Wonga Scotland, why you can’t keep a joint credit card after divorce

Posted by: on Sep 10, 2014 | No Comments

wongaI have been watching and listening to Independence debates with increasing frustration as politicians and programme makers dumb down the substance of debate to the point of farce.  Is this because they feel the general public don’t or can’t understand? What arrogance and contempt.  People understand complex ideas perfectly when they are expressed in a language they understand, and everybody talks the language of love.

Convoluted and complicated imagery is designed to conceal and exclude but everybody understands principle and logic when expressed in simple everyday language.  For example, if after divorce your ex-partner continues to use your credit card with no intention of paying you back, I defy anybody, maybe bar the Rotherham PCC Mr Wright, to understand that situation is intolerable and therefore must be resisted at all costs.

To delve a little deeper, why is it intolerable?  1. If you take something without intending to pay for it, that is theft.  2.If theft and non-payment occurs on my credit card, either I have to pay the credit card company to maintain my credit score, or the account goes unpaid and my credit history is impaired.

So, if Scotland wants to leave, they leave the joint credit card as well.  The remaining parts of the island have no choice but to take away the credit card after divorce, and when Mr Salmond says “it’s ours” he exposes a deeper truth.  When he gets excited he muddles his tenses, The Bank of England was yours, it remains ours.  To leave is to vacate, and you can’t leave a marriage with a joint credit card, sorry.

Starting anew is always daunting, others are mistrustful, and it takes time to win that trust.  With a diminished credit history, companies are only willing to lend at higher rates which holds back progress.  Need I say more.  Divorce is a costly, painful business from which some never fully recover.

Welcome to Wonga Scotland.

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