debts or not
Mar 15th 2010, 2:54 am
#31
Banned
Joined: Aug 2009
Posts: 2,733
Re: debts or not
That was obviously for something much more than a debt.
As for mail, if you are getting someone elses mail for their debt, how does it hassle you? just throw it in the bin, it can't damgage your credit rating.
At my old place I used to always get letters for the previous tennants debts, I simply put "not at this address" I then recieved more, so made a complaint to the ombudsman, never recieved any again.
Not my debt, not my problem... why worry about it. Only the person who owns the debt will have their credit rating dammaged, no one else.
As for mail, if you are getting someone elses mail for their debt, how does it hassle you? just throw it in the bin, it can't damgage your credit rating.
At my old place I used to always get letters for the previous tennants debts, I simply put "not at this address" I then recieved more, so made a complaint to the ombudsman, never recieved any again.
Not my debt, not my problem... why worry about it. Only the person who owns the debt will have their credit rating dammaged, no one else.
Mar 15th 2010, 3:05 am
#32
Mostly Harmless
Joined: Jan 2010
Location: Semi-rural wonderworld, Brisbane
Posts: 15,109
Re: debts or not
I try not to judge the feckless people who leave debt behind I just wish they were steralized at the emigration medical as a precaution.
Mar 15th 2010, 3:08 am
#33
Banned
Joined: Aug 2009
Posts: 2,733
Re: debts or not
The "It's not my fault I have massive credit card debts, I really need to go on holiday and buy a brand new car" types that get my goat.
Mar 15th 2010, 3:14 am
#34
Mostly Harmless
Joined: Jan 2010
Location: Semi-rural wonderworld, Brisbane
Posts: 15,109
like the ones on cant afford to eat
, cut to free foodbank and mass scrum of 22 stone porkers stuffing trolleys with free food
Mar 15th 2010, 3:42 am
#36
Lost in BE Cyberspace
Joined: Apr 2004
Posts: 10,375
Re: debts or not
I used to get letters from dept collection agencies because of the former owner of my house. The were addressed to 'the occupier' so I opened them. I used to then phone the companies and give the address of the former owner of my house! The agencies were always a pleasure to deal with.
Mar 15th 2010, 7:02 am
#37
BE Forum Addict
Joined: Jan 2009
Posts: 1,872
Re: debts or not
It's unlikely to be passed onto an Aussie debt collection agency and even if it is there is little they can do, you should pay it if you can but I personally wouldn't lose any sleep over it if you don't, after all it was only the greed of the banks that made them loan you the money, they didn't do it because they felt sorry for you or just wanted to help you out because they're nice, they take the chance and sometimes they lose.
You have choices don't you?No one escorts you to the bank with a gun to your head!
Mar 15th 2010, 7:21 am
#38
Worongary
Joined: Sep 2005
Location: GC hinterland
Posts: 10,288
Re: debts or not
It's unlikely to be passed onto an Aussie debt collection agency and even if it is there is little they can do, you should pay it if you can but I personally wouldn't lose any sleep over it if you don't, after all it was only the greed of the banks that made them loan you the money, they didn't do it because they felt sorry for you or just wanted to help you out because they're nice, they take the chance and sometimes they lose.
where does it say the debts owed to the bank?
and why does taht make any difference
you borrow and you pay it back, reagrdless weather its from auty agnus or the bank of scotland
Mar 15th 2010, 7:38 am
#39
Account Closed
Joined: May 2009
Posts: 2,708
Re: debts or not
Most of these debt collection firms are full of sh!t. Everything that comes out of their mouth is nothing more than rubbish intended to scare people into paying when there isn't a legal obligation.
Mar 15th 2010, 7:43 am
#40
Account Closed
Joined: May 2009
Posts: 2,708
Re: debts or not
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Mar 15th 2010, 8:06 am
#41
Lost in BE Cyberspace
Joined: Feb 2009
Location: UK
Posts: 14,284
Re: debts or not
Actually, half the time they did it becuase it is a product they are trying to sell. Like selling credit cards in shopping centres etc.
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Letters through the post about new credit cards or loan offers have gone into the bin with no repercussions and on the many occasions I have been asked do I want a store card a reply of "no thank you" has always done the trick.
Mar 15th 2010, 8:41 am
#42
Crazy Cat Lady
Joined: Apr 2004
Posts: 65,493
Re: debts or not
Only thing that is worth borrowing money over is a mortgage. Anything else can be saved for.
Just because a 'money grabbing bank or loan shark' offers you money, doesn't mean you take it. If you do, you pay it back. It's very very simple. (imo anyway)
Mar 15th 2010, 8:59 am
#43
Worongary
Joined: Sep 2005
Location: GC hinterland
Posts: 10,288
Re: debts or not
Actually, half the time they did it becuase it is a product they are trying to sell. Like selling credit cards in shopping centres etc.
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
they go into a sack for winter and are used to start the log burner
Mar 15th 2010, 9:10 am
#44
BE Forum Addict
Joined: Jan 2009
Posts: 1,872
Re: debts or not
Actually, half the time they did it becuase it is a product they are trying to sell. Like selling credit cards in shopping centres etc.
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?
Obviously people are asking to go into debt and it's not the manipulative sales techniques...
Mar 15th 2010, 9:19 am
#45
beetroot67
Thread Starter
Joined: Jan 2007
Location: lancashire,england,for now
Posts: 38
Re: debts or not
oh so many opionions all i said was do i leave my debts behind,i never mentioned banks,at the moment i still pay all my debts,there are other debts other than banks and credit cards,eg council tax water rates phone contract etc et.as for sam jones 1999 if THIS country is so great why are you on a forum about australia,knife crime,immegration out of control,nhs dont work,kids cant read or write,no jobs,not so great i think,you need to read thread from jd6969 at least he speaks the truth,as for the banks who did bring the countryto its knees through greed and stupidity,fail at your job,get goverment to bail you out and still get stupid bonusus