fraser mckenzie repayments

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it is a slap across my face, but it is so true. i know it no-ow.

it is no solution to beat myself about it though...

 

see what pisses me off about it i went for the course because i could not afford paying for the course otherwise. so how can i afford to do it now? i can't. i need to find a new job to be able to afford paying my boyfriend off. and it is not easy. i am working 32 hours a week getting 6 pounds p.h. which is rubbish to be honest. and i am eating soup and noodles! what is a step down from that?????????????????????

 

i understand it is not the end of the world. even tough atm it sure feels like it. i will go cab tomorrow...

 

i will laugh if i c the company director in the road with a misshaped mug after encountering somebody with more physical strength than myself. and dont get me wrong, i would never do this, bu if somebody did it and i knew it i will not feel sorry for the bastard. and excuse my bad language, and no, i do not mean english in general, but i am feeling less sorry for myself and more and more furious. well, one day the bad things will get back and haunt them. my dad wants to be one of thm things i just want the money. i dont want anything for free but i do want what's mine. cab it is. hope they will help me. and i hope i won;t embarrass myself by sobbing in ront of them. likely to happen knowing my drama queen ways.

 

Good luck Natt!!

 

Did you close your bank account? what were the consequences?

 

Natt - take ALL advice regarding legal matters from people who aren't lawyers with an extremely large pinch of salt. What this poster is telling you may sound like sense - unfortunately, the fatal flaw in what he is saying is that its bollocks. Do NOT close your bank account - if you do you will instantly destroy your credit rating. As anybody who has ever tried to get finance or a mortgage for anything will tell you, this is NOT easy to repair.

Go to the CAB and listen to what they have to say - taking legal advice from people who aren't qualified to give it is like asking a bloke down the pub to remove your appendix.

 

It's actually incredibly easy to repair, I say repair, but I mean start a fresh with a blank canvas. People seem to be under this impression that you're doomed if you get a bad rating when the true reality of the situation is you can easily create a brand new credit file legally. It's morally objectionable and a bit shady, but then again, getting yuour life ruined by a bank and FM and you being held to account for it, isn't fair.

Just my two pence worth. If your credit rating is horrendous anyway for whatever reason, and you have nothing to lose, then I would just stop paying and list the reasons you stopped with evidence. Open a new bank account with another bank first though.

 

The consenquences will likely be them sending you letter after letter whilst you counter claim with your contract from FM. They will keep sending you letter after letter, worse comes to worse they send the debt collectors, who you just ignore because they have no rights to enter without a court order, flat out deny the debt is yours for 6 years, never recognise it, and it gets wiped from your credit record once the 6 years is up. End of.

 

Not quite. The debtors can apply to the courts for a decree against you through the courts. If successfull they have 20 years to reclaim the debt, not the 6 (or 5 in Scotland).

It should also be pointed out that the 6/5 years of statute limitation counts from the last acknowledgement of the debt, either in writing, or by making a payment.

They can also issue default notices against you, will will stay on your credit account for 6 years.

Edit: As as been said before, take proper legal advice before taking any action on either the loan company, or FM. Neither I nor (to my knowledge) anyone on this site is a lawyer, and if so, certainly not a lawyer specialising in these types of cases. If you do something like closing your account, or ignoring debt letters without proper advice on the matter, you could land yourself in a whole heap of hot water, and just make your situation much much worse for yourself.

 

Look here :-

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/CourtClaimsAndBankruptcy/DG_10013083

Like has been said, go and get independent free professional advice, avoid debt consolidation cons, for godsake don't get caught again !

 

Sorry, but that is absolute pooh. Its not a question of it being morally wrong - it will stay with you for the rest of your life. Anyone who thinks going bankrupt/changing bank accounts to get a clean credit rating/using any other method of avoiding creditors is a 'quick way out' is deluding themselves. Do you really think that everything just disappears when you 'start again'?

For the love of God don't take advice like this seriously - unless you want to join the other couple of million people on a downward spiral living only for the next few months as opposed to planning for a healthy future. Next thing you know you'll be going to Ocean Finance...

Sort your life out - take responsibility for your own actions. Be more cynical in the future - use this experience as a valuable life lesson!

 

I think you'll find that only works if your credit rating was complete sh1te in the first place...

But isn't this whole attitude of cancelling direct debits, closing accounts and burying your head in the sand just avoiding any kind of responsibility?

It's this whole 'somebody else's problem' attitude that got most of this people into this predicament in the first place.

So has taking advice from people who didn't know what they were talking about and didn't necessarily have their best interests at heart...

 

something similar happened to me and i ended up with a loan for £4k and with less qualifications than you. I felt robbed but i could only do one thing and i applied for all the jobs i could see that were entry level\first line. I got a job resetting passwords for £8p/h and another job later i am now earning £13p\h and paying off the loan every month.

Basically all you can do is try and get a better job and call the bank to arrange a suitable time period to pay the money back.

As said go to some IT recruitment agencies or get on jobserve and search for 1st line or helpdesk and just apply. The only thing is you may have to take some 3 month contracts at first.

Good luck to you

 

thank u all guys.

firstly i am not closig an accountn last thing i need is a bad credit history.

secondly, i managed to get through and speak to michelle, the girl who made me sign the contract in the first place taking advatage of my naivety. n i know it's my fault, but i will fight for that money even if it means chasing them bastards down the road, ripping off their clohing and selling it off on e-bay for pennies.

at the end of the day what i signed i knew was asking a lot of me. i have done it all. worked, passed exams travelled, met them and all other crap. but as u said cab is the first place to go, i'm sorting it out tomorrow as they were closed today.

anyway back to michelle she was yelling down the phone at me. can u believe that. and she managed to piss me off enough for me to bite back. and also she is claiming the company is oing fine and they are not closing dwn or anything BUT the two ppl who were meant to place us in employment dont work there anymore. she made it sound like they have done sth really bad. and she said the money wll be in by friday. i will believe when i see it. i heard it all before after all.

and if it comes to guys from canary wharf i managed to get in touch with one of them and wat did she say? 'what liars! they are broke and they so r dissolving' and it turns out them two have also been done. but i aint feeling sorry for them, they knew things were wrong befre and pretended all was ok. and michelle for last three weeks has been lying to me that celina and geoff are in meetings and thats y i cant get hold of them. whatever, meeting, their own flippin interviews more like!

i have a feeling they r trying to sign up more ppl to pay us lot off.

 

wht i have learn't of FM is that they r a bunch of liers!!! they lie on top of lie on top of lie....ppl r not that stupid...i kno v were 2 sign on in the 1st place but now our eyes hav opened n they shuld realise that....there is a BIG lack of organization in that place, no1 knows wht excatly is going on...every time i spoke 2 some1 different there, they gave me different info....

 

Look strawberry i know they are disorganised but so is my current workplace. which i was desperate to get out of and hence went for whole this FM rubbish. I'm not making it an excuse or anything but I think it could be that I was not aware of these scames cos I only moved to England in 2005. And I am indeed young so never had much interest in courses. That'w why they pick people like us.

If it comes to guys taking a piss out of our English and stuff they are right. Half of us had no clue what they were signing. But I understood everything, and nobody bothered pointing out to me oy girl, the LIMITED part means if they close ur screwed. yeaaa nobody did and i wish they did.

Also, one of you mentioned about people caring about spelling. true, considering the ****ty way of FM contract and the way it was formed I should have ran a mile but i didnt and now I gotta stop crying and fight back. until i get bored and stuff. And I am not giving up quite yet.. I am not a quitter!

Oh and btw speaking of being disorganised, one of them emailed me addressing me as nicholas!