What’s with all the tact and politeness here towards this ■■■■,.and reasons and excuses not to bale him out.
Straight to the point is needed here…a resounding ‘NO’ followed by a rapid ‘‘■■■■ OFF’’.
Why bother messing about.
Socketset:
Next time around choose one of the followingThe clutch has gone in my car
I need to fit a new kitchen
My wife needs expensive dental work or
Wife wants a new sofa.
Break the cycle - two of you have got into a bad habit.
Nope, the habit is only bad for one of them. 
Sorry but when you give someone a loan they pay you back, when they don’t then it’s called a gift, ta mate. 
robroy:
What’s with all the tact and politeness here towards this [zb],.and reasons and excuses not to bale him out.Straight to the point is needed here…a resounding ‘NO’ followed by a rapid ‘’[zb] OFF’'.
Why bother messing about.
I’m wondering if the easiest way to get shot of a “Mate” is to say “Don’t ask to borrow money from me”, “I support the Government”, or “I have a religious faith”…
robroy:
What’s with all the tact and politeness here towards this [zb],.and reasons and excuses not to bale him out.Straight to the point is needed here…a resounding ‘NO’ followed by a rapid ‘’[zb] OFF’'.
Why bother messing about.
Totally agree it’s as simple as this.
Sent from my SM-G960F using Tapatalk
If you cannot “earn more and cover raised expenses”, then everyone needs to “manage on less, and keep more OF it.”
Losing less - is as important as earning more - PLUS the fact that when you earn less, there’s less tax to pay on it!
SInce the lockdown, it hasn’t been as possible to simply put in the hours to bump up that bottom line payslip figure.
FIrms don’t like it if you are earning more than their regular staff doing the same job, as I’ve found the hard way.
Now I know I cannot rely on an agency “contract” to actually hold up their end in any way, I’ll go forward with the notion that I could be sacked at any moment, and I already have a contingency in place should that happen to me again in the future.
It is a shame that they couldn’t be honest with me at agencies in the past, and just tell me straight “If you don’t take this shift you are not available for on earlies - we won’t give you any more work.”
or “Stop cherry-picking!!” even…
I went for a job DHL contract, but got told I had to rotate. No I don’t! "Yes you do if you ever want to work here… (Door already slammed shut behind me, receding back…)
If you don’t hold out for the better work, the better contracts - then you’ll always be palmed off with the run-ragged stuff… Unless that’s exactly what you WANT of course!
Even at RM I struggled with it in the name of “big bucks - gotta try to keep the ball in the air here…” but eventually I faceplanted over the issues of “keeping within the 9 minutes late window” for whatever reason.
This guy begging for money - needs to seek another job that’ll pay him more. It’s as simple as that. Pick up thy bed and walk!
I just discovered my new brother in law has gambling issues, he cannot use his bank card or any apps on any gambling sites, but he will often nip into the bookies on the way home with a tenner or twenty quid, now if he wants to beg a tenner for bread and milk, I buy his shopping for him.
I have seen how gamblers can lie and they only need that one big win.
There is a girl in the local area who has nicked £340.000 off her transport company employer and spent it gambling, she isn’t very good as she only has a £3k Corsa to show for it.
Leanne Gouldthorpe, 34, wept as a court heard how she swiped the cash from the transport & logistics firm where she worked using fraudulent VAT receipts and falsified records – she was jailed for two years and eight months
Something rarely seen by non-gamblers of gamblers - that the problem isn’t chasing the big win that never comes.
All too many gamblers get a buzz from actually “winning”, regardless of how much is won.
Imagine if you got a buzz from winning £1 on a scratchcard - This person has a BIG gambling problem!
They will think nothing of spending £100 on scratchcards, and if they win three fivers and 10 £1 wins - they’re having a good day, despite still being £75 down on it.
The same applies to “football fans” imo. I’m a gambler, but can’t stand football.
If you spend whatever it is these days getting into a football match - you lose whatever you’ve spent for only 90 minutes of “entertainment”.
Even if your team wins - you’re still down by whatever it cost you to go through those turnstiles…
I used to have a problem with Slot Machines, in that it just isn’t possible to come out on top, unless one drops the jackpot after only playing a few quid, which in my case - never happened to me over the 20 odd years i actually played one armed bandits.
Then I dropped slot machines outright, and took a different approach:
I will gamble in such a way that loses most of the time, but if I did get lucky here and there - it would be worth my while with a decent win that could go in my pocket, rather than donked away, because I’d “won” less than I’d laid out.
In that, Horses and Dogs did me - Slot machines and Football - did not.
In the past 23 years since I have up slot machines, I’ve had 5 years where I ended up well ahead on the year, and the other 18 where I lost out.
Overall, I’m still down - but nowhere near as much as when I was playing slot machines.
I don’t have a credit card, and can only play money I actually have in my bank account.
I’ve already self-banned myself from online poker, another thing I found I couldn’t win at (impossible to beat what appears to be a rigged system)
Sticking to horses and dogs, including the “virtual” variety - has given me two winning years in the past three.
“Moderation” I suggest, is the key.
Bet small, bet often - assume you’re going to lose, but luck up with a big win when it DOES come.
This guy might want to consider actually switching his bets to something where the “house” doesn’t get to decide “what wins”.
“Betting against the favourite” all the time - means that when you DO win - you’re actually taking money off mug punters, and the “result” is actually something the bookmakers like.
I’ve never had a miserable bookmaker when collecting winnings - simply because I’m the only git who’s won that day, if I bet a string of races where the favourite got beat by one of my rags…
Like with the Lottery though - keep a low profile. The LAST thing you want is to walk out of a shop with a grand cash money in your pocket, and get mugged on the way home by some other punter who followed you down the dark alley… 
I don’t pretend to know what is going to win, merely the types of races where the favourite is likely to get beat. I’ve still got to find the winner amongst the unfancied horses, which I’m not actually much cop at.
Recommended Bet?
“Lucky 15”.
You pick four selections, it costs £30 to do them £1 each way unit…
If you get three losers and one single winner - you get double or triple the odds. Make ALL your selections double-digit prices then, say 20-1, 33-1, 50-1, and 16-1…
If you just get the 20-1 as a winner, then you’re getting paid £47 here, which is supposed to be a “consolation prize” rather than a “win” - but a profit it is, nonetheless.
Get the 50-1 in there as well, and you’re returning over a grand right there…
Three winners - and it’s big money time, and all four winners - you’re looking at winnings sufficient to buy a house with.
…But ONLY if you go out of your way to pick double-digit selections in races where such prices often win - Big Field Handicap races over no more than 1mile distance.
You only have to look at the day’s racing results - to get some idea just how often these “bigger” prices come in.
Just give up “backing favourites” and you’ll find yourself losing a lot less, because you’re betting that much lower unit stakes.
A bookmaker’s “bread and butter” trade is “taking big bucks of people who make sizable bets on short-priced horses that even when they come IN - don’t involve a big payout…”
Eg. put £30 on an Evens favourite - and you get £60 if it wins, bugger all if it comes second.
Do a lucky 15 and have every horse finish second or third at the prices I exampled above - and you’re looking at over a grand return despite having no winners at all - just “places”…
Assume you’re gonna lose, and delight in when you don’t.
Once you’re out of the rut of being a “problem gambler” - you’ll never look back.
Stay off the FOBT’s!!
discovered by chance a foolproof way to win on the penny falls on Felixstowe seafront. pile in as much coins as quickly as you can at least 2 quids worth of 2p in as quick as you can and the avalanche will come everytime .
corij:
discovered by chance a foolproof way to win on the penny falls on Felixstowe seafront. pile in as much coins as quickly as you can at least 2 quids worth of 2p in as quick as you can and the avalanche will come everytime .
I lost my gambling cherry at Butlins, Clacton around 1975 playing one of these, with the winnings clattering down the top glass if you could roll a coin so it fell flat and didn’t touch the black lines…
“Black lines matter” ?
Winseer:
Gambling debts are not enforceable in courts. If you borrowed say, £10,000 off a credit card, pay it off at £100 per week for an entire year reducing the debt to about £9995 because of the rolling-up interest… The maximum a court would grant in “CCJ pass on” is… £4800 and NOT the £9995. Work it out what has happened here…
Do you ever get tired of looking like a clueless prick?
Section 335 of the The Gambling Act 2005 states: “The fact that a contract relates to gambling shall not prevent its enforcement”.
In other words, a gambling debt can be legally enforced, as long as it relates to gambling that is lawful. Gambling is lawful in the United Kingdom if it is permitted under the Gambling Act 2005 or the National Lottery etc. Act 1993, or is pursuant to the Financial Services and Markets Act 2000.
Gambling debts HAVE ALWAYS been enforceable if the debt was on a credit card used to pay for the gambling, it is treated no different to any other outstanding amount owed on a credit card. It was bookie accounts which weren’t.
There is also a maximum claim limit in a county court. They could claim more but it would have to go to High Court which costs much more to do.
corij:
discovered by chance a foolproof way to win on the penny falls on Felixstowe seafront. pile in as much coins as quickly as you can at least 2 quids worth of 2p in as quick as you can and the avalanche will come everytime .
LOL. My best friend has an amusement arcade. He has several of those pushers and the 2p pushers are his most profitable machines. Very few people who play them ever walk out with any money because they just keep punting it back in until it’s all gone. One machine near the doors was averaging £1200 a week and during the height of summer he’d be refilling the 2p change machine three or four times a day putting a bucket full or more in at a time.
Winseer:
I not only speak from experience, but more than one experience… There’s no court on earth that can enforce a debt upon someone who’s skint for six years after the original run-up of the debt. UNSECURED debts ONLY mind.
Yes they can oh clueless one. They can petition you for bankruptcy. At that point the Official Receiver will come up with an amount per month you need to live on and will seize your wages you earn above that amount. Also any lump sum you get such as from a PPI payout that was for a claim for something before the date of your bankruptcy will go directly to the OR too with many PPI claims being paid by the company directly to the OR, just sending you a letter advising you of the amount and the fact they were paying it direct to the OR as you’d been subsequently declared bankrupt.
But thanks for letting us all know you’re an untrustworthy ■■■■■■■■ whose word is worth nothing and who doesn’t pay what they owe. Scum is too polite a word for people like you.
It’s easy to win at gambling.
The difficulty is buying a casino.
To supplement his income Richard Feynman used to gamble in Las Vegas casinos. But he had “side bets” with other gamblers there. He didn’t play against The House.
Conor:
Winseer:
Gambling debts are not enforceable in courts. If you borrowed say, £10,000 off a credit card, pay it off at £100 per week for an entire year reducing the debt to about £9995 because of the rolling-up interest… The maximum a court would grant in “CCJ pass on” is… £4800 and NOT the £9995. Work it out what has happened here…Do you ever get tired of looking like a clueless prick?
Section 335 of the The Gambling Act 2005 states: “The fact that a contract relates to gambling shall not prevent its enforcement”.
In other words, a gambling debt can be legally enforced, as long as it relates to gambling that is lawful. Gambling is lawful in the United Kingdom if it is permitted under the Gambling Act 2005 or the National Lottery etc. Act 1993, or is pursuant to the Financial Services and Markets Act 2000.
Gambling debts HAVE ALWAYS been enforceable if the debt was on a credit card used to pay for the gambling, it is treated no different to any other outstanding amount owed on a credit card. It was bookie accounts which weren’t.
Credit Cards were once able to credit gambling accounts. I did it over a decade ago, before self-excluding from said bookmaker. The CC issuer tried to enforce the cash debt balance against me, and the court merely set it aside, although I was invited to take out an IVA or declare myself bankrupt at the time. I refused to do either, and after that? - Nothing happened. That was nearly two decades ago, and the debt is now long since statute barred. They had the chance to petition for my bankruptcy, but expected me to pay the fee, which I refused to do. They tried to trick me into taking out an IVA, where I offered to cash in an endowment policy worth about 25% of the outstanding balance, offering it over in full and final settlement of the debt highlighting the IVA’s boast “Write off 75% of your debts with an IVA” - So there I was, holding my fresh wad of cash, and asking in return only that the contract contained the words “receipted of this payment is in full and final settlement of the debt”. They refused, so I then spent the money, and they got aboslutely no further payment from me, having refused to honour their own wording of their own posterboard lies that you can write off 75% of your debts. They would have surely JUMPED at the chance for me to short-settle - if they didn’t have greed at heart in wanting this payment (had I handed it over) to be merely an “interim” payment… THIS is devious aspect of LENDERS that gets debts “set aside” in courts. When the creditor has clearly tried to fleece the debtor. Debt Walkaway is what causes high street lenders to lose billions per year in “bad debts” - that strangely never get told “how to” upon the indebted British public. You’d think that the Labour Party would tell people with no cash at all how to “walkway from debt”, but alas Labour are beholden to foreign communist governments these days, rather than the impoverishment of their own voters. That became evident when Darling and Brown in 2008 decided to use taxpayer’s money to bail out Banks, rather than run Banks into the ground bailing out TAXPAYERS. I’m well to the Left of Labour in that regard of course… If you’re broke - you don’t pay, you CAN’T pay. The debt is defaulted. Why kick it down the road for years and years on the hope (of the creditor) that you at some stage in the remote future might “inherit a house” that they can confiscate, or “get a good job” that can afford interest payments once again? Nope. The moment you’re broke - you should push for the creditors themselves to accept that the account is in default, after which no further interest can legally be charged. “Legally” in that you don’t get executed or jailed for “not paying it”, and “legally” in that it is unsecured, so no “goods to the value of” can be confiscated in actuality Neither. Not “the letter” - the “actuality”. I’ve been through this entire process more than once over the past 35 years, and the only punishment I have to date - is that I cannot get car finance or a personal loan, and not many credit cards, the cheap ones at least. If I were in my 20’s still, it would prevent me from getting a mortgage, but once even that is behind one - there’s not much that can be done against a debtor in that regard neither, as the mortgage lender will fight any unsecured creditor who tries to put a lien on the property, especially if the unsecured debtor is upto date with their mortgage payments.
Like I said, “No force on Earth” - you have allies in unlikely places when it comes to bloodsucking lenders of unsecured, and FIAT money.
There is also a maximum claim limit in a county court. They could claim more but it would have to go to High Court which costs much more to do.
It is unenforcable - because there is no power on this planet that can force someone to pay over money they have not got - because they’ve lost it already gambling. No power at all. There are no assets to confiscate, and people no longer go to jail for non-payment of debts. All the while it WAS possible to jail someone for “not paying”, or turn up and break their legs, or turn up with a court order to confiscate goods to the value of, having secured “peaceful entry”… The entire “Rule of Law” concept has been brought into doubt by our entire Post-Truth, Post Brexit, and Post Modernist age that we now live in, like it nor not.
The ONLY punishment that can be meted out for the non-payment of unsecured debt - is “being banned from taking out further debt” - which is actually a godsend to those people with say, gambling problems but no upside financial prospects for the forseeable future.
You demonstrate the same mis-understanding between “Natural” and “enforcable letter” of the law as Remainers do with regards to understanding reasons why people voted Leave.
To Remainers mostly - people voted Leave “Because they are idiots” - not because they actually knew rather better in practicality, which of course was why the refereundum result simply wasn’t considered to be a possible outcome at all, and hence was not prepared for.
Conor:
Winseer:
I not only speak from experience, but more than one experience… There’s no court on earth that can enforce a debt upon someone who’s skint for six years after the original run-up of the debt. UNSECURED debts ONLY mind.Yes they can oh clueless one. They can petition you for bankruptcy. At that point the Official Receiver will come up with an amount per month you need to live on and will seize your wages you earn above that amount. Also any lump sum you get such as from a PPI payout that was for a claim for something before the date of your bankruptcy will go directly to the OR too with many PPI claims being paid by the company directly to the OR, just sending you a letter advising you of the amount and the fact they were paying it direct to the OR as you’d been subsequently declared bankrupt.
But thanks for letting us all know you’re an untrustworthy [zb] whose word is worth nothing and who doesn’t pay what they owe. Scum is too polite a word for people like you.
If you are an atheist, then WTF do you think “you go to hell for not paying your debts” for? That’s a zionist concept actually, - or are you putting your hand up to be a future momentum target here?
There are two guys in debt: One murder-suicides their family, because of pressure from people like YOU who think that “non payment of debt” is akin to being Jimmy Savile FFS.
In my mind, people like YOU who think a debt should be paid, no matter what - are the filth that now overflows the workplaces of this country. People like you who will contrive a perverted dismissal of people like me, simply because “We don’t like him, and he’s got it coming, 'cos he winds me up online with his stuff that doesn’t make me lose anything at all, and is actually totally harmless to me who’s taken offence, if only I could mind my own bloody business!”
The other guy - doesn’t give a crap what people like you think, who were NOT a victim of this, not even a “Victimless crime” - since it isn’t a crime to excercise debt walkaway, and a lot of this country’s heartache would be solved if only more people knew how to do what I’ve already done when falling upon hard times. That’s the very time one SHOULD excercise debt walkaway. My advice? Saves lives. What does yours do? Drive people to suicide, or at least to live out of the gutter for years to come, paying all that unnceccesary interest that could be going into their kid’s education and bellies?
Even Trump has done it ten times himself - and look at him now.
I read that Jordan has gone bankrupt, but she might yet come a cropper if she doesn’t live frugally for the next year or so, because the court will always come down against the party who LIES FIRST.
Turn up in court, manuveur the plaintiff into lying, and the court will set aside the debt. It’s what they do.
If the debtor lies though? - The court can inflict a bankruptcy restriction order upon that debtor, lasting upto 15 years. It is rare for the full 15 year term to be issued, but the effect of this is that ANY asset you then come into, any wages, any ANYTHING - can be confiscated and handed over to the receiver.
That’s what happens if you Lie in court as a debtor.
So just tell the truth. You lost all your money gambling, and there’s no place where you can get assets for any receiver in bankrtupcty.
You’re really skint, and not just pretending to be.
FFS clearly wealthy people get away with lying in THAT regard - all the time - don’t they?
Why not have someone telling the truth at least getting the same deal in court as people like the Hamiltons did, where you transfer assets to your Mrs before going bankrupt…?
Yes, but they didn’t. Note that? They did not do it. You’ve not been there, I have - more than once.
Conor:
Winseer:
I not only speak from experience, but more than one experience… There’s no court on earth that can enforce a debt upon someone who’s skint for six years after the original run-up of the debt. UNSECURED debts ONLY mind.Yes they can oh clueless one. They can petition you for bankruptcy. At that point the Official Receiver will come up with an amount per month you need to live on and will seize your wages you earn above that amount. Also any lump sum you get such as from a PPI payout that was for a claim for something before the date of your bankruptcy will go directly to the OR too with many PPI claims being paid by the company directly to the OR, just sending you a letter advising you of the amount and the fact they were paying it direct to the OR as you’d been subsequently declared bankrupt.
But thanks for letting us all know you’re an untrustworthy [zb] whose word is worth nothing and who doesn’t pay what they owe. Scum is too polite a word for people like you.
I think he actually meant they cant come to you six years after you defaulted and start demanding their money back. If he does mean that then he’s right. After six years the debt gets written off
If this is genuine just say ”look mate I can’t afford it anymore” end of problem.
Years ago we had a driver like this but not wanting hundreds just a tenner here and twenty there,no driver ever got it back until one day I threatened him we had a fist fight in yard and he left the company,on asking the other lads who he borrowed off it added up to well over 2 grand.
I will lend family and close friends that’s it simple.