First direct logistics

[ODC]

I have found a good way to prevent this type of thing is to pay my debts as they fall due.

It seems strange to me that people get into debt and then complain when they don't pay the money back and get chased for it. It's quite funny really.

Borrow money- pay it back. Simple.

 

I don't work for a debt recovery company, or have any ulterior motive. I am just a little bemused as to why people feel they can run up debts and not have to pay them back.

Or even, borrow money and leave the address without letting the creditors know, leaving family to clean up the mess and deal with irate people on the phone and enough mail to wipe out an entire rain forest.

Things must be slack with the DCAS as they seem to be spending a lot of time on here pontificating and spouting the usual DCA propganda. Good for you Paid Up. Lets hope you never experience Unemployment. Ill Health or a broken marriage.

[ODC]

I did not address my response to any individual- including the original poster. Nor did *I* direct any personal attacks against any individual poster.

If anyone has read it that way, that's their problem to own.

 

I have never commented on the 'legal right' of any debt collection agency.

 

It is, however, against the law to take out credit and not pay it back. It's called fraud. Sorry but what part of The Fraud Act do you get that from. Its Fraud only if you take out a loan with the intention of not paying it back.Funny how we have to look at everyone *other* than the debtors here isn't it? Although you SAY you do not work for a DCA your mantra seems so similar its hard not to draw the obvious conclusion.

Only confirms what I thought already.

 

 

As for the poster who has had a crad through for her estranged husband- I am in a similar situation. So why on earth would I direct any negative comments to them? So you say

 

I had a card through from First Direct Logistics regarding my ex. I found this site because the card looked suspect- I googled it, and this site came up.

 

Yea, it's pretty awful to look at the possibility of losing your home because you married someone was was stupid enough to get into debt *that they could not afford to pay back*. No-one sets out to get into debt, most people on here except for you obviously have got into debt for a number of reasons no of which could be classed as 'stupid'. I did not ask for my company to fold, I did not ask to have a serious medical condition nor a marraige breakup as many on here have suffered.(I get into debt too. I pay it back. That's the difference)Would that we were all so lucky as you

It is unfortunate that some irresponsible people rack up debt and leave their families in the 'poop'.

All I can say is that HFO were very nice to me especially when I told them where my ex was.Well that just goes to show their is an exception to every rule. Read the numereous threads on here to see the real 'caring' and 'not so nice' side of HFO

 

As for responsibility for the debt... did you sign anything? If not then you're pretty safe. My ex's debt is all on credit cards, in his name alone, from which I had no benefit. So, no, legally they cannot chase me. Doesn't stop them coming after my ex's half of the equity in the family home though. What do they do, leave me with two walls and half a roof?

 

The law, when it comes to debt, and in particular *avoidance* of paying debt, sucks big time. Thanks for the confirmation

 

As for DCA's chasing people who do *NOT* owe money- well that is obviously wrong, and at no point have I ever condoned that. I feel I have nade it quite clear that my opinion is that DCA's have a job to do to chase debtors that are refusing to pay back money they owe. Simple.

It happens and you KNOW it happens. There is nothing wrong with people excercising their LEGAL rights under the CCA. Similarly there is nothing arong with a DCA excercisng their Legal rights assuming of course they have Legal rights such as an executed agreement and deed of assignment.

[ODC]

If people have the *intention* of paying their debts back why do they fail to provide a forwarding address to the creditor and then think it's clever to change their telephone numbers? The majority on here are still living in the same house. The main reason people tend to change their telephone numbers is to prevent the Unlawful Threatening calls these DCAs want to make

 

Again, you insist on personal attacks and insist I work for a DCA, which I have said I do not.

So, now you resort to saying I am lying because you can't accept the truth?Only you know the truth as to who you are

 

My company folded in June 2006. My marriage had already broken down and I was in the middle of a divorce. Yea, I am soooo *lucky*. I am not posting that for sympathy, because I really do not want it. I just don't think that using bad personal circumstances as justification for debt is not always the case. (obviously, I do not know your situation, so that is not directed at you)So are you suggesting that a series of unfortuante events such as losing one's job, home and health is no reason for not being able to pay your debts. If you lose a job along with the ability to work where else do you suggest we get the money to pay our debts.:?

 

As for DCA's. If the bank had been paid back in the first place, they would not have sold the debt on would they?You really do not seem to have grasped anything which has been said. Contrary ro you allegations the site does NOT condone debt avoidance. Most of us here would have paid our debts had we been able to.

 

Smashedbobo, I have not directed any comments at you personally. I am really genuinely pleased for you that you have managed to get through what must have been a horrendous time- and that shows great strength.

I am also really disgusted that a DCA has now started chasing you for money which you do not owe.A lot of people on here are being chased for debts they do not actually owe just because they have a similar name to someone the DCA is looking for

Again, my comments were not directed at people in that situation, but rather generally to state that I understand why DCA's become involved when people are deliberately avoiding their debts.No one is saying that DCAs should not get involved is chasing debt so long as they abide by the law which sadl the majority do not appear to want to do so. Again I have to point out to you that most people on here are not deliberatel avoiding their debts and have no desire to be treated like **** by some jumped up bully in a call cente

 

As far as I am aware this is a public forum, and when a thread is started, it is 'public'. It's an unfortunate fact of posting on a forum that you have to take the good with the bad. If you see mine as 'bad', then you are quite entitled to ignore me. I won't be offended in the least.

 

I do not mean any offence to you, or any individual here. I haven't attacked anyone here. I have merely stated my opinion based on my own experiences of being severely affected by debt.

 

I can see some here think I live in a happy 'little world', but those people are making assumptions which couldn't be further from the truth.

I have been dealing with this for 15 years now- personally, and NOT because I am on the 'other side' which is being continually stated by some on here, even though I have clearly stated that I am not working for a DCA.

 

Debt destroys lives. I am sorry if I have caused personal offence because that was not my intention. I have not personally attacked any individual on here despite being attacked myself.

DCAs destroy lives