Moving to France but have some debts in UK
Jan 8th 2014, 5:17 pm
#46
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Posts: 32
Re: Moving to France but have some debts in UK
I'm trying to feel morally OK with this but I'm struggling. I know moneylenders are the lowest of the low, but - they provide a service to people who need it and when you avail yourself of a service it's only right to pay for it; not doing, makes you no better than they are.
If you want someone to install a fitted kitchen, would you accept his quote and then when you've got your kitchen, you pay him the bare cost of the materials and tell him to go whistle for the rest? No, because everybody knows it costs money to operate a business. He didn't fit your kitchen as a personal favour, loan sharks don't lend you money as a personal favour. They have to make a profit same as any other business, the reason the interest rates are high in the sub prime sector is not because they make huge profits but because they know that only a proportion of debts will be recovered, and the higher the proportion of clients that default, the higher the charges will be for future clients.
If you want someone to install a fitted kitchen, would you accept his quote and then when you've got your kitchen, you pay him the bare cost of the materials and tell him to go whistle for the rest? No, because everybody knows it costs money to operate a business. He didn't fit your kitchen as a personal favour, loan sharks don't lend you money as a personal favour. They have to make a profit same as any other business, the reason the interest rates are high in the sub prime sector is not because they make huge profits but because they know that only a proportion of debts will be recovered, and the higher the proportion of clients that default, the higher the charges will be for future clients.
as you said "... they know that only a proportion of debts will be recovered,"
lets not pontificate or lecture someone who has been ill!
Jan 8th 2014, 5:24 pm
#47
Joined: Jul 2012
Posts: 175
Re: Moving to France but have some debts in UK
"this man"? Have you actually read the thread?
No, it's not morally OK. You take the money, you know the costs. That's not to say I don't think loan sharks should be outlawed.
No, it's not morally OK. You take the money, you know the costs. That's not to say I don't think loan sharks should be outlawed.
Last edited by Harvester523; Jan 8th 2014 at 5:27 pm.
Jan 8th 2014, 6:24 pm
#48
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Posts: 51
Re: Moving to France but have some debts in UK
I'm trying to feel morally OK with this but I'm struggling. I know moneylenders are the lowest of the low, but - they provide a service to people who need it and when you avail yourself of a service it's only right to pay for it; not doing, makes you no better than they are.
If you want someone to install a fitted kitchen, would you accept his quote and then when you've got your kitchen, you pay him the bare cost of the materials and tell him to go whistle for the rest? No, because everybody knows it costs money to operate a business. He didn't fit your kitchen as a personal favour, loan sharks don't lend you money as a personal favour. They have to make a profit same as any other business, the reason the interest rates are high in the sub prime sector is not because they make huge profits but because they know that only a proportion of debts will be recovered, and the higher the proportion of clients that default, the higher the charges will be for future clients.
If you want someone to install a fitted kitchen, would you accept his quote and then when you've got your kitchen, you pay him the bare cost of the materials and tell him to go whistle for the rest? No, because everybody knows it costs money to operate a business. He didn't fit your kitchen as a personal favour, loan sharks don't lend you money as a personal favour. They have to make a profit same as any other business, the reason the interest rates are high in the sub prime sector is not because they make huge profits but because they know that only a proportion of debts will be recovered, and the higher the proportion of clients that default, the higher the charges will be for future clients.
I do believe in Karma and as silly as it may sound, I almost live in fear of doing something 'naughty' because I dread to think what the cost would be to me!! I am not talking about licking the spoon and putting it back in the ice cream, or dropping that fish finger on the floor, picking it up asap and putting it back on the plate (we all do that don't we???), I mean the big stuff which really affects other people. Universal energy and all that. You cannot take take take and not expect to give at some point.
Anyway, debt payments taken care of, Will take twice as long to pay off but hopefully (if they freeze the interest), it will be little over a year; and move planning in place!
I have a good feeling about the move. I was in a blind panic a week ago I have to admit. I had this opportunity staring me in the face and I saw the biggest hurdle of all being the debts preventing me taking it. After some time, some research, some sleep and some perspective, everything is as it should be. Fingers crossed, the creditors will all agree to Payplan's proposal - but I am staying positive. Surely even a reduced amount is better than nothing to them!!
Jan 8th 2014, 6:35 pm
#49
Born again atheist
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: Moving to France but have some debts in UK
Anyway, debt payments taken care of, Will take twice as long to pay off but hopefully (if they freeze the interest), it will be little over a year; and move planning in place!
I have a good feeling about the move. I was in a blind panic a week ago I have to admit. I had this opportunity staring me in the face and I saw the biggest hurdle of all being the debts preventing me taking it. After some time, some research, some sleep and some perspective, everything is as it should be. Fingers crossed, the creditors will all agree to Payplan's proposal - but I am staying positive. Surely even a reduced amount is better than nothing to them!!
Jan 8th 2014, 8:22 pm
#51
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Jan 8th 2014, 8:35 pm
#52
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Location: The Charente - still smiling.
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Jan 8th 2014, 8:45 pm
#53
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Re: Moving to France but have some debts in UK
Basse-Normandie (about 1.5 hours from the grandparents in Brittany).
I will have one English neighbour and one French neighbour, then nobody for miles, so hopefully the distance between us is enough!!
Jan 8th 2014, 8:47 pm
#54
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Re: Moving to France but have some debts in UK
Getting worried yet?
Jan 8th 2014, 9:38 pm
#56
Quien no sabe
Joined: Dec 2012
Posts: 3,989
Re: Moving to France but have some debts in UK
Each administrative region is built up out of a group of departments and equals more paper work and trips to places to file paperwork and hand out numerous copies
Also if a driver is from a department or three away it's considered polite to scream and shout at them and generally wave your arms in disgust if they make simple driver errors.
Last edited by Chatter Static; Jan 8th 2014 at 9:41 pm.
Jan 8th 2014, 9:43 pm
#57
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Re: Moving to France but have some debts in UK
It always used to amuse me when I used to travel to India on business. You for a meeting and they give you a 'chitty' which appears to have nothing of any relevance on it, just a random piece of paper. So that's one job, for the person issuing the chitty. Then you take that with you along a corridor or whatever, and there is usually a man sitting at a table who takes your chitty, throws it away and perhaps might even hand you another chitty (another job) and it goes on. On one particular day I was given a string of 4 chitties before i even got to meet anyone!
Anyway, yes I have some understanding of the 'department' structure in France although first hand experience will no doubt be one to remember!!
And as for the frantic gesticulating.....If that be the case, my hands would never be on the wheel surely!! You should try driving here in Devon. Nobody but nobody seems to understand how to act at a traffic island. They usually seem to hesitate, give way to the left instead of the right, pull out in front of you if you are coming from the right, not move at all until several cars honk at them to do so or pay no heed to the give way code of conduct at all. You should see me gesticulating just doing the school run!!!
Last edited by astitchingtime; Jan 8th 2014 at 9:46 pm.
Jan 8th 2014, 9:54 pm
#58
Quien no sabe
Joined: Dec 2012
Posts: 3,989
Re: Moving to France but have some debts in UK
Yes, but at least it gives people jobs that would otherwise be out of work!!!
It always used to amuse me when I used to travel to India on business. You for a meeting and they give you a 'chitty' which appears to have nothing of any relevance on it, just a random piece of paper. So that's one job, for the person issuing the chitty. Then you take that with you along a corridor or whatever, and there is usually a man sitting at a table who takes your chitty, throws it away and perhaps might even hand you another chitty (another job) and it goes on. On one particular day I was given a string of 4 chitties before i even got to meet anyone!
Anyway, yes I have some understanding of the 'department' structure in France although first hand experience will no doubt be one to remember!!
And as for the frantic gesticulating.....If that be the case, my hands would never be on the wheel surely!! You should try driving here in Devon. Nobody but nobody seems to understand how to act at a traffic island. They usually seem to hesitate, give way to the left instead of the right, pull out in front of you if you are coming from the right, not move at all until several cars honk at them to do so or pay no heed to the give way code of conduct at all. You should see me gesticulating just doing the school run!!!
It always used to amuse me when I used to travel to India on business. You for a meeting and they give you a 'chitty' which appears to have nothing of any relevance on it, just a random piece of paper. So that's one job, for the person issuing the chitty. Then you take that with you along a corridor or whatever, and there is usually a man sitting at a table who takes your chitty, throws it away and perhaps might even hand you another chitty (another job) and it goes on. On one particular day I was given a string of 4 chitties before i even got to meet anyone!
Anyway, yes I have some understanding of the 'department' structure in France although first hand experience will no doubt be one to remember!!
And as for the frantic gesticulating.....If that be the case, my hands would never be on the wheel surely!! You should try driving here in Devon. Nobody but nobody seems to understand how to act at a traffic island. They usually seem to hesitate, give way to the left instead of the right, pull out in front of you if you are coming from the right, not move at all until several cars honk at them to do so or pay no heed to the give way code of conduct at all. You should see me gesticulating just doing the school run!!!
Jan 8th 2014, 9:58 pm
#59
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Re: Moving to France but have some debts in UK
Well don't forget at un white lined junctions here priority is to the right which means some old folk really struggle with roundabouts. Our village has a whole bunch of junctions where down hill traffic has priority, all three way intersections a marked out in a most confusing manner
Oh what Joy!
Jan 8th 2014, 10:10 pm
#60
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Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: Moving to France but have some debts in UK
Hmm, a home from home for me then by the sounds of it. I think that is the general problem here. There are a lot of 'older' people and they dither and are unsure. They say, everything in life happens for a reason, maybe living here for a while was like a 'trial run' or training session for France!!
Oh what Joy!
Oh what Joy!
Paris is a bit less doddly.