Well vintagefrogman@aol.com, I dont think I deserved the emails you sent me saying I am a coward etc. My correct email address is above which is why I got your responses.(posted 8208 days ago)Is it so upsetting to you that you have somebody put the other side of the argument to you? There are two sides to every story and I (hope) I have helped people on these pages and the debt UK pages many times and I am not sitting on either side of the fence.
Yes, it is bad to lose your home particularly if the reason, such as loss of job, is not your fault - and yes, it is bad when your creditors come after you years later through tracing agents - so are you going to bad mouth the police when they arrest you for say drunk driving - thereby stopping you from potentially killing somebody? Have you ever been in a situation where somebody else owes you money and you have had to fight for it? I can tell you from practical experience of both sides of the coin that it is a fact that courts are very lenient with debtors - but, and I speak as a landlord, when I have to pursue a tenant who has disappeared without paying hundreds of pounds of rent, I have to prove every step of the way or my case is chucked out.
Just because I see another point of view is no need to send me mildly threatening and abusive e-mails which I have not responded to personally and directly because this is a forum I am addressing, not your particular situation. But if you want help, I will give it to you gladly through these pages.
I have seen both sides of the coin, I have been sued, I have had money problems including near bankruptcy, and I have had people decamp owing me lots of money. I can speak with experience, and I try to use this to help others who are or may soon experience what I have been through.
I have never had my house repossessed, but I have come bloody close to it! So, does this pout your mind at rest vintagefrogman?