Anger as Government says people heavily in debt can pay off bailiffs with credit cards

[spamheed]

Anger as Government says people heavily in debt can pay off bailiffs with credit cards - Telegraph

 

"A low income family putting a debt of £1,000 on a credit card charging interest at 40 per cent, would have to pay an extra £400 of debt every year."

 

The scary thing is, this example would still work out cheaper than the charges applied by many bailiffs

[andydd]

Anger as Government says people heavily in debt can pay off bailiffs with credit cards - Telegraph

 

"A low income family putting a debt of £1,000 on a credit card charging interest at 40 per cent, would have to pay an extra £400 of debt every year."

 

The scary thing is, this example would still work out cheaper than the charges applied by many bailiffs

 

This would appear to contradict OFT advice.

[RaeUK]

You should never pay off a debt by creating another one...

Rae.

[wonkeydonkey]

and do the government say how a low income family with ccj's would get a credit card?

[ploddertom]

and do the government say how a low income family with ccj's would get a credit card?

 

They don't need to as they can create a department solely to deal with the issuing of Government backed cards which will have a minimum £10k limit ah bu@@er they already have these only they deal with Tax Credits and CSA8-)

 

PT

[robtheplod]

Speaking from the other side for a moment...... I don't really care where the money comes from just as long as it is paid. Two sides to every story etc!

[silverfox1961]

Speaking from the other side for a moment...... I don't really care where the money comes from just as long as it is paid. Two sides to every story etc!

 

 

Hmm interesting

So, a debtor puts a bailiffs charges on a credit card because they couldn't pay in full or in installments. They then can't afford to pay the credit card bill so they get taken to court. They can't afford to pay the judgement so the bailiffs go in. Do you see where this is going?

[caro]

Having been in the situation of racking up cc debt just to pay the bills and feed the family I find this disgusting.

 

There are 2 other things though.

 

1. If people are in the situation of having bailiffs at the door I doubt they'll have money available on cards anyway.

 

2. If they DO have money available on cards, I suspect they'd do as I used to do, which is take cash advances (until that line of credit dries up) at even higher interest rates than by paying directly.

 

This does nothing to help people out of debt and is immoral!!

 

Rob, I always try to see both sides and that people in the finance industry are just doing a job to earn a living, and have not been sufficiently educated or trained to do the job properly or maybe even to uphold the law. If that is genuinely your attitude and the attitude of those in the industry, then perhaps I haven't been fair to all those people who have vented their anger on CAG, and who I thought were just letting off steam.

[spamheed]

It's just another demonstration of the level of contempt that the government feel for the general populace.

 

They aren't clueless, they are calculating and devious when it comes to systematically dismantling this country and they know exactly what they are doing when it comes to supporting the ailing financial systems.

 

They are now even breaking their own rules in order to further punish the most vulnerable.

[BankFodder]

How stupid. It is quite clear that the better option would be for people to be allowed to pay of their debts with Payday Loans . If the banks and credit card companies support this credit card idea, then it seems to me that this would amount to irresponsible lending

[spamheed]

So in the current climate and with the current guidelines/legislation and if the bailiffs and such were allowed to collect from a debtor in this manner, ie being forced to use a credit card to pay.

 

I wonder whether this would be verging on the common charge of "living off illegal earnings" or would it be covered by the proceeds of crime act.

 

Could it possibly be that the Government is actually doing us all a favour and is potentially herding bailiffs and Debt Collectors into the same category as prostitutes, pimps, drug dealers and rent boys, where their occupations are illegal but their earnings are taxable :p:p

[robtheplod]

Hmm interesting

So, a debtor puts a bailiffs charges on a credit card because they couldn't pay in full or in installments. They then can't afford to pay the credit card bill so they get taken to court. They can't afford to pay the judgement so the bailiffs go in. Do you see where this is going?

 

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

[spamheed]

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

 

 

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It would seem that we have a bailiff who loves "the thrill of the chase" rather than just picking on the weakest ones and maxing out on the charges.

 

how novel!

[caro]

This is very very selfish I know, but it moves the problem, and resolves it for me. My debtor can pay but chooses not to, so I have no quibbles about this at all...

 

It isn't a case of CHOOSING not to, but if they are paying by credit card they are simply moving the debt from one place to another, and probably at greater cost to themselves, IF they have access to a cc.

[ErikaPNP]

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It would seem that we have a bailiff who loves "the thrill of the chase" rather than just picking on the weakest ones and maxing out on the charges.

 

how novel!

 

Rob isn't a bailiff.....he's been done over in a car deal and is looking to get what he feels is due to him, he has been seeking advice on CAG with this issue.....

[robtheplod]

I assume that from such a sweeping statement, that, in the name of gamesmanship, you take the time to vet all of your clients to ensure you only get the ones who can afford to pay but choose not to?

 

It's a dodgy garage, so I have no scrupples about this as they ripped me off. I would never do this if the action was not justified.

[caro]

I must admit Rob, I had a look at your posts to see where you were coming from. Your post came across that you didn't care how people paid bailiffs as long as they pay and to hell with the consequences.

 

I see that you are actually owed money, but please think about those people in genuine difficulty through no fault of their own who are being harassed for payments they don't have.

[robtheplod]

I must admit Rob, I had a look at your posts to see where you were coming from. Your post came across that you didn't care how people paid bailiffs as long as they pay and to hell with the consequences.

 

I see that you are actually owed money, but please think about those people in genuine difficulty through no fault of their own who are being harassed for payments they don't have.

 

Certainly. I have read lots of posts and do have sympathy with the situations people find themselves in. I don't mean to sound uncaring at all and my posts relate to my situation only... Just thought it would be an idea to post from the perspective of someone who is 'on the other side' of this and equally frustrated!

[Dodgy Geezer]

Hi Rob.

 

Have you sent that Stat Demand yet ???????

[caro]

Certainly. I have read lots of posts c and do have sympathy with the situations people find themselves in. I don't mean to sound uncaring at all and my posts relate to my situation only... Just thought it would be an idea to post from the perspective of someone who is 'on the other side' of this and equally frustrated!

 

Fair comment and thanks for the input.

 

I don't know, but I would guess that most bailiffs aren't called in by individuals claiming from businesses, rather than the other way round.

[hallowitch]

It's a dodgy garage, so I have no scruples about this as they ripped me off. I would never do this if the action was not justified

 

If i was in your situation and had given the garage owner every opportunity to pay this i would do exactly the same as you

Edited January 24, 2010 by hallowitch

[spamheed]

Rob isn't a bailiff.....he's been done over in a car deal and is looking to get what he feels is due to him, he has been seeking advice on CAG with this issue.....

 

 

I stand corrected and rightly so, My beef is with those who would make a living out of the misfortune of others, not with someone who is seeking justice through the courts.

 

No offence intended

[High Court Enforcer]

Fair comment and thanks for the input.

 

I don't know, but I would guess that most bailiffs aren't called in by individuals claiming from businesses, rather than the other way round.

 

Rob is using an HCEO and you'd be wrong Caro.

 

Most judgments that are enforced by HCEOs are against businesses, usually on behalf of other businesses.

[spamheed]

Rob is using an HCEO and you'd be wrong Caro.

 

Most judgments that are enforced by HCEOs are against businesses, usually on behalf of other businesses.

 

Which begs the question, since you are "allegedly" an HCEO, why do you have so much to say on a forum which specialises on consumer related debt?

 

Why not go and troll a business debt forum, where your more specialist knowledge would not continually let you down as it does here?

[High Court Enforcer]

Which begs the question, since you are "allegedly" an HCEO, why do you have so much to say on a forum which specialises on consumer related debt?

 

Why not go and troll a business debt forum, where your more specialist knowledge would not continually let you down as it does here?

 

Spamheed no matter what I say you will never agree.