Crouchie's Lawyer

Normally you are a c*nt, but that was very funny. I lol'd

And you have just proved that her 'illness' is infact that she is just a s|ut. If it were an illness, she would have accepted the lot of friend requests and diarised them accordingly. All attention seeking IMO. I would be surprised if she has slept with more than 100 people.

Atticus crossed with Tiggs. Now that be one ugly mother f*cker

Can i have this made into my avatar please? ta

No offense ESB but you are the voice of the niave. This is not an attack on you, it is common for people not dealing with finances day in day out to think that the CAB is a fully safeguarded route to take. In essence the CAB is made up of inexperienced volunteers. No real training is required to become an advisor in the CAB and certainly no qualification which I am aware of. Now, in terms of surgery, who would you rather operated on you? A qualified surgeon or a bloke who can read a book on how to do it? Written by someone else. Debt management plans (which is 99.9% of the time what the CAB recommend) only works if the lender is onside with the idea. Sure they may play along for a few weeks or if you are lucky a month or two, but eventually, they will want their money and as Panorama just showed, a lady whose step father was sectioned under the mental health act was refused a 'payment break' of 3 months. Again, not a personal attack but anyone who would chose an IVA or bankruptcy over any other option is financially retarded. IVA companies have pounced on the little known bit of govt legislation which enables them to wipe off a large portion of the debts in 5 years, however what they fail to tell people or highlight is the severity of what it does to your credit file. Kiss goodbye to getting a mortgage in the next 10-15 years. Just before the credit crucnch hit and the UK sub-prime companies were lending to the most risky of clientelle, an IVA was considered as serious (and some companies considered it more serious due to the fact it was relatively 'new') as bankruptcy. Its all too easy to make yourself bankrupt and enter into an IVA nowadays, but most people only look at todays gain and dont think of tomorrows costs. This route, if successful, will not in any way affect your credit rating. The debt is legally classed as unenforcable, which in essence means the company who provided the loan or credit card f*cked up the agreement, so nothing is registered against you. On top of this. If successful, will not COST you a penny. If I have £20k of unsecured debt and this process left me with only £5k. I have SAVED £15k, irrespective of whether the company who did it made £500 or £5000 from it so I do not agree whatsoever with your comment of 'could cost you a packet and leave you owing more' These are not cowboys. They are people who are trained in what they are dealing with. The CAB do not have the legal power to do these agreements (hence why you need a legal bod to do it) and from what I am aware, there are not too many people trained in this sector, so it is a cost worth paying IMO. But as I said, you only pay the money, once you have been told your agreement is viable.

Jorge Alberto Lopez-Orozco = Tiggs. Fact

Thats Robsk for you...

Im sat by my clock counting it down :smt069

Although I completely agree with what you say Ponty (and its my motto too - I try not to borrow any money at all, however if I do, I make sure the money is paid back asap and in full). There are always two sides to the coin. I have come across many people who are just plain outright priorty retarded. They would rather pay their Sky bill to carry on watching that, or go on holiday than pay their mortgage and debts. These people I have no pity for. But the other side of the coin is that people losing their jobs, becoming ill and as such struggling financially due to this. Thank god I have never been in this position and would never wish it upon anyone, however in these circumstances (especially watching Panorama at the moment) I feel this option is very much a viable one in which these people can become debt free (or reducing their debts significantly).

Ah in before the edit! Yes, that is correct Benji, however, if you are struggling with your debts and have a lot of them, then a £50 fee is IMO worthwhile for saving thousands of pounds. Imagine you have 3 x £5000 loans all at £150 p/m and £10,000 worth of credit cards which would set you back at £300 p/m your outgoings is £750 p/m. I believe the cost per application (if successful) is £1k per agreement so it would cost you £4k approx (assuming its only 1 credit card) however, turning a debt of £15k into only £4k and repayments of around £750 into £150ish per month would help a lot of people. Its not what its costing you, essentially, its what it is saving you. It only costs you money (and £50 at that) if it is shown for it to not work. I believe that the initial information which you provide to the company, will enable them to have a decent idea if it will work before going ahead with it too. These people are trained in what they are doing. They are not monkeys just sat there referring people on and taking money for it.

I am not sure of the t&c's, however I know that for each CCA challenged, a legal bod needs to write to the company in question to request a copy of the CCA and also sends a copy to the client direct. If the legal bod feels there is nothing in it and it wont work, I believe a refund of £400 is made, and only the £50 (which is charged for the letters the legal bod has done) has been lost. Fair price IMO if you consider that you could end up ££££'s written off?

If you're as c*nty in real life as you are on here, Im surprised you're still alive

Ah, I have re-read it. It doesnt give a date when it is. Just says it was meant to be 5th Nov and was postponed so I presumed it is happening tonight? If it is advertising, do you think that more registered users will sign up so they dont see the adverts? Or will less people use the site?

my 'mate' has a habbit of standing by one of us when we are all out when we are at a cash point and when the amount screen comes up, quickly reaching over the shoulder of the person withdrawing the money and hitting the highest figure there is - normally £100. Funny when it happens to someone else, but a pain in the arse when it happens to you and you only need a tenner!

Schut it you Schlag Im bored! Anyway, I thought that was your TMS awards thread?

Whoever invented Dorito's crisps, should have a team of minions doing anything he/she wishes for the rest of their life. I would happily do this job in respect for the bestest crisps!

Funnily enough, I never believe a Mr A Wasp decided one day to annoy people by inventing a new animal called the wasp. And yes I am aware snot helps the immune system, doesnt mean I have to like it though. This is TMS, so I posted the original thread with a touch of 'tongue in cheek' Whoever invented guns should be shot.

You're getting boring now Pancake. First time its funny, second time causes a slightly forced smile. Now you're just boring. Cue comment from you likening this to my posting techniques or humour etc. You are meant to be a Mod, and up until recently I respected you as one of the better ones. Albeit I like JFP, I stayed out of his and Bungle's 'beef' with you as I also quite liked you, but I am now starting to see JFP's point.

+1 Not true. Sky are no longer subject to a fair use policy. This was on The Gadget show the other day. They interviewed Sky who boasted about the fect they dont have a fair use policy and then the Gadget show checked their website where it showed it was still mentioned that they did infact have a fair use policy. They called Sky back up and Sky apologised and updated their website there and then. The 'unlimited' package with Sky is just that. No small print.

http://www.creditissuesltd.co.uk/ Hi guys, a bloke I used to work with has set this company up with the sole purpose of helping people out with their unsecured debts. If you have large amounts of unsecured debts and wish to see if they qualify under the Credit Consumer Act loop hole, then drop the company a line or email! The site explains quite a bit, but he will run through any questions you have. He is a genuinely top bloke and will help anyone out.

Thread dedicated to 'whoever invented x, y or z' feel free to praise them or wish pain upon them. Whoever invented snot, should be drown in a big vat of it. Whoever invented wasps should (if male) have a wasp shoved down his jap. Whoever invented computer viruses, should be subjected to a permenant flu like virus for the rest of their human life. Whoever invented great tasting, but highly fatty foods, should be forced to eat 15kg of lard. Whoever invented the internet is a pure genius. Thats me done for a while

So when selecting a false name, is it completely randomified or do you go for funny names?

:smt119

...planned modifications which Bajjer has to close the fore arm for tonight? Any ideas?

So what your essentially saying is that you were an illegal immigrant playing for a team which you (given your real name) were not registered for? tut tut. You will be claiming benefits fraudulently now, its a slippery slope