Barozi said: sry I don't believe you one bit. |
You don't have to believe me doesn't change that it's a fact lets start by looking at the strawman example you've given murder is a different class of crime from fraud which has many different levels as with murder the level of damage to the victim is the same as someone dies and it's not the company the person works for who takes action it's the person's family do you know how many companies would be in court everyday if they sued for the murder of their employees? You really think KFC would sue a random mugger for stabbing Jeffrey who works the til? Taking out a phone contract or TV then not paying is minimal damage to a company police here aren't as concerned over that. UK law requires that companies have to make contact (as in the person has to let them know they're aware of the situation) with the person before any action is taken then if contact is made they have to give options of repayment repossession in the UK has huge regulations on it so bailiffs are not an option for companies so most people just default on the payments or never make contact with the companies and it gets written off, the result is companies sell the debt to debt collecting agencies who tried to reclaim some amount but most of the time don't so end up just hitting the person's credit score practically all the time the is no jail time given because the person can just say well I don't have the money to pay right now it would be on you to prove it was actual fraud which you would never be able to do.
In Uk no account that you make purchases like the ones you're on about does so with out credit checks non you either have to buy upfront with out checks or go the contract route with out checks, if you're not from the UK you can't get anything until you're in the system that's how it works here as if they don't see you on the system then they won't allow you to have such contracts as you need an actual profile history (address history for 3 years, valid passport etc...). Companies that offer such options get their information from credit agencies who have access to your credit profile they're registered clients of these agencies who do the checks for them it's nowhere near as simple as you think it is to fraud is a very grey area hence why a lot of people get away with it which is why credit ratings became so prominent.
Want an example of how people can get away with it look up Wonga who got fleeced hard in their quick loan business the government ruled that the letters they sent people who weren't paying were threatening when one person took action against them and not only violated rights but also deemed Wonga were lending recklessly with out factoring in people's circumstances so all the debts owed got written off as people feigned ignorance.
Last edited by Wyrdness - on 02 July 2019