The "Official Offer" Letter To Banks

MadsL · 21-10-2013 09:29PM

Sh1tbag OToole wrote: »

This isn't America.

Yeah, we have jingle mail and personal insolvency legislation here .

MadsL · 21-10-2013 09:37PM

I see the Legal Discussion thread on the same topic isn't going much better for you OP.

You can reduce the amount you (sorry, one) owe(s) the bank, unfortunately you have to negotiate a final amount to be paid in full. Sometimes banks will drop fees and charges to reduce the final amount owed and you can negotiate that figure.

This 'one weird trick' really is hocus-pocus and freeman sh*te I'm afraid.

Seachmall · 21-10-2013 09:39PM

vixdname wrote: »

Cut back on living expenses - On €200 pw to keep a family along with electricity, gas etc, where would you propose someone like that could possibly cut back on their living expenses ??? - Perhaps cutting out the Moet champagne they put on their Cornflakes every morning would be a good first step

You say that with a hint of sarcasm but if you're struggling to repay debts while using champagne in place of milk for your cereal you should absolutely remove the champagne from your shopping list.

It's that stupid mentality that has caused these problems in the first place, and now you expect the banks to readjust the terms YOU agreed to because of YOUR refusal to adapt to a changing economic climate.

It's people like you that get really under my skin. The arrogance and sense of entitlement reaking off of you is poignant.

If you can't afford overpriced bubbly stop using it to float your Cheerios!

MadsL · 21-10-2013 09:45PM

Seachmall wrote: »

You say that with a hint of sarcasm but if you're struggling to repay debts while using champagne in place of milk for your cereal you should absolutely remove the champagne from your shopping list.

It's that stupid mentality that has caused these problems in the first place, and now you expect the banks to readjust the terms YOU agreed to because of YOUR refusal to adapt to a changing economic climate.

It's people like you that get really under my skin. The arrogance and sense of entitlement reaking off of you is poignant.

If you can't afford overpriced bubbly stop using it to float your Cheerios!

Exactly. A hint OP - Aldi and Lidl both sell perfectly acceptable Cavas and other sparkling wines at much lower prices than that over-hyped French swill. Just really a Celtic Tiger throwback, get with the times. I used a perfectly nice Asti Spumante the other day on my Cheerios and it was just fine.

Potatoeman · 21-10-2013 09:56PM

The bank borrowed the money to lend out for the mortgage. They may not respond but if you are not paying your mortgage in full they can reposses. You might get away with it for a while but when the property increases in value or they are told by the ECB to clean up their mortgage book you might find yourself on the street.
The bank make their money from the interest made on properties. It would have neen the person you bought the property off that made the biggest profit. The more people that dont pay the more those that are paying will have to pay.
Look at it another way,how much of the profits made do people give to the bank?

Fr_Dougal · 21-10-2013 10:08PM

vixdname wrote: »

Really ? Do you not re- read your own posts after you put them up ?

Do you have any idea of contract law? :rolleyes:

Thought not.

Seachmall · 21-10-2013 10:14PM

MadsL wrote: »

Exactly. A hint OP - Aldi and Lidl both sell perfectly acceptable Cavas and other sparkling wines at much lower prices than that over-hyped French swill. Just really a Celtic Tiger throwback, get with the times. I used a perfectly nice Asti Spumante the other day on my Cheerios and it was just fine.

You could cut back even more.

When I want bubbly I just buy a cheap white wine and use a straw to blow bubbles in it.

dj jarvis · 21-10-2013 10:19PM

its nearly as persuasive, as a Nigerian prince looking to drop a few bob into your drinklink account

sweet deal bro !!

vixdname · 21-10-2013 10:48PM

Fr_Dougal wrote: »

Do you have any idea of contract law? :rolleyes:

Thought not.

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

Seachmall · 21-10-2013 10:52PM

vixdname wrote: »

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

vixdname · 21-10-2013 11:48PM

Seachmall wrote: »

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

Seachmall, have you actually read this thread in its entirety ??
If so, can you please show us all here where, even once where I have attempted to give ANY advise to ANYONE about ANYTHING ??

Seriously, please show us ???

It seems to me that somewhere in your obviously unbalanced little mind you have come to the conclusion that I am the type of person that believes people should be forgiven their debts and not face any consequences if they decide not to service those debts, when I in fact believe in the opposite and that was the reason that I originally started this thread as I couldn't believe what I was reading on the official offer page and simply wanted to find out if people were actually using this method against the banks, but if you read post #21 you'll see that I've already explained this.
Therefore your presumptuous, ignorant and self righteous comments above are they themselves contemptible and underline how completely wrong you are.

I, thank God, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

So before you start accusing anyone of anything, like trying to give unqualified advise, which never once happened by the way, or accusing people of not wanting to pay off their debts, which I'm not guilty of you need to get your facts right because all you've succeeded in doing here tonight is show people that A.\ you obviously didn't read the entire thread, but only read a few bits and pieces and drew your incorrect conclusions from there B.\ You are a very slow witted individual who is incapable of differentiating between truth and irony and C.\ that youre a self righteous little individual who deserves nothing but contempt from those around you

MadsL · 21-10-2013 11:53PM

vixdname wrote: »

I, thank God, am in a decently paid career in the Pharma sector,

Here's a tip. By writing "No Blame" sideways across the back of the pharmacy receipts and adding "No Suing Us" in the small print, pharmaceutical manufacturers can avoid all cost associated with testing their products and the legal cost associated with people bringing suit when they spout an extra head.

General General · 22-10-2013 12:00AM

Seachmall wrote: »

vixdname wrote: »

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

vixdname wrote: »

Seachmall, have you actually read this thread in its entirety ??
If so, can you please show us all here where, even once where I have attempted to give ANY advise to ANYONE about ANYTHING ??

Seriously, please show us ???

It seems to me that somewhere in your obviously unbalanced little mind you have come to the conclusion that I am the type of person that believes people should be forgiven their debts and not face any consequences if they decide not to service those debts, when I in fact believe in the opposite and that was the reason that I originally started this thread as I couldn't believe what I was reading on the official offer page and simply wanted to find out if people were actually using this method against the banks, but if you read post #21 you'll see that I've already explained this.
Therefore your presumptuous, ignorant and self righteous comments above are they themselves contemptible and underline how completely wrong you are.

I, thank God, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

So before you start accusing anyone of anything, like trying to give unqualified advise, which never once happened by the way, or accusing people of not wanting to pay off their debts, which I'm not guilty of you need to get your facts right because all you've succeeded in doing here tonight is show people that A.\ you obviously didn't read the entire thread, but only read a few bits and pieces and drew your incorrect conclusions from there B.\ You are a very slow witted individual who is incapable of differentiating between truth and irony and C.\ that youre a self righteous little individual who deserves nothing but contempt from those around you

Eh.

Jesus H. Christ.

Seachmall · 22-10-2013 12:06AM

Vixdname,
I have read your post in it's entirety but there's on line, even word, that jumps out at me and entirely undermines your argument.

vixdname wrote: »

simply wanted to find out if people were actually using this method against the banks

Your use if the word "against" here is very telling. This is not a war, those in debt are not infantry on the front line loading their gas powered Steyr AUG A1 service rifles with poorly worded, Facebook inspired, questionably legal, letters of "Official Offers". Nor are the banks Soviet reminiscent, goose-stepping, suit wearing overlords that must be tackled and tarnished at every turn.

Resolution of financial troubles should be a collaborative effort founded on mutual respect and understanding of each other's situation, which you clearly fail to understand as you spread your freeman propaganda.

You and I want the same thing, however you have decided to take a view point which demands military aggression against an enemy that is, in reality, purely hypothetical.

I hope you humble yourself, come to your senses and lay down your arms before we see the civil and economic equivelant of Nagasaki and Hiroshima.

And don't bother back peddle as you did on your champagne comment, your posts are here for everyone to read. It's embarrassing to watch you squirm so much.

vixdname · 22-10-2013 12:09AM

MadsL wrote: »

Here's a tip. By writing "No Blame" sideways across the back of the pharmacy receipts and adding "No Suing Us" in the small print, pharmaceutical manufacturers can avoid all cost associated with testing their products and the legal cost associated with people bringing suit when they spout an extra head.

What sector do you work in Madsl, let me guess," The I'm an idiot who doesn't really read any of the threads on Boards fully but hang out in the shadows before springing in and posting my really witty comments where I hope I'll get loads of "LIKES" so as I can feel better about my inane, miserable, insecure little life sector perhaps"

MadsL · 22-10-2013 12:11AM

vixdname wrote: »

What sector do you work in Madsl, let me guess," The I'm an idiot who doesn't really read any of the threads on Boards fully but hang out in the shadows before springing in and posting my really witty comments where I hope I'll get loads of "LIKES" so as I can feel better about my inane, miserable, insecure little life sector perhaps"

Feel better now?

Good.

Pay your mortgage and stop looking for loopholes.

joe swanson · 22-10-2013 12:12AM

Its dangerous hocus pocus that is and will hurt vulnerable people sucked in by promises of making everything ok.

Legislation is needed to outlaw its promotion, often by people who are making money out of desperate people.

Filibuster · 22-10-2013 12:13AM

vixdname wrote: »

I, thank Allah, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

I hope your "pharma" qualifications are written at a angle of 45° or else they are not official.

vixdname · 22-10-2013 12:27AM

Your use if the word "against" here is very telling. This is not a war, those in
debt are not infantry on the front line loading their gas powered Steyr AUG A1
service rifles with poorly worded, Facebook inspired, questionably legal,
letters of "Official Offers". Nor are the banks Soviet reminiscent,
goose-stepping, suit wearing overlords that must be tackled and tarnished at
every turn.

And your qualifications to determine the use of the word "Against" in my sentence actually means that I advocate aggressive action against banks are what ??? Have you a qualification in psychology to be able to make such a wild assumption from simply one word ?

Resolution of financial troubles should be a collaborative effort founded on
mutual respect and understanding of each other's situation, which you clearly
fail to understand as you spread your freeman propaganda.

I in the past, now, nor in the future have had nor will have any connection with Freemen, I became aware of them tonight from posts earlier on in the thread but the more I read about them the more I see them as ridiculous, therefore you again ASSUMPTION about me is completely incorrect

You and I want the same thing, however you have decided to take a view point
which demands military aggression against an enemy that is, in reality, purely
hypothetical.

Military aggression, are you for real ? All this from using the word AGAINST, you really do read way too much into things

I hope you humble yourself, come to your senses and lay down your arms before we
see the civil and economic equivelant of Nagasaki and Hiroshima.

I have no arms to lay down, again, what are you talking about, you really and truly are amazingly wrong in your presumptions

And don't bother back peddle as you did on your champagne comment, your posts
are here for everyone to read. It's embarrassing to watch you squirm so much

I'm delighted my comments are there for everyone to read because 99% of them will read them as they were meant to be read and not be so idiotic as to not be able to grasp the idea of irony.
If I meant the champagne comment in the context that you believeI meant it in, it wouldn't actually make any sense.
The day I squirm in front of someone like you will be the day I die my friend

General General · 22-10-2013 12:31AM

Filibuster wrote: »

I hope your "pharma" qualifications are written at a angle of 45° or else they are not official.

Careful. There was mention of qualifications & working in 'pharma'... not of 'pharma' qualifications, which I think we can possibly rule out.

ColeTrain · 22-10-2013 12:35AM

It's an official offer yo, we ain't paying **** and there's no nothing you can do about it. Take that capitalism.

vixdname · 22-10-2013 12:36AM

General General wrote: »

Careful. There was mention of qualifications & working in 'pharma'... not of 'pharma' qualifications, which I think we can possibly rule out.

Yeah, they gave me a job in Pharma because I have a masters in Journalism

MadsL · 22-10-2013 12:37AM

vixdname wrote: »

I in the past, now, nor in the future have had nor will have any connection with Freemen, I became aware of them tonight from posts earlier on in the thread but the more I read about them the more I see them as ridiculous, therefore you again ASSUMPTION about me is completely incorrect

http://www.freemenofwaterford.com/

General General · 22-10-2013 12:41AM

vixdname wrote: »

Yeah, they gave me a job in Pharma because I have a masters in Journalism

Do you have a masters in anything?

vixdname · 22-10-2013 12:41AM

Filibuster wrote: »

Did you know Madsl has a small knob.

No...No I didn't

Filibuster wrote: »

Yep, and himself and Seachnall are, well shall I say, "Bedfellows"

And you're telling me this why ???

vixdname · 22-10-2013 12:48AM

General General wrote: »

Do you have a masters in anything?

Masters in analysis of Pharmaceutical Compounds MSc from UCC

Do you ???

marshbaboon · 22-10-2013 12:51AM

"Dear Bank,

Please find enclosed a black and white photograph of my testicles. I am sure this will cover any and all associated costs and I expect not to hear from you again,

Yours sincerely,
(apply semen stain here)"

...Worked for me.

ColeTrain · 22-10-2013 12:51AM

vixdname wrote: »

Masters in analysis of Pharmaceutical Compounds MSc from UCC

Do you ???

Do you like The Simpsons?

Jimoslimos · 22-10-2013 12:51AM

Oh dear! What is it about this Freeman nonsense that results in previously normal posters turning crazy?

vixdname · 22-10-2013 12:53AM

ColeTrain wrote: »

Do you like The Simpsons?

Love them

The "Official Offer" Letter To Banks

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