times greater than the original, through devious intent and maliciousness, many people are left floundering and helpless. On that note I intend to bow out, as I've said my piece. You may think its bollox, but you need to see the real world for what it is...a jungle. | |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply.
Mature? Pot, Kettle...! It's an effective and immediate way of stopping any scum who try to profit from others misery. If processes are followed properly there should be no need to get into that situation. I'm just fortunate that I've never been in the position to have bailiffs around to have to employ that tactic, but see no reason not to prevent some of the knuckle-draggers employed in that industry from entering and effectively stealing over what is often a small debt that's been allowed to accumulate by being sold-on.
Mature is in relation the puerile childish suggestion to take a pick ax handle to another human being. As for knuckle draggers well you obviously have no real idea as to what goes on and its BOLLOX how big the dept is if you borrow you are obliged to repay it and people get dozens of letters first which they ignore rather than contacting companies to repay what they owe and its the courts who eventually enforce the dept the courts get that the legal system. That doesn't mean people who lend at exorbitant interest rates are not complete bastards themselves but that's another thread not this one.
YOU'RE the one who hasn't got a clue how some of these people operate. And you obviously have no sense of compassion for people who end up in impossible situations through very often no fault of their own...serious illness, unployment, etc. I have a good friend who was attacked and beaten to a pulp by some of these scum as they stormed into his house and dammed near stripped it of anything of value, some years ago now but it still affects him, so, speaking from fairly close experience I wouldn't hesitate if anyone tried to force their way in to my house. You're right about the moral obligation to pay back what you borrow, but when a small debt suddenly balloons into a debt tens of times greater than the original, through devious intent and maliciousness, many people are left floundering and helpless.
On that note I intend to bow out, as I've said my piece. You may think its bollox, but you need to see the real world for what it is...a jungle.
"Well you put both feet in it big time there as I have a lot of knowledge on how these companies work the training that goes into people the fact many are not knuckle draggers as you put it but family men doing a job to recover moneys owed to another who the borrower has no intention of repaying. People ignore demand for repayment that’s a fact it costs money for people to try to recover the moneys owed and its passed on rightly if it was your money lent you would do the same. As for your good friend I dispute your facts and say its untrue an official bailiff did that in the main reputable enforcement officers go in with shoulder cameras to record the incident as people lie about force used. Your friend could have attacked an enforcement team it happens and he may have been fended off or your friend may have borrowed from unofficial money lending sharks who knows but the facts you stated in relation to an official recovery team I say to you are untrue. Maybe you did it with your pick axe handle you claim to be so handy with? Hmmm that doesn’t sound like the real world though does it maybe you should opt for the sensible one with facts in it. | |||
"I thought the ex army taxi driver was very hard done by. A 5 grand debt went to 30, and I saw on closing credits was now at 100k. That is wrong. Full stop. The point of that is to reclaim as much of the original debt as possible before the debtor goes bankrupt (which the lender sees as a certainty). Of course the fact that it ruins lives is neither here nor there to the lender. Morality never enters the head of the lender, only calculated risk - why should it enter the head of the debtor?" Because the debtor went into a legal agreement to borrow the monies and knows the consequences its not exactly a new thing for a lender to try to recover money. I tell you what you lend me £1000 and i say 12 months time your not getting it back is that fair? | |||
"I thought the ex army taxi driver was very hard done by. A 5 grand debt went to 30, and I saw on closing credits was now at 100k. That is wrong. Full stop. The point of that is to reclaim as much of the original debt as possible before the debtor goes bankrupt (which the lender sees as a certainty). Of course the fact that it ruins lives is neither here nor there to the lender. Morality never enters the head of the lender, only calculated risk - why should it enter the head of the debtor? Because the debtor went into a legal agreement to borrow the monies and knows the consequences its not exactly a new thing for a lender to try to recover money. I tell you what you lend me £1000 and i say 12 months time your not getting it back is that fair? " Fair? What on earth are you talking about? Fairness as a concept has something to do with morality - the lender spends little or no time considering this. He is much more concerned with setting his terms to ensure he gets a good return on his investment and mitigating his risk - because if you lend, a certain percentage of borrowers will default. It is a calculated risk, like all capital ventures. The fact that he can employ people to recover his debt may be worked into this risk, but he will only do so when the rewards justify the investment of paying their wages - if the debt is too small to make this pay, he will write it off. | |||
 | |||
| |||
"Mr montecristo, you say that loan shark companies is for another three - don't you think that there could be a major connection with this thread? Confused, boondocks of beyond. "*thread - not three!!  | |||
| |||
| |||
| |||
| |||
"Hang on, didn't our entire banking system live beyond its means? Just like our politicians too...on OUR money...!!! They're all a bunch of thieving turds running GB Inc. The bailiffs could be sent packing with a well aimed pickaxe handle, but the real problem is that credit is made widely available to those who can least afford it, and a government who seem intent on running everybody they didn't go to school with into financial ruin through excessive taxation to pay for their foreign trips and second houses. And don't get me started on foreign aid to countries who don't actually need or even want it like India...FFS they've even got their own space programme, and we're sending them our hard-earned........!@&!/!!! Sorry, rant over, but as a former world leading country we've reall gone and lost the plot BIG time. And breathe out....aaaah....! R.
"The bailiffs could be sent packing with a well aimed pickaxe handle" well that's mature! Granted the banks have fucked up the politicians not much better at times but lets not forget the recession was world wide fueled by individual greed fed by the banks demand after all creates supply.
Mature? Pot, Kettle...! It's an effective and immediate way of stopping any scum who try to profit from others misery. If processes are followed properly there should be no need to get into that situation. I'm just fortunate that I've never been in the position to have bailiffs around to have to employ that tactic, but see no reason not to prevent some of the knuckle-draggers employed in that industry from entering and effectively stealing over what is often a small debt that's been allowed to accumulate by being sold-on.
Mature is in relation the puerile childish suggestion to take a pick ax handle to another human being. As for knuckle draggers well you obviously have no real idea as to what goes on and its BOLLOX how big the dept is if you borrow you are obliged to repay it and people get dozens of letters first which they ignore rather than contacting companies to repay what they owe and its the courts who eventually enforce the dept the courts get that the legal system. That doesn't mean people who lend at exorbitant interest rates are not complete bastards themselves but that's another thread not this one.
YOU'RE the one who hasn't got a clue how some of these people operate. And you obviously have no sense of compassion for people who end up in impossible situations through very often no fault of their own...serious illness, unployment, etc. I have a good friend who was attacked and beaten to a pulp by some of these scum as they stormed into his house and dammed near stripped it of anything of value, some years ago now but it still affects him, so, speaking from fairly close experience I wouldn't hesitate if anyone tried to force their way in to my house. You're right about the moral obligation to pay back what you borrow, but when a small debt suddenly balloons into a debt tens of times greater than the original, through devious intent and maliciousness, many people are left floundering and helpless.
On that note I intend to bow out, as I've said my piece. You may think its bollox, but you need to see the real world for what it is...a jungle.
Well you put both feet in it big time there as I have a lot of knowledge on how these companies work the training that goes into people the fact many are not knuckle draggers as you put it but family men doing a job to recover moneys owed to another who the borrower has no intention of repaying. People ignore demand for repayment that’s a fact it costs money for people to try to recover the moneys owed and its passed on rightly if it was your money lent you would do the same. As for your good friend I dispute your facts and say its untrue an official bailiff did that in the main reputable enforcement officers go in with shoulder cameras to record the incident as people lie about force used. Your friend could have attacked an enforcement team it happens and he may have been fended off or your friend may have borrowed from unofficial money lending sharks who knows but the facts you stated in relation to an official recovery team I say to you are untrue. Maybe you did it with your pick axe handle you claim to be so handy with? Hmmm that doesn’t sound like the real world though does it maybe you should opt for the sensible one with facts in it. "Montecristo! Of course you know it all. Dispute my facts all you want...bury your head like an ostrich. What happened to my mate was a visit from hell, and no, he did not attack anyone, but was attacked, unprovoked, just by attempting to stop them crashing in mob-handed and effectively stealing from him. They certainly didn't have shoulder cameras...lol...nor did they have shoulder bags! A 'regulated industry' that uses still often uses dubious people to fulfil its purposes. True, there are many people in the industry to whom it is merely a job, but there are still a lot of sadistic bastards in it too, and if you can't admit that then you're just in denial. And IF you actually read my posting, my pickaxe handle remains in place, gathering dust, just in case it's ever required for duty. How handy is that... No doubt you'll want the last word on the subject, true to form, together with a 'witty' put-down... You're so full of it son...'maybe I did it' ...get a life. And don't fall off your soapbox...your ludicrous comments keep making me laugh.
Now that really IS my last word...I wonder what witty reposte will follow from the wise one...LMAO. | |||
| |||
| |||
| |||
"In the flip side people know what they can and can't afford so if they can't they should leave the goods in the shop. Debt isn't all about going on a spending spree or buying stuff that's not needed. Look at the ex army bloke, working his socks off as a taxi driver and suffering ill health .. It's no good telling me he shouldn't have bought into a shared ownership. He didn't seem bright enough to know that he'd end up paying such a high rent to greedy bastard landlords that would then chuck him out. Not everyone is a financial wizard. It's the people who loan money to those who are ill able to pay it back and make money off their backs that should be strung up. Like I said if you can't afford it don't buy it even more so if you are financially inept. Where landlords came into it fuck knows but you are in cloud cuckoo land if you think people should live in someone's house for free. " Borrowers don't know they are financially inept. Lenders don't care. No one thinks they should live for free. He was honest. A worker and wanted to pay. I'm surprised some people aren't outside waving flags and spitting on the evictees. Just pathetic pawns in entertainment for the finger wavers. | |||
| |||
| |||
"In the flip side people know what they can and can't afford so if they can't they should leave the goods in the shop. Debt isn't all about going on a spending spree or buying stuff that's not needed. Look at the ex army bloke, working his socks off as a taxi driver and suffering ill health .. It's no good telling me he shouldn't have bought into a shared ownership. He didn't seem bright enough to know that he'd end up paying such a high rent to greedy bastard landlords that would then chuck him out. Not everyone is a financial wizard. It's the people who loan money to those who are ill able to pay it back and make money off their backs that should be strung up. Like I said if you can't afford it don't buy it even more so if you are financially inept. Where landlords came into it fuck knows but you are in cloud cuckoo land if you think people should live in someone's house for free. Borrowers don't know they are financially inept. Lenders don't care. No one thinks they should live for free. He was honest. A worker and wanted to pay. I'm surprised some people aren't outside waving flags and spitting on the evictees. Just pathetic pawns in entertainment for the finger wavers. " Far from entertainment for anyone and to sink so low as to suggest anyone is entertained by it says a lot and to suggest people want to spit on evictees? Really you would stoop so low as to sugest such a thing to try and score forum points? And this eviction situation you drag out of the either is not what baliffs come to recover moneys on as the house rarely belongs to the individual so it has zero relevence. The facts are people know what they can pay for and what not people are money savvy even he poorest in society so to come that is divisive. Do lenders care? Well no i wouldn't say they care about the individual but to suggest they don't care about their investment and returns is.....well i can't say on here but its farcical to say the least. | |||
