BanksYour Ginger Fuhrer froths, "I hate my bank. Not because of debt or anything but because I hate being sold to - possibly pathologically so - and everytime I speak to them they try and sell me services. Gold cards, isas, insurance, you know the crap. It drives me insane. I ALREADY BANK WITH YOU. STOP IT. YOU MAKE ME FRIGHTED TO DO MY NORMAL BANKING. I'm angry even thinking about them."
So, tell us your banking stories of woe.
No doubt at least one of you has shagged in the vault, shat on a counter or thrown up in a cash machine. Or something
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chthonic, Thu 16 Jul 2009, 13:15)
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Dueto a car accident a couple of years ago I lost my job and was unable to work. I couldn't pay my bills so was forced to join up with a debt management company to help me pay reduced sums to the banks - I don't like doing this, but I want to pay back what I owe. I'm not going to run away from the debt, but I needed the banks to understand my earning capacity had altered drastically and I still needed to eat and keep a roof over my head.
Two and a half years later and the banks are still refusing to listen. They ignore letters with payment plan proposals. They continue to charge me the Earth. But rather than transfer the debt to a collections agency, they'd rather keep it. Keeping me in limbo, adding on the interest and the charges. And there's bugger all I can do about it.
I really don't like banks.
(, Mon 20 Jul 2009, 17:14, 5 replies)
have you tried bankruptcy - it may nudge them into a deal!
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awallafashagba Da da da da da Dah dah, Mon 20 Jul 2009, 17:20,
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I don't really want to do thatI owe them the cash and don't have an issue paying them back - been brought up to pay off debts etc. But its just the way the banks go out of their way to, well, just ignore I've got a problem. They must've had fifty-plus letters over the last two and a half years, and each time they fall on deaf ears. I've even been into see them to have someone say to my face: "Debt management companies? What do they do?" Rediculous!
(, Mon 20 Jul 2009, 17:24, closed)
Try the CCCSThe Consumer Credit Counselling Service. They will do what a debt management company will do, but they'll do it for free.
Taken from the second post down here.
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MatJ LOOK, Mon 20 Jul 2009, 21:25,
closed)
Also Citizens Advice Bureau do debt counsellingand they're pretty good at it. Free, impartial, yadda yadda yadda.
www.citizensadvice.org.uk/index/getadvice.htm
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in vino veritas, Mon 20 Jul 2009, 23:15,
closed)
In this situation,I'd stop paying them altogether, and invite them to take you to court. Not out of trying to avoid the debt, but because a CCJ will force them to stop adding charges, and will probably write off a sizable chunk of the charges already incurred.
The last bank I took this approach with never took me to court or contacted me again at all.
(, Tue 21 Jul 2009, 10:01, closed)
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