What happens if you dont pay your credit card bill?

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 21:27

hi everyone



can you advise me as to what happens in cyprus/turkey if credit cards are not paid in time?



i want to compare your advice to what i'm getting told from the person involved.



thanks

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
21/09/2008 22:21

Turkey and Cyprus are two very different countries with a totally different legal systems. Is the person in question and the account in Cyprus or Turkey?

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 22:26

hi elko2



he works and lives in cyprus

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
21/09/2008 22:29

I hope he is not expecting you to pay it off/make a payment for him.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 22:38

No he's not Hector, But why do you think this?

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
21/09/2008 22:40

Call me a silly suspicious old Hector, who having read your previous post about finding a job for your boyfriend, am simply finding my protective instincts cutting in.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 22:45

Don't worry Hector my head's screwed on correctly!!! Can you tell me what happens if it's not paid in time? I need to know if i'm being lied to or not. thanks

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
21/09/2008 22:55

I can only refer to UK credit cards. The company could call the card back and demand payment in full, more likely it will ramp up the interest rate on the whole outstanding amount (they make their money on those who don't pay off in full each month). Do you know which credit card it is? You should be able to look up on line what the rules are re late payments (although if Turkish could be difficult).

I would strongly advise that he contacts the credit card company asap to explain and make some sort of payment. He could be blacklisted for further credit very quickly. In the UK late payments are immediately recorded by the credit rating companies i.e. Experion and therefore affect further credit straight away.

If the Cyprus rules re criminal offence re bouncing cheques applies to late credit card payments he could be in trouble.

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
21/09/2008 23:05

Just a reminder

http://www.phpbb88.com/northerncyprus/viewtopic.php?t=14339&mforum=northerncyprus

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 23:08

Thanks Hector for this. I know the rules for credit cards in the UK, but i'm sure they must be different in Cyprus. I get the impression they're not quite so leniant as us in the UK!!! I don't know which credit card it is but i've been told that he will go to prison if he doesn't pay within 14 days. I really need to know if this is true or not. He hasn't made a payment for 2 months. He's sold his mobile (or so i've been told) but that doesn't cover what he owes.

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
21/09/2008 23:14

That's worrying. Have you tried asking on the other forums?



http://trncvillaowners.phpbb3now.com/viewforum.php?



http://www.phpbb88.com/northerncyprus/viewforum.php?f=1&mforum=northerncyprus

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 23:35

Hi Hector



I am looking at these sites but my god! the 2nd one is so confusing!!!



Thanks and i will keep looking.

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
21/09/2008 23:40

Credit cards normally have high interest rates monthly and the interest of each month is consolidated with the capital, so it is a compound monthly interest rate.

For example, if the monthly interest rate is

4% per month, the annual compound rate is 60.12%

5% pm becomes 79.62% p.a.

6% p.m. becomes 101.27% per annum.

so if you intend to pay these, pay them fully each month otherwise the accruing interest is exorbitant.



Now the answer to your question:

If you do not make a payment at all for a long time the bank passes it on to their advocate for court action.



If you stand firm the advocate for the bank will try to bargain with you and reduce the interest somewhat. If you employ an advocate also, he/she can bargain on your behalf more strongly. There are lots of technical points to base your defence but only if you have a reasonably good lawyer.



At the end of the day suppose the court orders you to pay so much. what happens if you do not pay? The bank will take out a writ against you and if they can locate you they will confiscate some goods from your home and sell them to meet your debts. Don't worry too much about this, normally the bailiffs file in a paper that they did not find anything to confiscate. The next step for the bank is to argue that you earn so much a month and can pay so much a month. You can oppose it and say that you do not earn any money or you earn very little. the court will order you to pay so much a month depending on how much you earn irrespective of how much you owe to the bank.



If you still refuse to pay the monthly installments as ordered by the court, the bank will apply to the court again and ask for your imprisonment for deliberately disobeying the court order. You may say that it was not deliberate and put in a defence. Otherwise the court will sentence you to imprisonment for so many days for disobedience. The bank will repeat this operation for each month that you disobeyed the court order.



In short, you do not go to jail for not paying your debts but you can be sent to jail for disobeying the court order deliberately i.e. for not paying the installments as ordered by the court *in accordance with your earnings*.



Is it as clear as mud?

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 23:45

Hi elko2, this is just what i needed someone to tell me and yes! it is as clear as mud!

thanks

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
21/09/2008 23:48

Uzhan,

You only had to ask, you are welcome. If you need a good lawyer, don't bother to ask on these forrums, many people recommend on very flimsy reasons.

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
21/09/2008 23:55

Elko2 Do you know how long imprisonment can be for?

flightholiday


Joined: 19/07/2007
Posts: 3217

Message Posted:
22/09/2008

We are to assume that your other half is asking your help for debts that he/she has built up?



If they are staying with you (as a guestetc.). Then (I think) only their goods can be touched by the courts or a court officer unless you are legaly entangled (married?).



These questions are best asked of a good reputable lawyer. If you need one (and are based in the right part of North Cyprus) ask Ismet as he is related to one. I suspect this is part of the reason why his answers are so good and straight.



Tom

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
22/09/2008 00:19

Each application for imprisonment usually covers disobedience for a few months but it is really up to the advocate to decide how soon or late to make such an application and it is customary to ask for for a period of imprisonment not exceeding one month. If it is not defended the judge will normally grant one month imprisonment but that is not the end. If you go to prison for disobedience for a number of installments, those instalments are taken as paid but the advocate will make applications for the rest of the installments. So at that stage there is no escape unless you run away. BTW, the advocate deposits 17 YTL to the tax office for the upkeep of the prisoner for one month. Actually this is a very good value for money. Where else can you get full board for one month for just 17 YTL? Once the police comes to arrest you, you can pay there and then or ask for a few days to find the money but you pay the installments plus the cost of the application which is about 100 YTL plus 17 YTL for the upkeep that was paid to the tax office. So if you do not intend to go to prison, you might as well pay the instalments in time once the court orders you to do so.

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 00:25

hi to everyone that has responded to me. to put you in the picture, yes my other half has run up some debts. apparantely when i went out to see him 5 weeks ago, he took money out on his credit card for spending that i was not aware of, and now cos he's since lost his job cos the work he was doing has finished, he can't make any payments.



He sold his mobile, went to court with the proceeds from the sale and told them he doesnt have any more money to pay the rest until he finds work, and they said he has until 5th october to pay the rest or he goes to prison.



Yes, he has asked me to help him, but i don't have the money to do this.



WHY DID I POST THIS QUESTION? cos i wanted to know if it's true that he will get sent to prison for not paying up, to which Ismet has explained some things to me, or is he spinning me a lie to try to get money out of me?



I guess in a way, yes he is disobeying the court order cos he simply can't pay anything, so i guess that must mean he's going to prison - but for how long is what i'd like to know now and will he be able to inform me he's going to prison before he's taken there or do i just have to wait god knows how many months till he contacts me?

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
22/09/2008 01:14

Uzhan,

Please get this right: He does not go to prison for not paying what the court ordered. He goes to prison only if he is ordered to pay so much a month and if he does not, then there will be another call on him to explain why he disobeyed. In the first place since he is out of work the judge will not order him to pay any monthly instalments. So if anybody is telling lies, it is the advocate for the bank who is trying to frighten him off. Please explain all this to him but not so easy.

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 01:42

Hi elko2 i understand this, but i'm still confused. If he isn't ordered to pay anything now cos he's not working, will they just hold it off till he finds work and then does he have all backdated interest to pay then too?



sorry for my ignorance, but this is doing my head in!!!



It's very hard to try to explain things to each other via msn!!! Especially when english is limited. Hence me coming on here.

MUSIN M


Joined: 26/06/2008
Posts: 1352

Message Posted:
22/09/2008 01:57

ELAINE



how much is his debt ,and even if he does not work he can offer some monies each week ,the prison senario is a long way off and as ismet says he can only

go to prison if he disobeys the court ,i think maybe you have not understood him fully or its half stories.

good luck

musin

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
22/09/2008 02:19

Elaine, has he got family or friends who could loan him the money until he gets a job to repay them? That would seem the simpliest solution. At least then he avoids the penalties the Court will impose, and can repay the debt without all the Court costs on top etc., Just a suggestion BTW.

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
22/09/2008 08:23

Since he is outof work he will not be ordered to pay monthly installments but the interest will keep piling up.



The smart thing to do iwas to defend the case right from the start. As I said earlier, there were lots of technical defences and excuses but if the case went undefended its too late now.



If it is of any help, he can have my msn address and contact me directly so that I can explain all this to him directly in Turkish

ismet.ustuner@hotmail.com

ismet

PS: Thanks for joining us at TRNC VO

dalartokat


Joined: 14/04/2008
Posts: 734

Message Posted:
22/09/2008 09:13

Uzhan4Elaine, really would take Ismets offer to talk to your friend in Turkish to avoid any confusion with the advice As Kay has also said I would ask around for offers to pay this debt, although short term, it gives a bit time to sort things out for you. Good luck anyway.

punk rocker


Joined: 24/07/2008
Posts: 152

Message Posted:
22/09/2008 10:11

ISMET,

It is so refreshing to find someone like you who tells it like it is, you are a gem of a man and I am really chuffed what you said about lawyers in your message 15, as too many people just open their mouths and spout off names without giving any thought to matters, it is my firm belief that we should not be promoting legal firms or builders/developers on these sites as it can lead to a lot of heartbreak for a lot of people

Keep up the good works amigo

Groucho



Joined: 26/04/2008
Posts: 7993

Message Posted:
22/09/2008 10:56

I agree that filling the pockets of Lawyers who do nothing to protect your interests is tantamount to flushing money down the loo...



You wouldn't be happy paying a mechanic who you've asked to look at your engine if all he does is peer under the bonnet and suck in breath to indicate "it's going to be expensive!" and hold out his hand, would you? Well that's about as much as a lawyer will do for one thousand pounds here!



Don't bother to engage a lawyer... there is almost nothing if not nothing in the conveyancing process that you can't do yourself.



From what I can gather here many Lawyers are not Solicitors or a Barristers or a QCs (which many claim to be) or anything other than an ex-University (sometimes dodgy University) law students.



I also think the local Bar Assocation here should be ashamed of it's complicity in this scandal....

Groucho



Joined: 26/04/2008
Posts: 7993

Message Posted:
22/09/2008 10:57

I realise it's a bit off-topic but it flows from the discussion

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 12:50

msg 26,



I'm sure he can recommend a lawyer, too.

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 12:51

Elaine,



My gut instinct tells me you should walk away. Now.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 12:58

Hi PtePike, i had a feeling you would say that cos i know you read my previous posting too.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 12:59

Hi elko2



I will give him your address and suggest that he contacts you. It's up to him then.



Thanks ever so much for your advice. I know you know what you're talking about. x

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 13:09

Elaine,



It comes with the best of intentions.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 13:50

Pte Pike - for what reasons? cos u think he's taking me for a ride perhaps?

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 14:01

It's hardly in the same league, but Paul McCartney certainly now wishes he had listened to the advice of others. He was blinded to the reality that was staring him in the face.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 14:07

Hi Ismet



I've just spoken to him and he says he will go to msn tonight.



But he says he's already spoken to lawyers and they have told him he has 1 option only and that is to pay it all in the next 2 weeks.



Watch this space!!!

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 14:09

PtePike



Yes not in the same league at all, as Paul McCartnety has plenty money. As for me - i don't have any so he ain't gonna get anything out of me, if i've nothing to give in the first place.

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 14:15

OK, good luck to you. I would steer clear of someone who can't control their finances, personally.

ROBnJO


Joined: 30/06/2008
Posts: 1289

Message Posted:
22/09/2008 14:38

I may have missed something here,... but do we know who the card issuer is?



This is critical.



If it's registered as an 'International' card with a symbol such as Visa or Mastercard and covered by their regulations, you cannot go to prison for CC debt which is considered 'Unsecured'.



If it is an 'International' CC, I can offer some advice.



If it is a Turkish, or other non regulated CC, I cannot help.





rob

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
22/09/2008 14:46

Rob,

You got me interested. I am trying to learn something new everyday so as to retard the effects of old age



Say I ahve a card from HSBC and it has Visa amblem on it. I fail to pay my credit and they take me to court here in Cyprus. Do I have a full defence simply because it has Visa amblem on it?



I would like to hear more on this. Can you refer me to some sites as well pls.

Thanks.

ismet

ROBnJO


Joined: 30/06/2008
Posts: 1289

Message Posted:
22/09/2008 16:11

ismet



Age brings much and takes much!



Any CC that carries such as a Visa or Mastercard Logo has accepted the worldwide regulations of that organisation. It doesn't matter who the card issuer is.



In any 'default' the issuer will normally be very agressive, with threats of Court action, future credit denial, endless letters from Debt Collectors, home visits, repossession of any property (if they own one outright) or any other threat they can think of.



It's all a game to try to push the borrower to repay their debt even if it means the borrower borrowing from someone else!



The biggest mistake borrowers can make is to ignore the letters.



Most lenders will accept vastly reduced payments and freeze interest and charges if the borrower makes contact, with details of their financial position.



If your CC minimum payment is, for example, £100pm, most lenders would nowadays accept £5/10pm, maybe less, rather than risk losing the whole debt through Court action or bankruptcy.





Most card issuers are very short of such information on their paperwork, which is why, in the UK for example, many people with debt problems turn to such as Citizens Advice, the CCCS, or other Councelling organisations.



There is no point in any lender seeing a borrower jailed for debts as they will obviously not be in a position to earn any money or make any repayments.



As I said though, this only applies to internationally 'Logo' cards.





rob

Groucho



Joined: 26/04/2008
Posts: 7993

Message Posted:
22/09/2008 16:26

Elaine,



Pte Pike (I don't often agree with him) has, like me, read this and your other posts and quite frankly formed the opinion that you are heading for a fall. It may be that in reporting your quandary you have given us all a false impression..... but if you have not.. ask him for sight of the court order.. if there is none then he's not in danger of being gaoled.

Hector


Joined: 26/08/2008
Posts: 2352

Message Posted:
22/09/2008 17:19

Great to see, as usual, that the forum members only have someone's (here it's Elaines) best interests at heart. Elaine,I hope you will take the advice under that positive interest. I suspect that you are also wary (and rightly so) otherwise you would not have requested the advice. You are doing the right thing in asking.

Hector

Elliecy


Joined: 21/07/2008
Posts: 153

Message Posted:
22/09/2008 18:03

Hi Elaine, having read and responded to your previous thread, I personally think that this all sounds bit of a story. If you say you were out 5 weeks ago and he borrowed money, I find it a bit odd (knowing how slowly things work here), that payment has already been demanded and that he is facing prison? That is usually a last resort and can take some time. I'm sorry but unfortunately it sounds to me, like he's just trying to get some money from you. I know its difficult, but in this situation, I think you need to try and be objective and do what is right for you. If someone asked you the same question, what advice would you give them? Hope it all works out for you.

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
22/09/2008 18:25

Elaine, listen to what people are saying to you - give it up. He doesn't seem worth it!

davidoff


Joined: 21/04/2007
Posts: 438

Message Posted:
22/09/2008 18:38

Hi all,



Elaine- be careful as when it comes to money you cant trust ANYONE!!



Ask him for more info and see how he responds??



Dont let anyone emotionally blackmail you or manipulate your feelings to suit their needs and greed??



If they do they are not worth it !!!



take care all the best d x

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
22/09/2008 18:43

Message no.44 is spot on. It will take at least 6 months and do not count the months July, August and September because of the summer vacation, so that makes a minimum of 9 months before it gets to the stage of imprisonment.

ismet

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 22:03

Well guys, thank you all for responding to my "problem". I am taking everything that you are all saying "on board". There's no point in me asking for advice if i'm not going to listen to it. But i also have to add that i am firm believer of "innocent until proven guilty" so watch this space.



Hector - you are SPOT ON!!! Yes i am very wary (who wouldn't be!) and that's why i came on to this forum.



I will find out in time what's going on and will come back and let you all know. He knows i'm on to him now cos i've given him Ismet's msn address and he's been asking me how i know Ismet. He's assured me they will speak, so there's no backing out for him now is there? Even if i have to arrange the meeting myself, believe me they WILL speak very very soon!!!



Thanks again guys and WATCH THIS SPACE!!!

PtePike



Joined: 20/05/2008
Posts: 2334

Message Posted:
22/09/2008 22:23

Better than Big Brother, this. Get the CCTV fitted. ;

no1doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
22/09/2008 22:32

John, don't tell me you watch Big Brother!

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
22/09/2008 23:59

WHO NEEDS A TV WHEN YOU HAVE CYPRUS 44 FORUM!!!

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
23/09/2008 00:28

No1Doyen. Please don't repeat yourself Maureen.

Elaine - keep us all informed please.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
23/09/2008 00:34

Hi w26kay - I will i promise. The sooner i get to the bottom of this, the better.



Like i told ismet, i LOVE a challenge and this is certainly the best challenge i've had in a long time.



I have my head screwed on and am aware of the good and the bad on this one. Some people would say more bad than good. We will see. I'm prepared for the worst, so anything better would be just greeeat!

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
23/09/2008 02:34

The best advice I can give to you Elaine is don't let your heart rule your head. It's very difficult to look at things objectively in your situation. I can fully understand how you feel about this man. You are clearly a nice person to be so concerned about your boyfriend, albeit from so far away. Not everyone is as nice as you. Listen to the advice on this forum, you have "old heads" on here, good advice from Pikey, Groucho etc., and especially the wise Ismet (sorry Ismet, but you are more mature (and therefore sensible) than most of us) You may have to walk away from this, but although it may feel like it's the end of the World, it really isn't. Please please be careful. Heed the warning signs.

Anyway, there are plenty of fishes in the sea, you only have to swim around a little bit! You never know the next one will shower you with everything you deserve.

Kind regards.

Kay x

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
23/09/2008 10:06

No1Doyen. Please don't repeat yourself Maureen. ???????



Sorry, I don't understand that one! Enlighten me.

Harold2555



Joined: 19/04/2008
Posts: 1139

Message Posted:
23/09/2008 11:05

No1Doyen



I can spread light on the Maureen part I think. It comes from a Harry Enfield Sketch show where a completetely befuddled and useless Pub Landlord, would shout up to a never seen (possibly non existent) wife "Maureen its getting a bit busy down here luv)



How this relates to you repeating yourself is beyond me.



Paul

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
23/09/2008 11:32

You are right Paul - totally confusing remark.



We wait in anticipation of an explanation!

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
23/09/2008 16:11

It is not from a Harry Enfield sketch Paul, it is from the "fast show", - a sketch where a woman constantly repeated herself. As you repeated yourself by posting twice, I made a joke, simple as that really. No offence intended to you, just a bit of lighthearted humour, if indeed that is still allowed?

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
23/09/2008 16:31

Hi Kate, Posted twice? I can't see where !! No offence taken by the way - just bewildered.

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
23/09/2008 21:09

Hiya it was certainly there twice last night, or I was having a premature senior moment?! LOL.



Glad you have taken no offence BTW

no1doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
23/09/2008 21:15

Not at all w26kay. Have a good evening

Harold2555



Joined: 19/04/2008
Posts: 1139

Message Posted:
23/09/2008 22:46

Kay



Couldn't see the double posting either but admit to the senior moment re Harry Enfield.



Knew it wasn't meant to offend



Harry

w26kay



Joined: 14/10/2007
Posts: 479

Message Posted:
24/09/2008 01:17

I was in a sort of "family" mood. My sister in law and I say this to each other all the time, when we repeat something we have already told each other, which unfortunately happens often.LOL. Well it is a friendly BB here (for the majority of the time, and the odd exceptions) or am I being too Happy Clappy here? I don't mean to be. If I call you Maureen again just shout at me.



Paul - I often get Harry Enfield and the Fast Show confused. Wasn't it a spin off from Harry's supporting actor Paul Whitehouse (I think) who wanted his own show? Both good shows BTW in their time.



Anyway back to the original posting. How is Elaine getting along? Any news Elaine?

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
24/09/2008 01:37

OK everyone, Kay is NOT going mad!! The double posting WAS on this board last night, but it seems to have disappeared. Come on, own up - who's deleted it???



Don't worry Kay, I saw it!!!!



Elainex

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
24/09/2008 01:48

Hi Kay



Ok my news so far: Ismet kindly gave me his mobile number last night and Uzhan rang him 5 minutes after i asked him to this morning. It seems he is telling the truth about not paying his credit card debts and his court hearing has been set for November this month, not October as i was told, so i will be finding out more when i speak to Uzhan!!! Maybe i was misheard, maybe i was lied to - we will see.



Ismet has given him some good advice about getting a lawyer but as Uzhan says - he can't afford one so, again, i will be having words.



Anyway, so far, it seems that he has been telling me the truth with a few major/minor adjustments along the way!!! But the fact about him going to prison in 2 weeks is not real, so again, i will be having words. Seems like i'm going to be having an exciting time on msn!!!



As i have always said, "innocent until proven guilty". I'm not giving up yet and i will get the truth in the end.



I will keep you all posted. The sooner i get to the bottom of this, the better. I should have started my own private detective company.

uzhan4elaine


Joined: 30/08/2008
Posts: 76

Message Posted:
24/09/2008 01:49

Ismet - THANK YOU SO SO SO MUCH FOR YOUR HELP xxx

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
24/09/2008 09:32

Come on, own up - who's deleted it???



I think it's only the moderator that can delete posts.

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
24/09/2008 11:36

Elaine,

Please have a look at these threads:

http://www.cyprus44.com/forums/1691.asp

http://www.cyprus44.com/forums/2564.asp



Something to think about.

ismet

Groucho



Joined: 26/04/2008
Posts: 7993

Message Posted:
24/09/2008 11:54

Re deleted duplicate post... if they did they thought they were doing everyone a favour.... which it was...