Is it my imagination, or have MSE users changed?

Thrugelmir

Welcome to the board.

Whilst your comments are true. Amongst the whinging and gnashing of teeth there are many genuine posters in the forums who are seeking help and advice. Providing opinion is offered in a polite reasoned way whether someone wishes to go away and reflect on same is a matter for them.

I always believe that to be fraudelent, deceitful etc in relation to a legal/financial matter could come back at any time to haunt you at any time in the future. Some suggestions are so nieve as to be unbelievable. As if it hasn't been tried in the past and yes, there is a penalty system if you are detected.

Maybe from the financial mess we are in, the next generation, will be different. More conservative (small c) attitudes and expectations to finance.

Banks aren't faultless. Though now they are returning to more traditional values of lending. Consumers are complaining. As if they have an automatic right to borrow money. Without any thought as to whose money they are actually borrowing.

Snooze

The_White_Horse wrote: »

It goes like this:

OP
Hi, I am new here. I earn 15k a year and have a mortgage of 200k and a range rover on numeorous credit cards and secured loans. I earn about 1000k per month yet I spend around 3000k every month on trash and debt repayments. I am concerned that I won't be able to repay my holiday to the costa del moron now that my credit is drying up. I don't know how this happens. The 3000k a month is all on necessary items like playstations, ipods and the like. I mean, stuff you really need. Anyway, due to my overspending, I have been hit with bank charges, and they get worse every month because i don't pay off everything. At this rate I won't be able to keep up with Wayne or Colleen for much longer.

MSE

awwwwwwww (((((((((Hugs))))))))))) poor you. Filthy banks. Its their fault you live like wayne and coleen. claim it all back and take no responsibility!!!!!!!!!!!


OP
Thanks guys, thanks for the support.

MSE
((((((((((((((((((hugs)))))))))))))))))))) you're welcome

A.N Other Poster

Actually, why don't you cut back your spending, take responsibility and pay it all off. Afterall, it is your fault for overspending for years!!

MSE

Troll, don't feed the troll etc etc etc etc etc etc

:rotfl::T:rotfl::T:rotfl::T:rotfl::D

Love it! Best post I've seen in a long time. :T

R

donaldtramp

Maggies quote has been misquoted so many times

Here it is;

"I think we've been through a period where too many people have been given to understand that if they have a problem, it's the government's job to cope with it. 'I have a problem, I'll get a grant.' 'I'm homeless, the government must house me.' They're casting their problem on society. And, you know, there is no such thing as society. There are individual men and women, and there are families. And no government can do anything except through people, and people must look to themselves first. It's our duty to look after ourselves and then, also to look after our neighbour. People have got the entitlements too much in mind, without the obligations. There's no such thing as entitlement, unless someone has first met an obligation."

She meant that we should be able to look after ourselves rather than relying on the state. Permanent benefit claiming dodgers forget that it other men women and families that are paying for them and their "entitlements"

There is actual an 'unenforceability thread', which has this sole purpose - reneging on credit card debts!!

I agree, this is absolutely disgusting. It is not moneysaving, it's robbing the people round about you who actually pay their dues and pay their own way in life.

Dave101t

how can i get my credit card debt wiped out?
can i still claim this and that if the father moves in with me?
can i avoid council tax?
eon are evil because they put up my direct debits because i use their services and dont want to pay, help!

sound familiar?
these people are usually the 1 post wonders who are either idiots, liars or spammers. some are genuine and its easy to see which ones are. and its sooo difficult not to be a troll because they are just asking for it arent they?!

Us normals are usually quiet because we dont have a situation of our own doing what we need to whine on about.

jeez im a snob! no im not, its just they are....estate people...!

The_White_Horse

donaldtramp wrote: »

I agree, this is absolutely disgusting. It is not moneysaving, it's robbing the people round about you who actually pay their dues and pay their own way in life.

its ok if you say (((((((((((((((((((((hugs))))))))))))))))) though before advising someone to steal from banks

ThrowingStonesAtYou

donaldtramp wrote: »

Maggies quote has been misquoted so many times .

Yes this really winds me up. It must be the most quoted out of context bit of speech in the history of this country. Only lefties could take a very true speech about personal responsibility and turn it into a situation where anybody who mentions it is smeared as being greedy.

The_White_Horse

ThrowingStonesAtYou wrote: »

Yes this really winds me up. It must be the most quoted out of context bit of speech in the history of this country. Only lefties could take a very true speech about personal responsibility and turn it into a situation where anybody who mentions it is smeared as being greedy.

that is what lefties do.

I hate lefties!!!!!!

ThrowingStonesAtYou

The_White_Horse wrote: »

OP
Hi, I am new here. I earn 15k a year and have a mortgage of 200k and a range rover on numeorous credit cards and secured loans. I earn about 1000k per month yet I spend around 3000k every month on trash and debt repayments. I am concerned that I won't be able to repay my holiday to the costa del moron now that my credit is drying up. I don't know how this happens. The 3000k a month is all on necessary items like playstations, ipods and the like. I mean, stuff you really need. Anyway, due to my overspending, I have been hit with bank charges, and they get worse every month because i don't pay off everything. At this rate I won't be able to keep up with Wayne or Colleen for much longer.

MSE

awwwwwwww (((((((((Hugs))))))))))) poor you. Filthy banks. Its their fault you live like wayne and coleen. claim it all back and take no responsibility!!!!!!!!!!!


OP
Thanks guys, thanks for the support.

MSE
((((((((((((((((((hugs)))))))))))))))))))) you're welcome

A.N Other Poster

Actually, why don't you cut back your spending, take responsibility and pay it all off. Afterall, it is your fault for overspending for years!!

MSE

Troll, don't feed the troll etc etc etc etc etc etc

I actually posted on a similar thread on the DFW board a few weeks ago in the role of A.N Other Poster, with one of the board guides being the role of MSE. After the initial slagging off I got, I told the guide she was very immoral in what she was doing and should be ashamed especially if she had children given the example she was setting.

The thread mysteriously dissapeared after that

The_White_Horse

ThrowingStonesAtYou wrote: »

I actually posted on a similar thread on the DFW board a few weeks ago in the role of A.N Other Poster, with one of the board guides being the role of MSE. After the initial slagging off I got, I told the guide she was very immoral in what she was doing and should be ashamed especially if she had children given the example she was setting.

The thread mysteriously dissapeared after that

that is the lefty way. if you disagree, you are "disappeared"!

the sickening thing is that all these people trying to get out of their responsibilities probably all have loads of luxuries - like tv, sky, pc, broadband, phone, car, holidays, lots of clothes, haircuts, eat out etc etc.

people think these are "rights" these days, and they are NOT!!!

pippitypip_2

The_White_Horse wrote: »

Are you some kind of fool?? Don't you understand that NO ONE has ever gotten into debt by overspending and livinmg beyond their means? It is always because someone is ill, died or lost their job!!

And don't even mention the possibility of someone taking responsibility and obtaining insurance for these situations. That is a no no.

What you have to do is say ((((((((((((hugs))))))))))))) and support them.

It goes like this:

OP
Hi, I am new here. I earn 15k a year and have a mortgage of 200k and a range rover on numeorous credit cards and secured loans. I earn about 1000k per month yet I spend around 3000k every month on trash and debt repayments. I am concerned that I won't be able to repay my holiday to the costa del moron now that my credit is drying up. I don't know how this happens. The 3000k a month is all on necessary items like playstations, ipods and the like. I mean, stuff you really need. Anyway, due to my overspending, I have been hit with bank charges, and they get worse every month because i don't pay off everything. At this rate I won't be able to keep up with Wayne or Colleen for much longer.

MSE

awwwwwwww (((((((((Hugs))))))))))) poor you. Filthy banks. Its their fault you live like wayne and coleen. claim it all back and take no responsibility!!!!!!!!!!!


OP
Thanks guys, thanks for the support.

MSE
((((((((((((((((((hugs)))))))))))))))))))) you're welcome

A.N Other Poster

Actually, why don't you cut back your spending, take responsibility and pay it all off. Afterall, it is your fault for overspending for years!!

MSE

Troll, don't feed the troll etc etc etc etc etc etc

Whilst I do agree with some of your points, you're being a bit too generic.

In case you don't know - the DFW board is mostly about people at their wits' end in debt (whatever the reason) - we don't judge and there are fab posters there to help people put budgets together (statement of affairs) where to cut down and advice on charities (Payplan, CCCS) that help with debt management plans - i.e. ALL about paying back what you owe whilst empowering some very scared people who are being bullied by debt collectors. It's not always about clawing things back but sometimes about getting help when you're scared and knowing your rights in difficult situations. as well as helping some people to face up to their responsibilites no matter how scary it may seem.

I find that board and many posters all across MSE unbelievably generous with their time and advice - this site generally is pretty inspirational imho so I have to disagree with the tone of the thread but it's just my opinion.

pippitypip