What to do, I'm in a credit card mess, please help :-(

[Never-In-Doubt]

Re: What to do, I'm in a credit card mess, please help :-(

Refer them to Arkell v Pressdram

Details here ---> Replying to DCA's - allaboutFORUMS

[Never-In-Doubt]

Re: What to do, I'm in a credit card mess, please help :-(

Not at all, that was a very neat suggestion. I'm thinking of having an official looking * Fuck Off * stamp made for my returned letters

[SaltnVinegar]

Re: What to do, I'm in a credit card mess, please help :-(

But in serious response to the OP

If you have no intention of not returning to the UK in the next 6 years don't worry about it.

Your creditors may try to trace you but tbh for the balances you are talking about they will go after 'easier targets'.

Look at this another way - your creditors did not make a loan to you based on 'trust' in the way you or I would trust someone.

They made a risk/reward decision based on a rigged scoring system that appears to be answerable to no-one, and frequently is on cahoots with the financial industry to twist what is allowed within the law to the absolute limit.

Then they choose to lend to you as a result of this risk/reward decision and the interest rate you pay is a reflection of the risk taken.

In your case the risk/reward decision didn't pay off for them.

Thats life - they should deal with it. But creditors seem to want to have their cakes and eat it, which is if their risk/reward decision turns out to be wrong.

I never used to have such little sympathy, but having dealt with the 'ethical' way in which creditors deal with debtors over the last 3 years I now take a different view.

Enjoy your new life in Thailand!

Best
SnV

[SaltnVinegar]

Re: What to do, I'm in a credit card mess, please help :-(

Not at all, that was a very neat suggestion. I'm thinking of having an official looking * Fuck Off * stamp made for my returned letters

Refer them to Arkell v Pressdram

You wouldn't want your sensitive creditors quoting the protection from harassment act or the communications act!

[PlanB]

Re: What to do, I'm in a credit card mess, please help :-(

Slap ouch!

Not at all, that was a very neat suggestion. I'm thinking of having an official looking * Fuck Off * stamp made for my returned letters

[The Tech Clerk]

Re: What to do, I'm in a credit card mess, please help :-(

I agree. And an official stamp could look a little bit too organised After the first blitz the letters will tail off anyway

Slap ouch!

[PlanB]

Re: What to do, I'm in a credit card mess, please help :-(

Or just don't bother. Why hassle parents?

Just forget this snd tell parents to return your mail to sender.

Easiest option really.

I agree. And an official stamp could look a little bit too organised After the first blitz the letters will tail off anyway

[Never-In-Doubt]

Re: What to do, I'm in a credit card mess, please help :-(

Or just don't bother. Why hassle parents?

Just forget this snd tell parents to return your mail to sender.

Easiest option really.

[The Tech Clerk]

Re: What to do, I'm in a credit card mess, please help :-(

This forum is great, so much support from such knowledgeable people

To Flowerpower, going back to what you said about the redirecting of mail, do you think it would be better to have the letters go to my parents place so they can write on the envelope and return it to sender?

It's just I'm not sure where I could redirect the mail to



Thanks again everyone who has posted with kind words of support :-)

If you go that route, get a stamp made up Return To Sender easier for them?

[mattk1]

Re: What to do, I'm in a credit card mess, please help :-(

This forum is great, so much support from such knowledgeable people

To Flowerpower, going back to what you said about the redirecting of mail, do you think it would be better to have the letters go to my parents place so they can write on the envelope and return it to sender?

It's just I'm not sure where I could redirect the mail to

if you gave your creditors their address as opposed to just setting up redirection through Royal Mail, then they will write to you at their address which makes it very likely they will find out about your debts, if they don't know already.

Thanks again everyone who has posted with kind words of support :-)

[Never-In-Doubt]

Re: What to do, I'm in a credit card mess, please help :-(

Posts deleted.

Let's stay in track guys. This is someone's thread. Leave it be unless related.

Thanks

* I'll wipe this post later once you've read it

[SA Gold]

Re: What to do, I'm in a credit card mess, please help :-(

Hey Matt,

Good thing perhaps your debtors and ex partners were separate - you could bank on hassle from the latter
All jokes aside, i knew someone who had a similar story to you. Moved away and never looked back, no regrets.

[mattk1]

Re: What to do, I'm in a credit card mess, please help :-(

Hey guys,

Sorry for the delay getting back online but I would just like to say a massive THANK YOU to all of you who have replied with kind messages of support and encouragement. Especially to Flowerpower who directed me towards this site

I'd echo everything said. Enjoy your new life.

When you say the debts are yours and your ex partners, whose name are the cards in?

To Vint1954; these debts are all in my name, my ex partner had her own share of cards and problems.

To Paul, no problem I'll keep it to myself that I agree Glasgow Rangers are crap and have no money and are in the shittiest part of the Scottish football league

Lol only kidding :-)

[Paul.]

Re: What to do, I'm in a credit card mess, please help :-(

We don't do abuse or criticism here.

Unless you happen to mention that Glasgow Rangers are crap and have no money and are in the shittiest part of the Scottish football league, hahahahaha, wait til nids reads this, then we will see about abuse

Niddy is a rangers fan btw

But seriously, theres nothing i can add to this, its all been said already.

Take it easy

[vint1954]

Re: What to do, I'm in a credit card mess, please help :-(

I'd echo everything said. Enjoy your new life.

When you say the debts are yours and your ex partners, whose name are the cards in?