Is it my imagination, or have MSE users changed?

abaxas

pippitypip wrote: »

And in advising someone to take responsibility to pay back their debts and the best ways to do that, you don't HAVE to judge them as well.

If someone had spent other people's money, ie taken on debt. A person has every right to judge as it is them who is disadvataged by this.

Why should they pay for someone else's jolly without at least some comeback.

Geeves1980

I had small debts About 4K I think) when I was 20/21. At the time I didn't really think anything of it, I was working and earning an ok wage (15k) and could afford to pay back on a monthly basis what I had spent.

I was embaressed when my parents found out and it was after that I looked around and couldn't actually see anything that I had spent all of that money on and now, 8/9 years later, I'm annoyed with myself for wasting that money.

Although I always had good, solid jobs, it wasn't until I was about 24 that I settled on a career and a couple of months ago I got the job I've spent 5 years training and working for and am in the best position, financially I've ever been in.

It annoys me now that I didn't do this back then, but that time did give me some valuable experience, insights and lessons so it's all good!

jamespir

ThrowingStonesAtYou wrote: »

Agreed. The same people who are looking to renege on their debts are usually always the ones scamming benefits/mouthing off about bankers/abusings MPs for the expense claims.

what complete rubbish

silvercar

ALIBOBSY wrote: »

However the banks and the politicians were right there every step of the way pushing more and more debt onto people. It was too easily available and there was too much of it. No-one has to yes to credit cards or has to build up balances on them. So I would say both sides bear some of the responsibility.Better to take responsibility for your own actions
Clearing the overdraft was the best thing we ever did and I NEVER want one again. Living in the black is such a relief, and if nothing else I hope the recession teaches this to many. Including those who end up bankcrupt.

Despite the banks scaremongering the fact is those who have been "money savvy" have NOT paid for the "!!!!less" (others words not mine). In fact the oposite is true those paying higher interest and charges have paid more (a great deal more) and this bank "profit" enabled them to give free banking/low rates etc etc to the others.

Also heres another one to ponder. Say someone takes out a credit card so its revolving credit. They get into trouble say 10 years later. In the meantime they have paid at least the minimum each month (most of which is interest) and at the point they have trouble have actually repaid the original "capital" many , many, times over. Wrong, they have paid the interest as in their original agreement. Why would you think paying the interest means they have paid the capital.They have been a great source of income for the banks for all that period. Even if they then use the unenforcability rules to get the debt suspended (it does not get wiped just cannot be enforced in court-unless they proceed with court action which they probably can't afford anyway).
Their credit rating is screwed for at least 6 years, Well they are a higher risk and they shouldn't be encouraged to take more debt, again.the bank sell the debt on (and write it off against tax-so no loss to themReduces the tax bill,m but still a loss.), so they are hassled and lied to by debt collectors over and over.One -sded view. How many debtors return mail marked gone away or deny they are in when answering the phone?

So explain how this 1) is ripping off the bank They borrowed money, only pay the interest and expect the loan to be written off.or 2) is them getting off scot free.

Like many things in life debt is not black and white. But I agree the main thrust of this site should be and is about moneysaving and budgeting-thats why I love old style best of all.

ali x


BTW I believe we should all be able to discuss these matters and be able to have different opinions. Trouble is it always seems to be a slanging match (I would say BOTH sides are just as bad at this).

YOu can't blame the banks for giving credit away and then criticise them for giving someone a low credit rating so they can't get easy credit again.

ThrowingStonesAtYou

jamespir wrote: »

what complete rubbish

you following me around again:rotfl:

Geeves1980

When I reflected back on the external factors I felt contributed to building up my small debt. I never once included "because the bank gave it to me and made it too easy and available". Just because they would give it to me, didn't mean I had to accept it and spend it.

I certainly didn't feel the governmount 'pushing' debt me either. My inner Geeves and her want for shiny stuff did all that!

pie81

I find if I stay out of the bank charges forum and any unenforceability threads, the rest of the people on here are genuinely trying to take responsibility for their financial position. At least the ones on MSE are doing something about it rather than burying their head in the sand.

lostinrates

ALIBOBSY wrote: »

The tone of the greenfingered boards and OS are so different from those "over here" so if the OP wants to gladen his heart pop over to those-come and find the best mince pie recipe EVER.

ali x

I find that this is not the most argumentative board. I do think our tone is at times fairly unpleasant, but you know, its also very, very nice and supportive here, with online friendships strecthing out side the boundary of MSE...and into real life a little.

In fact, this board has its fair share of very nice recipes too, and I'm sad that all the genuine, knowledgable, funny and kind people are damned along side the nutters and dimwitted.:o

pippitypip_2

abaxas wrote: »

If someone had spent other people's money, ie taken on debt. A person has every right to judge as it is them who is disadvataged by this.

Why should they pay for someone else's jolly without at least some comeback.

Sorry I really don't understand what you're saying..

Mr A has taken on a debt and, now experiencing difficulties and being bullied by debt collectors comes here, gets advice on how to set up a repayment plan and PAY IT BACK.

You judge Mr A because you have somehow been disadvantaged by this - how? And how are you (by judging Mr A), paying for his so-called "jolly" ?

How he's come by the debt could be medical bills not neccessarily living it up and buying frivolous meaningless bits and pieces but if he chooses not to share that he gets negative comments and blamed / judged for getting into debt.

Not everyone is asking the bleeding hearts to tell them it's not their fault - that is definitely NOT the same thing as asking for advice on how best to repay when you're experiencing financial difficulties.

Just trying to understand where you're coming from on this, I don't want to turn this into another unenforceability type thread row and of course, totally agree there are lots who don't fit the scenario I'm talking about but I just ignore those!!

pippitypip

bendix

I love the tenor of this thread. I feel like I've come home.

MSE isn't the barren wasteland of 'it aint my fault' i thought it was after all.