Crouchie's Lawyer

You came to that conclusion all by yourself you big boy you :rollyeyething:

How the client gets the upfront fee is not up to me, whether they borrow it from friends and family, put it on a different credit card, use savings or pay in 3 monthly installments - there are options. And lets say that person who is paying £750 upfront has 1 loan of £7500 at £200 p/m and two credit cards totalling £7500 (presuming a minimum payment of 3% per month would equate to £225 p/m for the two credit cards) they will be possibly clearing £15k of debt which they pay a combined £425 on and reducing it to £1750 which on a credit cards would work out at £52.50 per month. I think that significantly improves their finances, so if they want tobe in that position, they find the upfront fees. Again WSS, you are not interested in it so I dont really care about your opinion, it makes no difference to me.

Then how is it that over £1m of debt has been cleared. If it doesnt apply to you then your opinion means squat to me. I havent got a clue what you are pointing out here? The company name is credit issues. My personal website is http://www.thedebtfairy.co.uk which is in affect a redirect to the credit issues site. The company is not called the debt fairy. :confused: Right, the fee's are £450 for the first agreement you want to challenge yes, with a further upfront fee of £150 for every other agreement you have. If once the agreements have been looked over they are deemed to be enforcable, you get all the upfront fee's back other than £50 per agreement which covers the solicitors time spent so far (to be honest it doesnt even cover that so CI would be making a loss). You would also get that back if you cancel within the allotted time period or it is deemed that you will be no better off with proceeding (for example if your balance was minimal). You are only charged the £1000 when your first challenged agreement is successfully wiped or reduced and you only pay this once. So if you had 3 credit cards and they were all successfully wiped you would pay a total of (£450 + £150 + £150 + £1000) £1750. If the case doesnt go to court it is because they have deemed it to be enforcable which means you will get your refund anyway so I fail to see why you think they are just taking the upfront fee's. The only reason the upfront fee's are charged is to get the clients commitment to credit issues, otherwise credit issues would do all the hard work and the client could be using 3 or 4 companies at the same time with the idea of only finalising with the quickest one, meaning there would be a lot of costs and time incurred for no reason, so the upfront fees are to protect against this. And in regards to your last comment, how can (ignoring your moral views on it) reducing someones debt be a bad thing? Or deemed not caring for the client???

Coming from a rascist that cuts likea knife. They are illegal, so no. What I am advertising is not illegal. It is a job which pays Rattlec*ck, Im sure you dont do your job for free. And it is well within the law so I am no cheat eiether. hth Well done you. I doubt you have ever had cancer either, but doesnt mean that people are not unlucky enough to find themselves in a position where they are immune from it! You cannot say that all the people in the world struggling from debt deserve it. As for the payment protection arguement, thats carp too as most policies only pay out after a defer period and only pay out for a limited time. What pays the bills until the policy pays out? Or after it stops? What about people who get made bankrupt? And suffer for the rest of their lives due to bad credit? I know people who have been previously made bankrupt and have come out the other side worked their asses off and become millionaires but cannot get credit because of their credit records. Given the choice Im sure they would takethis option over bankruptcy. Big words Barto. Very lounge-esque. If you cannot join in the big boy conversation and add merit to it, then dont bother at all. At the end of the day, I know this is not everyones cup of tea. People will be dead against it and others will see it as a saving grace. But it is not illegal and there are people out there who will take advantage of it. I am merely passing the information on.

Pancake if there is an industry for it, people will do it. I respect your views but not everyones views are the same and there are people out there that will want to do this.

Everyone is entitled to an opinion, however if there were not people doing it there would not bea market for it. There are situations where this can be beneficial. Single parents who are struggling to put food on the table from debts they incurred when they could previously afford it (like when they had a partner, or a job but have since been made redundant) and by clearing these debts they can breathe easier and other similar situations. Just because your moral views dont believe in this doesnt mean it is not right. How about someone taking out debt but not realising how much it will cost them due to incorrect agreements. Is that right? Considering the size of the banks which have made these agreements and the resources openly available to them, you would think they would have the ability to get the agreements right and to comply with law! Sorry Barney but you talking carp here. The company is entitled to no grants or anything of the like. It is set up part owned by a firm of solicitors and is a company regulated by the Office of Fair Trading and Ministry of Justice. Just because this may not be your 'thing' doesnt mean to say thatit cant and wont be a vital tool in helping others. I would imgaine the majority of people who poo poo this and call the people who do it 'pikeys' are people who have never really been swamped in debts and struggling.

There was a thread on here some time ago, possibly before the server change about the credit consumer act and how there are holes in many of the credit agreements signed on unsecured debts (credit cards, store cards and personal loans) before 6th April 2007 enabling people to have their debts deemed unenforcable and wiped in a court of law. I couldnt find it so I guess it was before the server change, so I have started this thread. I fully expect there to be people who are morally against it and expect replies like 'If you borrowed it you should pay it back'. However, the fact is that there is a market out there and people do want to challenge their banks and building soceities, especially in the current economic times. Banks were very slack in composing the credit agreements often missing out important information like cancellation rights or incorrectly quoting APR's. In a court of law it can be shown that this invalidates the agreement and the debt is deemed unenforcable. Surprisingly, a lot of the time, the lender cannot even provide the original credit agreement you signed, and lenders are settling out of court and agreement to completely wipe the debt or significantly reduce it. Think its too good to be true? I did too before I looked into it and realised there have already been a lot of success cases which have gone through and seen how the banks and building societies have reacted to some of these cases (like fraudulently producing agreements and doing 'cut and shut' jobs on others!) So, should you have a credit card, store card or unsecured loan with balances totalling over £2k, check out http://www.thedebtfairy.co.uk. There is more information on there, alterntively, PM me.

What a spiffing thread. I too discovered Haslet about 2 months ago. Asda sell about 17 or so medium slices for £2. Bargain. I have it with some salad and salad cream. My body is a temple and all that.

4 more points in favour of selective breeding IMO. I see she is too fat to work, but not too fat to get her talentless ass down to the x-factor auditions, or flog her story to the press. Stop their benefits and force thr f*ckers to go and get a job or starve. The government should employ someone (like me) to go to every benefit claiming person in the country and judge if they deserve benefits. I would save a few billion I reckon.

That little wabbit looks like a happy little fella

I have been asked to post this reply on 'The Shu's' behalf, against my advice but still...

Dirty batch! :-) Why yes it does. This must mean you used to work with me too?

So tempted but dont think our current kittehs will like it much. Or my wallet! Would be interested in seeing the pics though Jill, I think you still have my email address!

??? Where is the office then? And whats this blokes first name?

Not his kitchen, its was the work kitchen. Funnily enough, our food never lasted long in that fridge!

Lol, I know him, this was filmed at our previous place of work. He is a genuine bloke and loves making people laugh. He was actually doing this as a joke. There is talk about it possibly being put onto rude tube. He is trying to get the you tube hits up, hence asking people to show others. It was in the kitchen at our old place of work, not actually his kitchen. Sorry ladies, he is married! With moves like that, he was snapped up by the first pretty lady who managed to get her hands on him. Believe it or not (and he will hate me for saying this) that baby faced dancer is actually 30!

Howdy folks, I have three separate lots currently on ebay. The first is an all-you-need kit for snowboarding. A 160cm Wild Duck of Switzerland Snowboard complete with large bindings in good condition. A Tantrum padded Snowboard bag and a pair of hardly worn 'Burton Moto' snowboard boots size UK 11.5 / US 13. I purchased the board and bindings from a mate for £50 less than a year ago after he used it for one holiday. I purchased the boots for £125 a year ago and the bag for £25 a year ago. Cost me £200, currently on ebay starting at 1p with a buy it now of £110. Perfect if anyone fancies a cheap snowboarding trip! £35 delivery, or if you live near in between Winchester and Southampton, I woudl be happy to deliver. Alternatively you are more than welcome to collect it. I live in Fareham. I will accept £95 for fellow Saints fans. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140301702733 Next up I have my Audi A4 3.0l Quattro Sport Auto/Tiptronic. Silver, 53,000 on the clock, 2002 on a 51 plate. MOT May 09, Tax Dec 09 - Not under the new £400 tax bracket either so only £215 for a year's tax. Drives like a dream, solid car in mint condition. Only selling it as I drive a company van and the car gets little use. Buy it now for only £6000 or make me a reasonable offer. Full service history, full leather interior, bose sound system, alloy wears, heated front seats, air con, hidden tow bar. All other info should be on the listing. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140301777841 Finally a juicer I am listing for my parents. Dont know much about juicers, other than you put fruit in and juice comes out. Cant get a better sales pitch than that. All the gory details are also in the listing! http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140301746229 Cheers for looking, I cant normally access this forum during the day so apologies if you cant get hold of me or if I dont respond quickly, email me greystonesben@yahoo.co.uk if you have questions and I should be able to answer quicker. Ta

Two spoons Dave Spoons

I bummed Jason Vorhees

If I wanted a mouth full of hair, I would lick my cats back. Therefore, runway or full on bald for me

Yes http://news.bbc.co.uk/1/hi/england/hampshire/7888352.stm He lives quite near me and Pompeylass (within a few miles) and oddly he is my age. Dont know his name though so not sure if I know him.

I have to cook a meal for t'other half. Pro: I get a week off work with food poisoning Con: I have to spend it with the Mrs who will be moaning about also having food poisoning!

Nothing beats stuffing your mouth with marmite flavoured walker and then while crunching, popping a fun size mars bar in there too (your mouth you sick f*ckers), the taste of chocolate and crisps is goooood!

So, other than Durleyfos, has anyone ever met the illucid creature that is the fit lesbo? I personally think it is a myth and like scummer says above, I think they turn to tw*t tasting when they realise they are brut's who cant pull men.

f*cking a cheesegrater