Dispensing with the "MORALITY" issue

[PlanB]

Re: Dispensing with the "MORALITY" issue

Am I right in thinking that the credit card company gets a commission of 3% (give-or-take) from the merchant every time I used my plastic? Each trip to Waitrose or gas bill paid netted the creditor some more dosh on top of the interest charged to me for the last decade. And if that is the case, and if ever I was perceived to be an Immoral Woman, wouldn't that make Barclaycard my pimp for living off my immoral earnings? Just thought I'd try to lighten things up a little.

I found this thread a wee bit unsettling especially when I've only just has the courage to 'out' myself as a debtor. None of the neighbours where I live in Middle England have a clue of the mess I'm in. I caused it and I will deal with it. This website has brought a whole new circle of friends (albeit virtual) into my disintegrating world.

I feel as guilty as hell for messing up. But since Marks & Spencer sent me a forged document with my CCA request I have decided that the gloves are off. This is business not religion.

And I don't know how I'd have got through the last six months without Niddy's attitude ringing in my ears. I can now make sense of the situation. Who knows ,I may even start a thread or a diary or something - but I'm useless with technocgy as well as money apparently . . .

[Never-In-Doubt]

Re: Dispensing with the "MORALITY" issue

So are we decided that there's no place for adult discussion and this thread be closed?

If not, someone please enlighten us as to what it is that's the problem?

Nobody on this site is being called any of the above; it simply will not happen or yes, posts will be moderated with threads closed, cleaned and put back again! Point here is, pb has suggested the stigma attaches itself with people that cite unenforceability, we're disputing that theory is nonsense.

So do we keep this one isolated thread in place to contain these comments or let it spill onto the open forums? I know which I'd prefer. If I see one post by any user that directly calls another user one of these names, they will be instantly banned from AAD. That's our promise to the users here so please, don't get worked up.

I suspect even Peter knows we're watching this thread like a hawk.

[pompeyfaith]

Re: Dispensing with the "MORALITY" issue

Well the way I see it we are all here exercising our right to use the various statute laws, case laws, regulations and guidelines which were enacted to protect the citizens of this country.

The government did not enact them so we could dodge our debts they enacted them to give us an equal footing in the courts.

Regards

[Angry Cat]

Re: Dispensing with the "MORALITY" issue

To be labelled as a:
debt dodger;
debt avoider;
stupid or;
talked down?

Most certainly does not sit comfortably with me, ether!

[The Debt Star]

Re: Dispensing with the "MORALITY" issue

Yes, and that's how you feel. But others feel differently (clearly they do) and they cannot edit or remove posts that, in your words, are "insulting, inflaming attacks" that have no place.

[cymruambyth]

Re: Dispensing with the "MORALITY" issue

I agree it can be helpful to let people realise what is being said by whom and why. Most then realise what or who should or should not be valued

[Paul.]

Re: Dispensing with the "MORALITY" issue

Well ive never been one for heavy handed moderation to be honest. I prefer to leave the offending coments there as quite often when people read through a thread, they do realise pretty darn quick who the wallies are

[The Debt Star]

Re: Dispensing with the "MORALITY" issue

No, I'm being serious.

[garlok]

Re: Dispensing with the "MORALITY" issue

Oh no DS not more cigars again?

[The Debt Star]

Re: Dispensing with the "MORALITY" issue

quite agree, banter is good, insulting inflaming attacks are not.

Absolutely correct.

That is what moderators are for. Best to quickly remove or perhaps edit "insulting, inflaming attacks" asap rather than wait for 50 posts to build on top of them.

[Paul.]

Re: Dispensing with the "MORALITY" issue

Thank you Paul.

I really did not want this to descend like this. I think you know where I and most others stand and that is firmly with you.

I wanted to make sure that everyone had the information directly to hand so that they were aware of what they were dealing with and had the opportunity to make up their own minds.

But I for one am not prepared to be branded a "debt dodger", a "debt avoider", "stupid" or talked down to any longer. I have provided the information, i have provided the discussion.

It is for my/our colleagues on this forum to make up their own minds as I said. I do not subscribe now to any other forum other than this one as my time is limited in more ways than one and would choose to spend what I have on helping others to get through the problems we have been through and are going through without hassle demonstrated by one only on this thread.

regards
Garlok

Im 100% behind you there

People dont go out of their way to get lumbered with debt, it happens for a number of reasons.

Then rather than help people, the banks go out of their way to hinder you, take Keith Harrison for example, he did everything right and told his bank (MBNA) of his financial circumstances and yet what happened? MBNA fookin put his interest rate up 15% and bowled him over so he was left in such a position that he simply couldnt afford to pay his debt.

Now some will say "well he should have had a charge on his home" that being the politically correct anti debt avoidance brigade.

However my view is that the way the bank acted was scandelous and they should have been punished for what they did.

I would never accept a client who went out of their way to borrow money with the intention of never paying it back, however, i do not think there is any one registered with this forum that fits that mould. Whatever the reason, people who find their way here do so to obtain help and support to stand up for their rights.

Rather than make them feel like something that you tread in walking down the street by labeling them debt avoiders, i think that we should offer them support, advice and help on using the law to protect their rights

anyone who disagrees ought to post over on credit today as here is clearly not the right forum for them

[garlok]

Re: Dispensing with the "MORALITY" issue

Thank you Paul.

I really did not want this to descend like this. I think you know where I and most others stand and that is firmly with you.

I wanted to make sure that everyone had the information directly to hand so that they were aware of what they were dealing with and had the opportunity to make up their own minds.

But I for one am not prepared to be branded a "debt dodger", a "debt avoider", "stupid" or talked down to any longer. I have provided the information, i have provided the discussion.

It is for my/our colleagues on this forum to make up their own minds as I said. I do not subscribe now to any other forum other than this one as my time is limited in more ways than one and would choose to spend what I have on helping others to get through the problems we have been through and are going through without hassle demonstrated by one only on this thread.

regards
Garlok

[Paul.]

Re: Dispensing with the "MORALITY" issue

Without wishing to rock the apple cart, there is a place for some banter and light heartedness in threads and some recent(ish) posts seem to aver that there is no place for them. That has to be wrong. If we cannot laugh at the banks, DCAs, the legal system, courts, politicians, the establishment etc then they win. Just my opinion fwiw (not much, sure) but something I feel fairly strongly about. Take the Cuba theme for example. Mr N says knock it off for ego's sake; but justice is the point here and the integrity of the citizenry of this country which other places - like Cuba - have done better than us. Rant over.

quite agree, banter is good, insulting inflaming attacks are not.

[The Debt Star]

Re: Dispensing with the "MORALITY" issue

Without wishing to rock the apple cart, there is a place for some banter and light heartedness in threads and some recent(ish) posts seem to aver that there is no place for them. That has to be wrong. If we cannot laugh at the banks, DCAs, the legal system, courts, politicians, the establishment etc then they win. Just my opinion fwiw (not much, sure) but something I feel fairly strongly about. Take the Cuba theme for example. Mr N says knock it off for ego's sake; but justice is the point here and the integrity of the citizenry of this country which other places - like Cuba - have done better than us. Rant over.

[Paul.]

Re: Dispensing with the "MORALITY" issue

hmm yes them comments on Credit today, wonderful arent they,although for anyone wanting to read a "well written" and accurate reflection on me and what i do, they can read here

http://www.bbc.co.uk/news/business-13349239

http://www.bbc.co.uk/news/business-12622318

http://www.bbc.co.uk/news/business-13199797

i know which one i would rather believe,