Colin Hendry

[Gav]

  On 09/04/2012 at 19:20, Baz said:

If they had really sat down and looked at his IVA proposal

Well thats his first mistake taking out an IVA!

Why pay a bleedin solicitor to talk to his creditors, they charge thousands for the privilege, when he can ring them himself and cut out the leach?

Sad state of affairs indeed.

[Stuart]

  On 09/04/2012 at 19:40, GAV said:

Well thats his first mistake taking out an IVA!

Why pay a bleedin solicitor to talk to his creditors, they charge thousands for the privilege, when he can ring them himself and cut out the leach?

Sad state of affairs indeed.

I'm guessing because solicitors know how best to work the system how the law works so that people can avoid having to pay their bills reduce their liabilities.

By the sounds of things the process works!

[Gav]

  On 09/04/2012 at 19:46, Stuart said:

I'm guessing because solicitors know how best to work the system how the law works so that people can avoid having to pay their bills reduce their liabilities.

By the sounds of things the process works!

I have nothing to do with debt or debt collectors, solicitors or IVA's, but simply you ignore your creditors and they come after you, you ring them and offer to pay they don’t, why pay thousands to a solicitor to make that call?

Lack of knowledge or madness?

[Jock]

I'll not worry about Hendry's finances. He should be a real man and pay back that family what he can afford every year until the debt is paid.

[Gav]

  On 09/04/2012 at 20:03, Jock said:

I'll not worry about Hendry's finances. He should be a real man and pay back that family what he can afford every year until the debt is paid.

[Dunnfc]

Exactley truly disgusting. Hang his head in shame.

[Stuart]

  On 09/04/2012 at 19:55, GAV said:

I have nothing to do with debt or debt collectors, solicitors or IVA's, but simply you ignore your creditors and they come after you, you ring them and offer to pay they don’t, why pay thousands to a solicitor to make that call?

Lack of knowledge or madness?

I'm not expert either but, making the obvious assumption that there would naturally be communications prior to any bankrupcy decision, here's a hypothetical scenario:

Borrower: Hi I can't pay back the £10,000 I loaned from you, would you take a cheque for £5.34 and half a tube of toothpaste?

Lender: No, I'll have the £10,000 - thanks all the same.

Borrower: Well, here's the thing. It's the £5.34 and the toothpaste - or nothing.

Lender: I'll see you in court.

At this point the borrower will either get, or direct an existing solicitor involved.

I fully agree with Jock though, and given your thumbs up, assume you are playing devil's advocate.

[Jock]

Fancy talking to an ex-player who said 'Kean should be sacked but he cant say that to the media because he's skint' Then reading that he's told the press that Kean is doing a great job.

[Gav]

  On 09/04/2012 at 20:18, Stuart said:

I'm not expert either but, making the obvious assumption that there would naturally be communications prior to any bankrupcy decision, here's a hypothetical scenario:

Borrower: Hi I can't pay back the £10,000 I loaned from you, would you take a cheque for £5.34 and half a tube of toothpaste?

Lender: No, I'll have the £10,000 - thanks all the same.

Borrower: Well, here's the thing. It's the £5.34 and the toothpaste - or nothing.

Lender: I'll see you in court.

At this point the borrower will either get, or direct an existing solicitor involved.

I fully agree with Jock though, and given your thumbs up, assume you are playing devil's advocate.

Judge - How much can you afford to pay

Borrower - Please see my income and expenditure form

Judge - The borrower can afford to pay a cheque for £5.34 and half a tube of toothpaste

Lender - Ok then the law states I cannot claim more than the borrow can realistically afford to pay

No need for a solicitor at £50 an hour and taking 5% of the total debt as commission for dealing with the lender!

You do the maths

[Stuart]

  On 09/04/2012 at 20:44, GAV said:

Lender - Ok then the law states I cannot claim more than the borrow can realistically afford to pay

Is that factual? And given that it's suggested on the website that he's is still drawing a tidy pension, does that seem obvious to a layman that he could claim poverty as a defence. I'd suggest a solicitor would know the ins and outs of this - which is why they can charge what they do.

Also, it's probably also likely that the law states you can't borrow more than you can realistically afford to pay back. Hence why he had to his friend to help.

Which is where I came in originally: Don't lend money to your mates.

[Gav]

  On 09/04/2012 at 20:57, Stuart said:

Is that factual? And given that it's suggested on the website that he's is still drawing a tidy pension, does that seem obvious to a layman that he could claim poverty as a defence. I'd suggest a solicitor would know the ins and outs of this - which is why they can charge what they do.

Also, it's probably also likely that the law states you can't borrow more than you can realistically afford to pay back. Hence why he had to his friend to help.

Which is where I came in originally: Don't lend money to your mates.

Not sticking up for Hendry at all and his situation is different to most...

But an IVA for a layman isn't the way to go, if anyone is thinking of taking out such a policy please PM me first, complete rip off in most circumstances, why pay money to a brief when that cash should be paying your creditors???

Edited April 9, 2012 by GAV

[perthblue02]

  On 09/04/2012 at 20:57, Stuart said:

Is that factual? And given that it's suggested on the website that he's is still drawing a tidy pension, does that seem obvious to a layman that he could claim poverty as a defence. I'd suggest a solicitor would know the ins and outs of this - which is why they can charge what they do.

Also, it's probably also likely that the law states you can't borrow more than you can realistically afford to pay back. Hence why he had to his friend to help.

Which is where I came in originally: Don't lend money to your mates.

or Venky's

[Stuart]

  On 09/04/2012 at 21:17, GAV said:

Not sticking up for Hendry at all and his situation is different to most...

But an IVA for a layman isn't the way to go, if anyone is thinking of taking out such a policy please PM me first, complete rip off in most circumstances, why pay money to a brief when that cash should be paying your creditors???

A solicitor out of t'Yellow Pages or 'GAV' off of BRFCS - you can see why some ignorami would go for the former.

It's a good point you make though!

[Baz]

  On 09/04/2012 at 21:17, GAV said:

Not sticking up for Hendry at all and his situation is different to most...

But an IVA for a layman isn't the way to go, if anyone is thinking of taking out such a policy please PM me first, complete rip off in most circumstances, why pay money to a brief when that cash should be paying your creditors???

Agreed on the solicitor / creditor front Gav, but the IVA specialists are much better salesmen than solicitors. I'd recommend your local Citizens Advice Bureau for those with debt problems, or any such free organisations.

[Gav]

  On 09/04/2012 at 21:41, Stuart said:

A solicitor out of t'Yellow Pages or 'GAV' off of BRFCS - you can see why some ignorami would go for the former.

It's a good point you make though!

I've said enough on the subject

[waggy]

  On 09/04/2012 at 10:46, Mattyblue said:

Wasn't there 'personal reasons' behind his move to Rangers?

I MET HIM IN ST TROPEZ DURING THE WORLD CUP 1998,HE TOLD ME HOW MUCH HE AND OTHER SENIOR PLAYERS HATED WOY

[SIMON GARNERS 194]

Lived in a house worth 300k and couldn't/wouldn't pay back money borrowed in good faith?...I think I'd be rather p!ssed off too.

[blueboy3333]

Just seen him on BBC news saying that the protestors 'are in the minority' and that Kean has handled himself with dignity. What a legend

[braddock]

Wahey!

Good old Colin

[Mattyblue]

You kick one Scot...

[blueboy3333]

  On 10/04/2012 at 15:01, braddock said:

Wahey!

Good old Colin

Wahey! Good old Braddock

[Mike Graham]

  On 10/04/2012 at 14:57, blueboy3333 said:

Just seen him on BBC news saying that the protestors 'are in the minority' and that Kean has handled himself with dignity. What a legend

Must have had a wad off the Venky's to come out with that sh!te.

Get a grip Big Col, you are tarnished.

Would he fork out for a Season Ticket, or borrow the money for one from some bloke down a local St Annes betting office.

Edited April 10, 2012 by preston blue

[K-Hod]

Whatever anyone thinks of him, he's living in my 'hood nowadays and I saw him walking his dog yesterday.....

He's often in The Alma on a Saturday and I seem to be the only one that's still not had a photo op with him! (He was in the stocks at said pub for a fundraiser in July).

[Mattyblue]

From Lytham to Bash... now he definitely has hit rock bottom! 

[Scotland1]

Probably something to do with this (Note one Ian Battersby arrested) https://www.dailyrecord.co.uk/news/scottish-news/former-rangers-star-colin-hendry-12639870