Question about debts being sold to a DCA

[labman]

Re: Question about debts being sold to a DCA

Totally agree again - I think we've found something we agree on! lol

Fortunately I'm of an age where I got a grant for my first degree and Post Grad qualification. I funded my two Masters degrees and various other odds and sods.

My debt was caused purely through ill health.

However, I've literally just come off the phone on behalf of a client from HSBC who's solution to her debt problem was to lend her further money. What idiots! Anyone with a functioning brain can surely see that repeated rescheduling of loans suggests the person has problems, and further lending is not usually the answer to those problems.

In my situation I voluntarily went to a basic bank account, with no overdraft permitted and cut up all my credit cards. Now, if we haven't got the money, we go without it. Simple.

We live simple, but comfortble lives and don't really lack for anything.

Sadly, many think the country owes them a fantastic lifestyle - they know their rights, but few of their responsibilites.

I have been absolutely gobsmacked by another client who has gone through a separation and is getting over £2500 per month in benefits, BEFORE she gets paid for the 16 hours work she does as a cleaner. The system is absurd, and for me has lost all credibility with that case.

[Guest]

Re: Question about debts being sold to a DCA

How can anyone get any benefits let alone £2500 while working. I understsood in-work benefits is tax credits.

You did two Masters, thats quite an accomplishment, what did you read & what uni?

[labman]

Re: Question about debts being sold to a DCA

There's a lot of truth in the saying the best university is the university of life though.

I know plenty of people with lots of brains and no common sense!

[Guest]

Re: Question about debts being sold to a DCA

I dont know anyone who has studied at the uni of life, but i like to think I have common sense. I studied for a bachelors in marine geology at Loughborough but that was all parental pressure. After graduating I worked in oil exploration as a deep sea diver for BP in the Middle East. I had a career change and decided to become a pilot and worked for Britannia on their 737s and later their 767s. They wouldn't give me a long haul command because I was considered too young, so I applied over the internet to fly for Emirates who invited me invited in for a sim check and offered me the Boeing 777. At 41 I finally got my stripes and my first command on a big bird, a B777 from Dubai to Lahore Pakistan. I'm now working on the big A380 which I am type rated, but my first command is unlikely any time soon because I don't have enough seniority compared to other pilots my age. I'm usually jump seating to accumulate the hours flight experience on the type. As the A380 are few in number, I had plenty of time to study for a law diploma in Tax Trusts and Estate Planning. The qualification is recognised by the Solicitors Regulation authority so that qualifies me to call myself a Lawyer. However, I'm not a solicitor because I would need an LLB and do several years apprenticeship. Im too old for all that now so I'll stick to flying. I have been offered to take the oath to become a magistrate sitting on the bench at Ealing. It's a rubber-stamp job processing drunks and druggies hauled in by the police the night before. The trouble with me is I have a low boredom threshold, but I do enjoy helping people who are less fortunate, so I might do the debt practitioners diploma next year.

[bluebottle]

Re: Question about debts being sold to a DCA

It was a bit like that at Horseferry Road Magistrates Court when I was a copper in Central London, rubber-stamping drunks and druggies. It used to pee me and the other coppers off because we knew we'd be nicking them and putting them in front of the magistrates again a couple of days later. Now, if it was a kiddie fiddler or a distraction burglar who had ripped off an 80 year-old OAP of their life savings, you knew they'd be remanded in custody and be in front of Knightsbridge Crown Court a few weeks later and they'd go down for a stretch. That was satisfying, because they are below scum - they aren't even human.

[Guest]

Re: Question about debts being sold to a DCA

Being a cop you get to see the action on the front line. That is something I would quite enjoy if I could choose my career again. The closest I came was in 2007 when I had a drunken hysterical passenger who stabbed a member of the cabin crew with a plastic knife. I was still parked at the gate and ready for pushback when I took the call from the purser. I declared a medical emergency, put my 1st officer in command and ordered the bridge to return to the aircraft. Cabin crew are mostly Arabian and Asian women and not built to restrain wild passengers so I left the cockpit and went out back to the economy cabin. I found the passenger in hysterics shouting and screaming Arabic gibberish so I grabbed him out of his seat, dragged him by the scruff the through economy cabin and slung him off the flight to a round of applause from the other passengers. My crew member was slightly hurt but vividly shaken but protocol required I relieve her from duty. After that, I pushed back and continued with the flight after filing an incident report. A week later I was summonsed to head office in Dubai to receive my reward. It was an official warning.

[enquirer]

Re: Question about debts being sold to a DCA

My car insurance this year went from £320 pa to a renewal quote of over £900. Explain that!

They rely on two things.

Firstly, direct debits - a terrifying number of people don't even check these things. Once it's gone, it's a policy cancellation and penalties.

Secondly, have you noticed that renewals are now sent out very close to the expiry date? Most people don't mark expiry dates on the calender and think ahead. A lot of renewals are therefore done in a rush.

These firms are thoroughly dishonest.

[bluebottle]

Re: Question about debts being sold to a DCA

Being a cop you get to see the action on the front line. That is something I would quite enjoy if I could choose my career again. The closest I came was in 2007 when I had a drunken hysterical passenger who stabbed a member of the cabin crew with a plastic knife. I was still parked at the gate and ready for pushback when I took the call from the purser. I declared a medical emergency, put my 1st officer in command and ordered the bridge to return to the aircraft. Cabin crew are mostly Arabian and Asian women and not built to restrain wild passengers so I left the cockpit and went out back to the economy cabin. I found the passenger in hysterics shouting and screaming Arabic gibberish so I grabbed him out of his seat, dragged him by the scruff the through economy cabin and slung him off the flight to a round of applause from the other passengers. My crew member was slightly hurt but vividly shaken but protocol required I relieve her from duty. After that, I pushed back and continued with the flight after filing an incident report. A week later I was summonsed to head office in Dubai to receive my reward. It was an official warning.

I would have done exactly the same thing, in the same circumstances, HC. Occasionally, I would come across senior officers, mainly chief inspectors and superintendents who, putting it bluntly, should never have been promoted to the rank they held. I was once given a rollicking for arresting a drunk who, if they hadn't been stopped, would have probably ended up dead at the bottom of a 180-foot deep dry dock or been fished out of a major river by one of the police launches.

[labman]

Re: Question about debts being sold to a DCA

It obviously happens in all jobs. I got into trouble as a teacher for rugby tackling a boy to the ground who was doing a runner from school in blind rage, and was about to run across a busy main road where he would undoubtedly have been seriously injured, and quite possibly killed.

The parents, instead of thanking me and apologising for my cut legs, tried to get me done for assault.

Absolutely ridiculous. Would I do the same again? Too right I would. Sometimes the world really has gone crazy.