Should we be referring users to sites funded by banks?

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

In fact, getting advice from NDL that stuffs the people who may pay their wages has a delicious irony all it's own.

A bit like when CCCS advises someone to go bankrupt.

Yea ok I see what you mean, I love the irony

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

lol

CAG is whole other thread.

They banned me for daring to object when they allowed Lowells their own account to post on the forums where they asked people to "contact them privately by email".

You never got banned? Surely not?

That was contentious and a half, I cannot believe they did that - however it was their downfall in a lot of ways - not least when they changed the site into this ugly thing we see today - trying to even view a user is impossible, let alone search things!

As you say, CAG is an altogether different prospective.... it's unfortunate as they used to be great, and I myself used to refer to them when I posted on on the green site

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

Who said anything about satisfying a legal argument?

It's about backing up opinions on a forum by asking the advice of a professional debt advisor.

The legal argument being "is the letter suitable for F&F purposes and legally sound".....

NDL aren't "professional" anything mate, employees are guided and coached into taking NVQ's for debt guidance but it is not a requisite for employment.

I could work there, you could - damn - half the posters here could get a job there, it's a nominal salary for a nominal job. I know a couple of staff that work there and we have one as a user here as well, who I note has not been online today!

[Riz]

Re: F & F Settlement Offer Accepted - what next?

It's exactly the same, as sending someone to National Debtline.

Not in the slightest way the same.

In fact, getting advice from NDL that stuffs the people who may pay their wages has a delicious irony all it's own.

A bit like when CCCS advises someone to go bankrupt.

[Riz]

Re: F & F Settlement Offer Accepted - what next?

Perhaps i should also point out that the banner headlines on the first page of CAG carry advertisments for some pretty nasty debt collection agencies.

On a consumer self help site?????????????

regards
Garlok

Don't forget the payday loans on the erm, payday loan debt threads! Basically poster starts new thread (post 1) and says "I owe £2k to a PD Loan" - post 2 pops us with google ads advertising a wonga payday loan

makes you chuckle..... goosey goosey gander is all I can say at that!

lol

CAG is whole other thread.

They banned me for daring to object when they allowed Lowells their own account to post on the forums where they asked people to "contact them privately by email".

[Riz]

Re: F & F Settlement Offer Accepted - what next?

I am not disputing that we're here to help, jesus christ, but see beyond that - why would national debtline be preferred to say CCCS or PayPlan whom both also have vast experience in dealing with creditors, some may argue moreso than the ND anyway?

CCCS or payplan?



They certainly don't know their legal **** from their elbow.

However, with NDL I've had a lot of very very well informed advice over the years, so yes, I would say they are certainly preferable in cases like this.

But yea, I am extremely principled and won't personally actively refer someone to a fee charging firm or a firm in bed with the enemy. Defeats why we exist.

No. Steering people away from somewhere that could help them because you personally don't like where their funding comes from defeats why places like this exist.

That is if you actually want to help people.

I think most debt help sites use similar templates, so I don't see how an advisor on £16k over the phone can satisfy any legal argument by asking them what they think of a F&F offer letter. Please, don't take offence - it's my opinion....

Who said anything about satisfying a legal argument?

It's about backing up opinions on a forum by asking the advice of a professional debt advisor.

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

Perhaps i should also point out that the banner headlines on the first page of CAG carry advertisments for some pretty nasty debt collection agencies.

On a consumer self help site?????????????

Don't forget the payday loans on the erm, payday loan debt threads! Basically poster starts new thread (post 1) and says "I owe £2k to a PD Loan" - post 2 pops us with google ads advertising a wonga payday loan

makes you chuckle..... goosey goosey gander is all I can say at that!

[garlok]

Re: F & F Settlement Offer Accepted - what next?

Perhaps i should also point out that the banner headlines on the first page of CAG carry advertisments for some pretty nasty debt collection agencies.

On a consumer self help site?????????????

regards
Garlok

[garlok]

Re: F & F Settlement Offer Accepted - what next?

Come on guys! This is tough enough, I can vouch for the fact that Barclays and their whole coven are treacherous and despicable. They cannot be trusted to help an old lady across the road and anyone who is funded, sponsored or supported by them HAS to have a conflict of interest somewhere. They do not do ANYTHIMNG unless there is a return in it for them.

This NOT opinion I have the scars to prove it.

regards
Garlok

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

Honestly, I don't give a flying fuck at a rolling donut where the funding for somewhere comes from if the advice is good and helpful to people who need help.

Sorry just to put into perspective, how would you all feel if right now I told you I was opening AAD to the vultures and taking donations from banks and DCA's in exchange for them to provide data and users to respond to the posts in here?

I bet we'd soon be empty of posters, other than bank staff right? Would you trust a word that came out their mouths? Would you really follow their advice to the letter and ask their recommendation?

I doubt it very much somehow! So the whereabouts of data is actually very important to me, and to the users of AAD.

It's exactly the same, as sending someone to National Debtline.

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

Ouch! That was painful to admit.

Deserves a slap

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

Honestly, I don't give a flying fuck at a rolling donut where the funding for somewhere comes from if the advice is good and helpful to people who need help.

I post on forums such as this to help people.

I try not to let narrow mindedness like that get in the way of helping people.

It's a shame you don't.

God! I hate CAG, but if I think that is the place where someone will get the help they need, then dammit I'll even swallow my pride and send them there.

I'm anything but narrow minded Rizzle, steady!

I am stating facts, how can one trust the accuracy of data that was produced using funds from the people we're fighting in the first place?

I don't think it is narrow minded saying that X company is funded by a bank, however go and ask Y & Z companies for their opinion as they are funded by the government/private equity and totally impartial - and for you to suggest so makes me think you're not looking at things the same.

I am not disputing that we're here to help, jesus christ, but see beyond that - why would national debtline be preferred to say CCCS or PayPlan whom both also have vast experience in dealing with creditors, some may argue moreso than the ND anyway?

But yea, I am extremely principled and won't personally actively refer someone to a fee charging firm or a firm in bed with the enemy. Defeats why we exist.

I think most debt help sites use similar templates, so I don't see how an advisor on £16k over the phone can satisfy any legal argument by asking them what they think of a F&F offer letter. Please, don't take offence - it's my opinion....

[Riz]

Re: F & F Settlement Offer Accepted - what next?

God! I hate CAG, but if I think that is the place where someone will get the help they need, then dammit I'll even swallow my pride and send them there.

Ouch! That was painful to admit.

[Riz]

Re: F & F Settlement Offer Accepted - what next?

Honestly, I don't give a flying fuck at a rolling donut where the funding for somewhere comes from if the advice is good and helpful to people who need help.

I post on forums such as this to help people.

I try not to let narrow mindedness like that get in the way of helping people.

It's a shame you don't.

God! I hate CAG, but if I think that is the place where someone will get the help they need, then dammit I'll even swallow my pride and send them there.

[Never-In-Doubt]

Re: F & F Settlement Offer Accepted - what next?

For clarity

Barclaycard have been working with Money Advice Trust to help specify and develop an internet based, money advice solution to help consumers take steps to getting their finances back on track.

Source: ---> Sponsor - Barclaycard