MoneySavingExpert.com to join the MoneySupermarket.com group

[BBoo]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

Not at all FP! I was referring to the supercilious twats who either think everyone in debt is there due to their own carelessness, or those who offer advice there when actually they have not a clue, or very little clue what they're talking about.

I know people are entitled to post on any open forum, but that doesn't mean it's the right thing for them to do, or that they should not be shot for posting things which are ridiculous. We'll never stop them, but we don't have to agree with it! lol

[MrsD]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

absobloodylutely

[PriorityOne]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

Because the focus is on saving, there is the idea that if you are frugal and save you can get out of debt

Shame they don't think about people who've spent their entire lives being frugal and still haven't got anywhere or, those who have plunged into debt because.... say, the boiler broke or the roof had a fecking big hole in it or.... because they left a violent partner or, were married to a gambler or, had a seriously ill child or, an accident or, lost their job because a string of useless fecking governments are/were too busy scratchng the back of the monied classes to care about what happens to anyone else.

.... and when debt happens, the responses you get are normally patronising; just live more frugally or, it's your own fault or, you were stupid or, you need to re-train or, you need to search harder for work or, you need to accept any useless job that's going even though most don't cover your basic living costs.

Yes.... the moral stance is easy when you've not experienced any of these things. I'm not familiar with MSE but CAG certainly seems to have forgotten what Life can churn out in terms of experience.

There but for the grace of God go every single one of us.....

[BBoo]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

It is a known fact on here that I have a near hatred of charities like CCCS. To me a debt charity helps people to get out of debt. They work on behalf of that person to save them every penny they can. One of the first things they SHOULD do, but rarely do, is ensure all interest and charges are frozen.

To my mind, if they don't do this, there is little point in them existing. Pretty much all they're really achieving is stopping the nasty letters - that's easy to advise on, don't open them and just pay what you can afford.

These charities are a disgrace, and I know it's not unusual at all for debt charities which offer a more personal service to pick up the pieces of a DMP gone bad from these places.

I take on board wholeheartedly what you say about MSE, and it makes a deal of sense. However, people who do not understand should not, in my opinion, try to help. It is a dangerous game and one best steered clear of if you don't know what you're doing.

[Cos]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

Spot on. I love the helpful bits and have gained a lot of savings there, but you are dead right about how folk are attacked about debt. If someone comes onto a debt help site, don't they expect to get help about debt? If they want a lecture about their morals, well fine, but make sure you tell folk that this is what the website will provide!

I have lots of feelings about debt and could happily lecture people about it. But I absolutely would only do that if someone asked me to do it! No one has so far

Someone says "help me" then I don't judge and if I can, I help. If not my mouth, or keyboard, stays quiet.

Apart from students, clearly. They deserve all they get . . .

[Cos]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

It can be useful. Some great people there especially the ones that share any bargains they have found. I've had many a bargain and a lot of free stuff and even 1p items - all from those posting on the forums.

I guess the problem is those trying to help in the debt forum aren't as experienced or knowledgeable as those here. I've also noticed recently a lot of people getting on their high horse if people even hint at not paying debts.

Spot on. I love the helpful bits and have gained a lot of savings there, but you are dead right about how folk are attacked about debt. If someone comes onto a debt help site, don't they expect to get help about debt? If they want a lecture about their morals, well fine, but make sure you tell folk that this is what the website will provide!

I have lots of feelings about debt and could happily lecture people about it. But I absolutely would only do that if someone asked me to do it! No one has so far

Someone says "help me" then I don't judge and if I can, I help. If not my mouth, or keyboard, stays quiet.

[jon1965]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

BBoo
I am there, same name , and have never been banned. I have pm's a few people who need help, but as they say, you can lead a horse to water but you can not make it drink.

Don't underestimate what you or anyone here can offer, sometimes its just an ear, or some moral support that is needed.
I have had help on here about UE, PDL's, benefits, employment, BR.
Sometimes as i said its just a "yes thats a good idea " sometimes it's a "don't be so bloody stupid, get your prioritise right" and sometimes in somewhere in between.
All those opinions have been offered to me and all gratefully accepted

[MrsD]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

that's it, we run regular rescue missions but have to be a bit careful
if you're banned from MSE there is no point
you also need a bit of credibility, ie medals, or no one is going to take what you say seriously
it drives me personally mad to see wrong and sanctamonious shyte being peddled to peeps in dire straits, we can get some to listen but unfortunately not all
and remember some folk want to believe/take the easy route, UE is not the easy route
you need to be a bit brave and you need to do a bit, sure we help all we can, but some peeps just don't have the bottle.

[925pws]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

It can be useful. Some great people there especially the ones that share any bargains they have found. I've had many a bargain and a lot of free stuff and even 1p items - all from those posting on the forums.

I guess the problem is those trying to help in the debt forum aren't as experienced or knowledgeable as those here. I've also noticed recently a lot of people getting on their high horse if people even hint at not paying debts.

[BBoo]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

This site most definitely does help - it's very good. It's interesting to hear experiences from MSE - as I say, I'm not familiar with it.

I'm just glad that everyone on there who is in difficulties is getting pm'd with a suggestion they come here. It's up to them then whether or not they act on that suggestion.

[Cos]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

I found that MSE was just too sanctimonious. When some poor soul posted about their problem far too many people would jump on them.

I mean, how helpful is it when you ask for help to get a reply that says you shouldn't have done it in the first place??? Bollox.

If a website says its raison d'être is to help people it should damn well make sure that's what it does. Kudos to this site - it definitely has all the right vibes to do just that.

[BBoo]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

I appreciate there's well intentioned people there, also that there are not as many as there were as quite a few have headed this way, though many here still retain accounts there and post there.

My concern always lies with the person in difficulties, and if someone is £700 per month adrift, and they're not getting appropriate help, they need pointing in the right direction, whether that be here or somewhere else. As long as that is happening then that's great, job done. If it's not happening, then some poor souls out there need help.

I know I have very little to offer in many areas of this site, but I also know that I can help people like that, whether or not any of their debts are UE - please don't think I'm suggesting this site can't help, that's not what I'm intending to say. I'm not familiar with MSE, nor do I intend to become familiar with it, and it may well be that anything I may suggest on there would be moderated a la CAG . It just infuriates me to see, or hear of people suffering unnecessarily like that. I guess being incredibly passionate about things has its pluses and minuses!

[Numpty Monkey]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

There are some well intentioned people over there. I know that for a fact.

Thats true, not as many as there used to be

[Never-In-Doubt]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

BBoo we can only do so much but I'm not gonna suggest our users go there to help. They left there remember, ergo welcome AAD!

That just ain't gonna happen. The users that need us will be PM'd by one of us.

[jon1965]

Re: MoneySavingExpert.com to join the MoneySupermarket.com group

There are some well intentioned people over there. I know that for a fact. How else would I have got here.

And yes I do know we are talking about MSE