Is it my imagination, or have MSE users changed?

pippitypip_2

bendix wrote: »

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.

Yey - :T:T - one more convert. We really aren't all bad

ILW

bendix wrote: »

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.

So whos fault was it?

I wasn't even in the area at the time and have witnesses to prove it, and anyway, it just fell off and I picked it up from a bloke in the pub.

Thrugelmir

pippitypip wrote: »

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.

I've dealt with and negotiated the collection of commercial debt over the years. The initial reaction of being asking to settle a due debt is often met with indignation, anger and impolite language. Avoiding paying a debt if possible is a cop out that many try. So debt collectors unfortunately do have a place in our society. There were places I've visited that I would not have gone to without external assistance.

As while you may regard the tactics they use as "bullying" the people they are attempting to collect from. On the opposite the customers can be "nasty" individuals. My last comment is made in classless sense, as often the "wealthy" are far worse than the unfortunate average Joe.

donaldtramp

Silvercar,
Saved me the bother of taking that argument to bits, I totally agree with your comments below.
I am sensible and wise enough to choose and deal with the consequences of my financial affairs.
I have to live with my decisions and not blame it on any "nasty" banks, credit card lenders or whatever/whoever else is being blamed.
If the comments below are anything to go on a simple solution would be to blacklist anyone with a low IQ.
I believe a lot of people in our "society" are carried by the hardworking and taxpaying.
Whether its writing off debt or claiming the sick, another favourite type of post from the benefits board.
What am I "entitled" to? The posts shout.
I'm sorry but hows about trying to do a days work? I don't want to hear that "there are no jobs available". Absolute rubbish. The benefits class think certain jobs are beneath them in this country. I'm sorry they aren't below you at all.
If they put as much effort into finding work (or doing something for society instead of sitting on their backside watching other reprobates on Jeremy Kyle) as they do into claiming their "entitlements" Britain would be a different place altogether.

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.

Davesnave

lostinrates wrote: »

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

I'm happy to second that.

I've had more grief on Greenfingered than over here.

No experience of Old Style. I'm only 60.:rotfl:

Snooze

donaldtramp wrote: »

Silvercar,
Saved me the bother of taking that argument to bits, I totally agree with your comments below.
I am sensible and wise enough to choose and deal with the consequences of my financial affairs.
I have to live with my decisions and not blame it on any "nasty" banks, credit card lenders or whatever/whoever else is being blamed.
If the comments below are anything to go on a simple solution would be to blacklist anyone with a low IQ.
I believe a lot of people in our "society" are carried by the hardworking and taxpaying.
Whether its writing off debt or claiming the sick, another favourite type of post from the benefits board.
What am I "entitled" to? The posts shout.
I'm sorry but hows about trying to do a days work? I don't want to hear that "there are no jobs available". Absolute rubbish. The benefits class think certain jobs are beneath them in this country. I'm sorry they aren't below you at all.
If they put as much effort into finding work (or doing something for society instead of sitting on their backside watching other reprobates on Jeremy Kyle) as they do into claiming their "entitlements" Britain would be a different place altogether.

:T Spot on. Couldn't have said it better myself. :mad:

R

Quasar

When I joined there were about 50k users. Now there are 600k, ie. 12 times as many. Among this huge lot there are bound to be many litigious, arrogant and rude gits, and they will most certainly cause aggro on every thread they go in because that's what these people love to do. Or else they are just plain insensitive.

Since we are naturally disposed to pick on the negative bits, we often tend to forget that for one nasty piece of work there are hundreds of kind, warmhearted, helpful souls in here. :A

never-in-doubt

sulkisu wrote: »

Posters are actively encouraged to avoid their debts. There is actual an 'unenforceability thread', which has this sole purpose - reneging on credit card debts!!

That will be my thread you refer to? This one: Unenforceability & Template Letters II

Few points for you:

1. MSE does change yes, change is good & fresh blood is a good thing (brings new opinions and experiences to the table)

2. My unenforceability threads have generated almost 60,000 hits in less than 4 months (must be popular eh?)

3. There are 1650 posts between the 2 unenforceability threads

4. Unenforceability is a right - it is not 'renegading' anything

5. Its 'sole purpose' is to assist people with the actual laws surrounding it

6. If you do not understand it, please ask and we'll help - bitter comments do you no justice!

I, for one, never assist people in getting out of paying their debts, but the law is the law and this same law is clear in that unless a lender provides a lawful agreement then the debt can become unenforceable. I am sorry if you do not like that but its pretty tough, remember - it is the law.

Time for my favourite saying - "morals do not win in court - the law does"

So, I apologise if my thread 'upsets' you or whatever but if you don't like it then please report it and do not accuse it of being something it clearly is not.

never-in-doubt

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.

No, see - yet again another example of someone shouting from the ceiling without knowing the facts! :mad:

Unenforceability is none of the sort - it is a provision written into the Consumer Credit Act 1974 to protect consumers whereby the lender cannot locate and/or provide an original true copy of the agreement (to the debtor).

That is as black and white as you going and shooting a dog in the street, knowing you'll get arrested for it. Same principle - different context.

Get a grip and at least learn the facts before being too clever cos that does, guaranteed, come back and bite you on the arsey!

donaldtramp

Unenforceability is none of the sort - it is a provision written into the Consumer Credit Act 1974 to protect consumers whereby the lender cannot locate and/or provide an original true copy of the agreement (to the debtor).

The facts eh?
http://www.which.co.uk/news/2009/10/debt-write-off-hopes-damaged-by-high-court--186441

I'm pretty sure the High court knows the facts eh?
As for your shooting a dog anecdote, I have no idea what you are on about....And you are advising people????:rotfl:
Advising people that it is ok to take on debt on their good word and simply walk away from it? Where would we be if everyone had the same selfish attitude?

It's wrong and an attempt to get off with money that HAS to be paid.
I can't believe MSE is allowing the website to go anywhere near this subject.