Freaking Creditors

[JPaul]

It's amazing here, the number of financial experts is quite extraordinary.

Even more so for a BT trading site.

[Rat Faced]

Lighten up.

Everyone fucks up occasionally, none of us are perfect except JP


Edit:

JPaul, as always, you have perfect timing

Post edited to show so.

[pentomato]

I thought only parents had the right to be that much moralizing

I'm tired of people playing victim and not taking responsibility.

Let's see when banks start taking responsability and stop giving credit cards to people that can't afford them.

[JPaul]

I'm tired of people playing victim and not taking responsibility.

Let's see when banks start taking responsability and stop giving credit cards to people that can't afford them.

Yeah it's the banks fault that people spend money they can't afford on credit cards they can't service.

[Skweeky]

Let's see when banks start taking responsability and stop giving credit cards to people that can't afford them.

Yeah it's the banks fault that people spend money they can't afford on credit cards they can't service.

To be honest mate, a lot of people get suckered into it, let's be fair. I worked in the industry for a while and it's not pretty what goes on there.

And I agree with squeams; take it as a valuable, yet painful lesson and cut your losses as much as you can. Little hint: Most creditors allow their employees to negotiate their own settlement figures, and most of these employees work towards a commission. If you phone a company at the end of the month you are more likely to get someone who already hit his or her target and will be more lenient. Also, don't be afraid to phone in several times and speak to different people until you get an agreement out of them. Three quarters of the time the person you spoke to previously won't have logged the exact details of the conversation anyway.

Good luck with it.

[JPaul]

Yeah it's the banks fault that people spend money they can't afford on credit cards they can't service.

To be honest mate, a lot of people get suckered into it, let's be fair. I worked in the industry for a while and it's not pretty what goes on there.

I think that's an abrogation of personal responsibility. People buy shit they don't need and can't afford then it's someone else's fault they did it and can't afford to service the debt.

[Rat Faced]

Not everyone is "responsible".

Common Sense is by no means that common.

[Alien5]

Credit: You only need to google "shopping catalogs" to see the amount of links from company's pissing their pants in anticipation of making another poor person bankrupt, cunts.

[pentomato]

Let's see when banks start taking responsability and stop giving credit cards to people that can't afford them.

Yeah it's the banks fault that people spend money they can't afford on credit cards they can't service.

Yes it is, why would a bank give anyone a credit card with $20000, if they don't even make $15000 a year? They just don't care, that's why some people are loosing their houses, most people could never afford them and the banks would tell people instead of writing down you make $1000 a month, lets put that you make $3000. They do it with car loans too.
It is about personal responsability, but banks too, they just prey on people's needs, most people would never be able to have a good car or a house without credit, banks just take advantage and after a while the interest from 8 per cent goes to 24 or more.

[chalice]

Yeah it's the banks fault that people spend money they can't afford on credit cards they can't service.

Yes it is, why would a bank give anyone a credit card with $20000, if they don't even make $15000 a year? They just don't care, that's why some people are loosing their houses, most people could never afford them and the banks would tell people instead of writing down you make $1000 a month, lets put that you make $3000. They do it with car loans too.
It is about personal responsability, but banks too, they just prey on people's needs, most people would never be able to have a good car or a house without credit, banks just take advantage and after a while the interest from 8 per cent goes to 24 or more.

So, either,

A. You've had a brain transplant.

B. You've discovered the wondrous and aesthetic benefits of spellcheck.

C. They've found a cure for spastics.

D. Your mum is posting for you now.

E. Your account has been hacked to the max.

Whichever it is, doesn't it feel better to make a coherent post for once?

Well done.