debts or not

Old Mar 15th 2010, 3:54 am
  #31  
Banned
 
Joined: Aug 2009
Posts: 2,733
Lord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond repute
Default Re: debts or not

Originally Posted by canadaeh View Post
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.
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.
Lord_Farquar is offline  
Old Mar 15th 2010, 4:05 am
  #32  
Mostly Harmless
 
DeadVim's Avatar
 
Joined: Jan 2010
Location: Semi-rural wonderworld, Brisbane
Posts: 15,109
DeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond repute
Default 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.
DeadVim is offline  
Old Mar 15th 2010, 4:08 am
  #33  
Banned
 
Joined: Aug 2009
Posts: 2,733
Lord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond reputeLord_Farquar has a reputation beyond repute
Default Re: debts or not

Originally Posted by DeadVim View Post
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.
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.
Lord_Farquar is offline  
Old Mar 15th 2010, 4:14 am
  #34  
Mostly Harmless
 
DeadVim's Avatar
 
Joined: Jan 2010
Location: Semi-rural wonderworld, Brisbane
Posts: 15,109
DeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond reputeDeadVim has a reputation beyond repute
Default Re: debts or not

Originally Posted by Lord_Farquar View Post
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.
Ah, yer typical Today Tonight "Aussie Battler"
DeadVim is offline  
Old Mar 15th 2010, 4:37 am
  #35  
Lost in BE Cyberspace
 
Joined: Apr 2004
Posts: 10,375
jad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond repute
Default Re: debts or not

Originally Posted by DeadVim View Post
Ah, yer typical Today Tonight "Aussie Battler"

Aussie battlers like the ones on cant afford to eat, cut to free foodbank and mass scrum of 22 stone porkers stuffing trolleys with free food Classic battler.
jad n rich is offline  
Old Mar 15th 2010, 4:42 am
  #36  
Lost in BE Cyberspace
 
Joined: Apr 2004
Posts: 10,375
jad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond reputejad n rich has a reputation beyond repute
Default Re: debts or not

Originally Posted by Lord_Farquar View Post
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.
After a month or so of returning mail to sender we got all the to 'the owner' or 'the occupier' mail regarding the debts. Most of them were not even glued down, anyone could read them, I reckon the neighbours did, they knew all about it too.
jad n rich is offline  
Old Mar 15th 2010, 8:02 am
  #37  
BE Forum Addict
 
Joined: Jan 2009
Posts: 1,872
livinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond repute
Default Re: debts or not

Originally Posted by Lucky Lucan View Post
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.
Thats a ridiculous thing to say!No one "makes"you loan money.They did it because the OP asked!You have choices don't you?No one escorts you to the bank with a gun to your head!
livinginreality is offline  
Old Mar 15th 2010, 8:21 am
  #38  
Worongary
 
steve`o's Avatar
 
Joined: Sep 2005
Location: GC hinterland
Posts: 10,288
steve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond repute
Default Re: debts or not

Originally Posted by Lucky Lucan View Post
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.
what a complete selfish tosser you are

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
steve`o is offline  
Old Mar 15th 2010, 8:38 am
  #39  
Account Closed
 
Joined: May 2009
Posts: 2,708
Deancm is an unknown quantity at this point
Default Re: debts or not

Originally Posted by jad n rich View Post
I assume some of the other debt was larger and at least one company obviously took it from letters to lawyers to court to police. It took several months to escalate but more than one company were like a dog with a bone.
Firstly, Police don't have anything to do with civil debt. So, if Police were there it was nothing to do with debt. If a debt was from a court judgement then the Sheriffs will get involved. They do a similar job to the court bailiffs in the UK.

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.
Deancm is offline  
Old Mar 15th 2010, 8:43 am
  #40  
Account Closed
 
Joined: May 2009
Posts: 2,708
Deancm is an unknown quantity at this point
Default Re: debts or not

Originally Posted by livinginreality View Post
They did it because the OP asked!You have choices don't you?No one escorts you to the bank with a gun to your head!
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...
Deancm is offline  
Old Mar 15th 2010, 9:06 am
  #41  
Lost in BE Cyberspace
 
Bermudashorts's Avatar
 
Joined: Feb 2009
Location: UK
Posts: 14,284
Bermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond reputeBermudashorts has a reputation beyond repute
Default Re: debts or not

Originally Posted by Deancm View Post
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...
Perhaps I am incredibly lucky but I have NEVER been made to take out a credit card I did not want or take on a loan I could not afford to pay back.

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.
Bermudashorts is offline  
Old Mar 15th 2010, 9:41 am
  #42  
Crazy Cat Lady
 
moneypenny20's Avatar
 
Joined: Apr 2004
Posts: 65,493
moneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond reputemoneypenny20 has a reputation beyond repute
Default Re: debts or not

Originally Posted by Deancm View Post
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?
.
Yup, received a few. They all got ripped up and thrown out, even when I've been totally broke. If you can't afford it you don't get it is the way I was brought up and my kids are learning the same lesson.

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)
moneypenny20 is offline  
Old Mar 15th 2010, 9:59 am
  #43  
Worongary
 
steve`o's Avatar
 
Joined: Sep 2005
Location: GC hinterland
Posts: 10,288
steve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond reputesteve`o has a reputation beyond repute
Default Re: debts or not

Originally Posted by Deancm View Post
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...
o i love the letters from the bank credit card companies etc etc ,
they go into a sack for winter and are used to start the log burner
steve`o is offline  
Old Mar 15th 2010, 10:10 am
  #44  
BE Forum Addict
 
Joined: Jan 2009
Posts: 1,872
livinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond reputelivinginreality has a reputation beyond repute
Default Re: debts or not

Originally Posted by Deancm View Post
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...
Give me a break please!Yes actually I have had those letters asking me if I want a loan of X amount of £'s,and surprise surprise,I tore it up and put it in the recycling.I have said this before on similar threads.If you live within your means,you don't need a credit card,bank loan ect.A morgage is different,but even thats a choice,you can rent.I recently brought myself a nice little car than,shock horror,I saved for!Anyone remember that word "saving"?I guess there must be alot of weak willed gullible people out there!Thank god I'm not one of them!
livinginreality is offline  
Old Mar 15th 2010, 10:19 am
  #45  
beetroot67
Thread Starter
 
Joined: Jan 2007
Location: lancashire,england,for now
Posts: 38
jeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nicejeanettetlw is just really nice
Default 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
jeanettetlw is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell or Share My Personal Information -

Copyright © 2023 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.