on bbc: Some store card debtors may be let off with upgraded cards

jon1965

seamanarts wrote: »

Every forum can give bad advice, what sort of censorship are you on about.

Ok , there are two main posters on the paydayloan forums. They have been stating time and time again that all you pay is loan +1 months interest and that was all. That they did not put defaults on your file, that they had no rights etc etc. A poster called Audlem then challenged them to provide case law or examples and was told to go and read the posts. He came back saying there was nothing but opinion in the posts etc. He was firm but polite and said to give misinformation was bad. He had also suggested to the OP that as his PDL debts were 600 nand he could afford 200 per month it may be an idea to arrange a 3 month repayment plan with them and just pay minimum onhis other debts like credit card.
This was rubbished and the statement that pdl'S HAD LESS RIGHT THAN YOU TELEPHONE PROVIDER TO BE PAID WAS MADE. Anyway eventually a mod came, deleted all of AUDLEMs posts , called him a plant.
Today another mod has actually come on and debunked all the claims being made by the two people who have been allowed to control the PDL boards.

mo786uk

Because they twice deleted information that was CORRECT because it dd not fit in with their own ideals.

You could even argue they are doing their members a disservice by witholding important information.

CAG hold themselves up as pro-consumer - that means what is best for the consumer. They do not hold themselves as anti debt colelction companies - which is what that section of the forum is. i.e they are more cncerned about making things difficult for debt collectors than they are for providing good advice to everyone.

There is lots of good advice on CAG but for some parts of it I would advise any reader to look elsewhere to balance things up - its very one sided.

jon1965

seamanarts wrote: »

Maybe it was deleted because there was bad advice which may have caused arguments, and if certain things are posted that are wrong then maybe it shouldnt be on a forum just in case some see it as gospel.

I think what you have to understand is that CAG members offer advise, if the advise causes certain situations that may be libellous for CAG or the poster, then of course it should be deleted. That is common sense.

Like all forums they have rules, every member agrees by those rules when they sign up, If rules are broken, Post will be deleted or corrected.
I dont see what the problem with that is?

Why argue against it, you know full well that it would be deleted also.

Why bash a forum for sticking by its rules and for trying to protect itself against libel matters.

It is nothing to do with common sense or protecting the forum, it is all to do with the chosen few having their little empires.
These are not rules that are broken, these are double standards. If I were to go on there and make a claim without being able to back it up then quite right for it to be changed, but for some they have been allowed to do it for way to long.

http://www.consumeractiongroup.co.uk/forum/showthread.php?352812-Payday-loan-mess

jon1965

seamanarts wrote: »

Is he a solicitor now?
or are we talking about this solicitor.

lawgazette.co.uk/in-practice/sdt-decisions/andrew-thomas-watson

this certainly dosnt look good on his firm.

If you mean is the person concerned called andrew thomas watson then so far as I know it is not. However that article means nothing to me as it is all in code so maybe you can translate

seamanarts

mo786uk wrote: »

Because they twice deleted information that was CORRECT because it dd not fit in with their own ideals.

You could even argue they are doing their members a disservice by witholding important information.

CAG hold themselves up as pro-consumer - that means what is best for the consumer. They do not hold themselves as anti debt colelction companies - which is what that section of the forum is. i.e they are more cncerned about making things difficult for debt collectors than they are for providing good advice to everyone.

There is lots of good advice on CAG but for some parts of it I would advise any reader to look elsewhere to balance things up - its very one sided.

They dont? I havnt seen anything different.

I have to say though I dont agree with people who think that they can borrow money then think they dont have to pay it because of a loop hole some idiot has found, that is very wrong.
There is no such thing as free money. people who believe that need a check up from the neck up.

Saying that I do think DCA's should be better regulated. Their tactics are not very nice at all.

seamanarts

jon1965 wrote: »

If you mean is the person concerned called andrew thomas watson then so far as I know it is not. However that article means nothing to me as it is all in code so maybe you can translate

Im sure you can read Jon, its quite simple to read and understand.

seamanarts

jon1965 wrote: »

Ok , there are two main posters on the paydayloan forums. They have been stating time and time again that all you pay is loan +1 months interest and that was all. That they did not put defaults on your file, that they had no rights etc etc. A poster called Audlem then challenged them to provide case law or examples and was told to go and read the posts. He came back saying there was nothing but opinion in the posts etc. He was firm but polite and said to give misinformation was bad. He had also suggested to the OP that as his PDL debts were 600 nand he could afford 200 per month it may be an idea to arrange a 3 month repayment plan with them and just pay minimum onhis other debts like credit card.
This was rubbished and the statement that pdl'S HAD LESS RIGHT THAN YOU TELEPHONE PROVIDER TO BE PAID WAS MADE. Anyway eventually a mod came, deleted all of AUDLEMs posts , called him a plant.
Today another mod has actually come on and debunked all the claims being made by the two people who have been allowed to control the PDL boards.

And was he a plant? Maybe he was there to cause trouble, what do you think Jon? are you on CAG then?

endora

seamanarts wrote: »

I think what you have to understand is that CAG members offer advise, if the advise causes certain situations that may be libellous for CAG or the poster, then of course it should be deleted. That is common sense.

If CAG members are offering ADVICE then they are in a lot of trouble over there! Only qualified people should give advice, the idea of an open forum is to share experiences and ideas and suggest possible courses of action.

seamanarts wrote: »

Like all forums they have rules, every member agrees by those rules when they sign up, If rules are broken, Post will be deleted or corrected.
I dont see what the problem with that is?

The problem is when a lot of posts get deleted even when no rules are broken. I have had a number of CAG posts deleted without any of them violating a single forum rule! I have gone back to check their rules several times and can't find where it says that what I'd posted was against the rules.

mo786uk wrote: »

Because they twice deleted information that was CORRECT because it dd not fit in with their own ideals.

You could even argue they are doing their members a disservice by witholding important information.

CAG hold themselves up as pro-consumer - that means what is best for the consumer. They do not hold themselves as anti debt colelction companies - which is what that section of the forum is. i.e they are more cncerned about making things difficult for debt collectors than they are for providing good advice to everyone.

There is lots of good advice on CAG but for some parts of it I would advise any reader to look elsewhere to balance things up - its very one sided.

I'm familiar with the debt section at CAG, frankly the so-called 'advice' is highly inconsistent. You can't even tell which side their on, one minute they will tell you "pay them nowt", the next they'll accuse you of being a debt avoider. The idea that if a debt is not in your credit file you don't have to pay it is ridiculous, many people defaulted over 6 years ago but have been making payments so it's not SBd. Also they tell you to offer them £1/month forever but will slag you off if you mention a CCA request or question enforceability. But often on the same thread they will then go on to question whether the DCA has the right to collect the debt... Total madness!

Have you noticed the number of threads that end in dead ends, where the OP has asked a question that never got answered?

seamanarts wrote: »

I have to say though I dont agree with people who think that they can borrow money then think they dont have to pay it because of a loop hole some idiot has found, that is very wrong.

You are entitled to your opinion, nevertheless, there is such thing as Statute Law. You would think that banks, with their vast resources and in-house legal and compliance teams as well as armies of data processing back office minions could get something as simple as a credit agreement right, after all it IS their core business! You would also think they could at least hold a digital copy of every agreement ever signed since 1990, back then scanning technology was already available, probably still too complicated and expensive for consumer use but it was available to large corporations. If they can't get their act together then they only have themselves to blame!

endora

seamanarts wrote: »

Is he a solicitor now?
or are we talking about this solicitor.

lawgazette.co.uk/in-practice/sdt-decisions/andrew-thomas-watson

this certainly dosnt look good on his firm.

No, it ISN'T that solicitor at all!

seamanarts

If CAG members are offering ADVICE then they are in a lot of trouble over there! Only qualified people should give advice, the idea of an open forum is to share experiences and ideas and suggest possible courses of action.

CAB is in a lot of trouble then.

advice or advise may refer to:
Advice (opinion), an opinion or recommendation offered as a guide to action, conduct.