Dispensing with the "MORALITY" issue

[garlok]

Re: Dispensing with the "MORALITY" issue

Quote Peter Bardsley "Credit Today" 20th May 2010

Hi

I am afraid I agree. I used to be a contributor to CAG in the earlier years and at that point it was pretty much a discussion forum ,it was possible to glean bits of information and a lot of users found it very helpful. At that point I do not believe it offered advice as such it was as I say a discussion group.

Now however the site has been taken over by so called "Legal experts", Some of which as you say even claim to be solicitors.

I am unsure of the motivation of these people, one are two are I believe involved in the business, perhaps it is in there interest to perpetuate the myth. More likely these are people who are bathing in the praise from the people they are" helping "and the status that they lack in their real life

Here is very little discussion now one of these luminaries will give information on why a particular agreement is unenforceable and every one else just agrees and thinks they don’t have to honour there commitments to the creditor.

I have been excluded from that site now simply because I challenged some of the assertions made there.

In my day job I have seen many people who have come into our office and asked us to intervene with lenders, they have followed advice given on the CAG site and ended up with a CCJ.

The problem is that these forums can be very attractive to people who are in financial difficulties ,offering a quick fix. The idea is introduced that the agreement they have is unenforceable so they do not have to pay at all.

When this advice comes from someone purporting to be a solicitor ,many take it to be true ,and basically stop paying their debts.
By the time they find out it is all nonsense they have lost the window of opportunity to negotiate with the creditor or make alternative payment agreements.


Regards
Garlok

[garlok]

Re: Dispensing with the "MORALITY" issue

Quote Peter Bardsley Credit Today 29th May 2010

Hi
One of the main offenders has the screen name PT257.
Currently he is on the Egg thread of the forum on the legal issues section.

There he is advising people not to pay there egg credit card agreements pending a "Test Case" he is involved in on June the 4th.
I belive he is employed by one of the debt cancelling firms.

This particular thread has created no end of problems for us with people following the advice and then coming to us when the creditors enforce.

Needles to say I can find no record of any such hearing.

The thread is called " Egg agreements and what I think is wrong with them"

I have complained to the site and tried to post contrary arguments on thread but they are moderated and just do not appear.

P


regards
Garlok

[PlanB]

Re: Dispensing with the "MORALITY" issue

I joined Niddy Skool in February and it's been a lifesaver when pursued by 23 creditors for £150k of unsecured debt. I had a great business module which fell flat on its face when the banks caused the Credit Crunch. No credit = no business. So I relied on the cards to support stuff (including daughter). I threw in the towel in 2009 and went into a DMP. That worked until ironically the DMP company went bust in January (Solace Financial). Trying to deal with all 23 DCAs became a full time job so I sourced this website on Google. I did look at others such as CAG but it was obvious to me that some of the 'advisers' were just showing off and exercising their egos. So after following Niddy's 12 (maybe more) steps I have £75k accepted as unenforcable by the creditors (wow) and another £61k iffy because of recons (blank page with just my name - you know who you are Barclays) and illegible application forms with no terms (MBNA x 3). So the question is should I find a way to pay the UE ones (sell my home and my children perhaps) or carry on being an Immoral Woman?

[garlok]

Re: Dispensing with the "MORALITY" issue

Well Done planB. many of us have similar stories to your own.

regards
Garlok

[Never-In-Doubt]

Re: Dispensing with the "MORALITY" issue

I'm really not going to get into this again. Either behave, stay on track with the discussion or we'll close this thread - it's not rocket science!!

This site does not and will never tolerate abuse against people in debt and some of the shyte above is sailing close to the wind.

Peter what are you trying to say, exactly? Having read your bitter rant on credit today I'm in two minds whether to ban you just for those comments; however as you never wrote it on here I'll let it go. But be warned it HAS shown your "true" colours.....

I'm seriously not impressed with some of the idiotic comments on this thread.

[differentjudge]

Re: Dispensing with the "MORALITY" issue

its not about morals
not about right from wrong

its who can put up the best argument to the judge

[Never-In-Doubt]

Re: Dispensing with the "MORALITY" issue

Exactly. As I always say; morals mean little in a court of law

However it appears that certain judges bring morals into things; when they have no right in doing so!

[Angry Cat]

Re: Dispensing with the "MORALITY" issue

Peter what are you trying to say, exactly? Having read your bitter rant on credit today I'm in two minds whether to ban you just for those comments; however as you never wrote it on here I'll let it go. But be warned it HAS shown your "true" colours.....

I am surprised that you had not previously seen it?

[cymruambyth]

Re: Dispensing with the "MORALITY" issue

Banter can be helpful and discussion can be healthy, however many members of these forums are desperate when they find them and need help. They can either be put off by the nature of some posts or unfortunately get given incorrect advice.

There are many names that I recognise that I have 'lost' due to "problems", so please can we all be careful.

[Angry Cat]

Re: Dispensing with the "MORALITY" issue

Banter can be helpful and discussion can be healthy, however many members of these forums are desperate when they find them and need help. They can either be put off by the nature of some posts or unfortunately get given incorrect advice.

There are many names that I recognise that I have 'lost' due to "problems", so please can we all be careful.

Point taken, cymrambyth!

I had not previously posted on this thread and now apologise for having done so.

[cymruambyth]

Re: Dispensing with the "MORALITY" issue

It wasn't directed at you .....

It was a general comment following on from Niddy's post 95

[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,

[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

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.

[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