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| The independent answer to your debt problems | login join |
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syl
| 18-09-2009 01:21 PM |
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Joined: 18 Sep 2009 Posts: 4 | I have been dodgeing my creditors for some time, but would like to know the following. Can I get a job in a debt agency, or will they carry out a fit and proper test? Irrespective of which credit agency I could use, is not a fact that they all want to track where you are and then your on the the creditors radar, as the credit reference agencies assist creditors through various means? Even if I came into a lump sum and paid all my debts my credit score will still be low? I can't pay my debts because I have no job and don't sing on so is it not the best thing for me is to continue running, irrespective of which company Iuse for debt management, they all want one thing which is my disposable income. I can't claim income support becuase my wife earns 80k, even though our family outgoings are maxed out. All I can do is retire abroad and live of my wife, I am trying to get a job in IT BTW. I did start a pay plan but the company i signed up with was a scammer and went bust, but opened a new company, but hey who is going to listen to that, certainly not my creditors. How can companies get a CCL, rip off customers and then start again. Its so easy for them to do this. |
| DW George | 18-09-2009 02:03 PM |
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Joined: 01 May 2007 Posts: 494 My Profile | Hi Syl I have no idea how companies such as you've mentioned can get away with that. The OFT who regulate CCL's take many things into account when granting a licence, one of which is bankruptcy. Have you spoken to Trading Standards about this matter. In respect to getting a job, the answer is maybe. There are no specific requirements about being a fit and proper person to give debt advice, some employers may do a credit check to see if you are who you are but I don't really see them saying I am not going to employ you because your credit file doesn't look good. What size is your debt, fill out an SOA and we'll take a look at it. George |
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syl
| 19-09-2009 07:46 PM |
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Joined: 18 Sep 2009 Posts: 4 | Sorry but who is we? I'd rather remain below the radar, no offence. But with no job I see little point in completing an SOA. On the other matter the Trading stnd and OFT are mamouth organisations. The panorama programme recently aired on Tv clearly showed the abuse that goes on within the industry. They get away with it because its piss easy to get round UK legislation. for example, look at the debt management industry it has 3 code of conduct, each one trying to sign up memenbers, and then what. If the members pay your salary, your hardly likely to want to piss them off. look at what happened at FISA before they closed, the represented the creditors, but it was a closed shop, everyone knows each other and they cover for each other. |
| DW George | 21-09-2009 08:40 PM |
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Joined: 01 May 2007 Posts: 494 My Profile | No matter what your employment status is a fresh look at what you spend may and what you earn may help, eg if you are living alone did you know that you can claim council tax discount or that you can claim for the interest part of your mortgage to be paid by the government? Companies can and do lose their credit licences but it requires people like you to complain about them. Call your local trading standards tomorrow and complain about this company. |
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syl
| 22-09-2009 04:14 PM |
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Joined: 18 Sep 2009 Posts: 4 | I am probably being dumb but if you have no income why bother with anyhing until you have an income. The people behind the phone or desks at companies, could not careless what your situation is. They are low pad works on or near to min wage, so why bother. Best waiting till I hit the lottery. |
| paladin | 22-09-2009 05:06 PM |
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Joined: 06 Jun 2007 Posts: 240 My Profile | Hi syl Lots of people need to address their spending patterns, even millionaires, to try and find new ways to reduce their outgoings while maximising their income. Everyone should do an SOA that way they can see where all their money goes. Doing an SOA makes you address the reasons behind your spending, eg smokers will have to justify why they feel the need to spend money on their cigarettes whilst cutting down on food bills or limiting the spend on the annual holiday. I am not just picking on smokers but anyone who chooses not to critically examine their spending habits. An example here of an SOA http://www.debtwatchdog.com/View-SOA-599.html where this person is spending over £350 a month on non-essentials, things like satellite TV, fags and socialising, things she can't afford! Doing an SOA is a life skill - some people are good at budgeting others are not. However, the discipline behind it - justifying costs, where possible reducing them and maximising income - is the backbone behind any successful business and should be a skill taught at school. P |
