Like the above post I have no issues what so ever in getting on over on the banks, they have no right what so ever to claim the high ground on this one, after the last 2 years the mess they have put the world in.
Last night, in bed I was giving it some serious thought - it would allow me to get a house and my CPL. Buy one get one free.
But how would I go about giving my missus the 20k i have in the bank? In the courts it would look like a planned brankruptcy if i give her 20k, then the following week take out 30k on 10 credit cards and 6 months down the line i declare i'm out the game. I dont think it would take the detective prowess of columbo to figure out what i am doing, and surely then there would be ramifications.
Banks always talk about finacial vehicles - perhaps i buy my missus a nice new vehicle, in her name as a xmas pressie, then get the cards out, do my training, go pop, sell her car and then get the house....