Sites that promise to get you a loan

Nebulous2

bobsa31 wrote: »

No it doesn't, but people aren't coming here to be judged and spoken down too because they have made a mistake, they are looking for advice. It's quite apparent you get your rocks off being a keyboard morality guardian, making sure people feel appropriately chided and stupid for any errors they make.

I think you need to read the thread again. There is nobody here 'looking for advice.' It's a fairly abstract discussion about the need to do something about these lenders. It isn't chiding anyone.

The lenders have an aggressive, misleading approach and sail very close to the wind. However they try to keep just about on the right side of the line.

We see lots of people fall foul of them and then come here for advice. They usually get pretty good advice as well. However a number of people then argue about the advice they receive. They prefer the word of the people who have managed to relieve them of money they don't have, to advice on here from people who don't have a stake in what is going on.

JKSandy

"desperate people do desperate things"

Time and time again they do and they never learn hence why these companies exist.

Monkeyballs

I always find it entertaining when I stray away from the Debt Free Wannabe forum into the Credit Card and Loans forums...

I only do it because I know that people post questions in the wrong places and I try to re-direct them to a "better" and "less judgmental" place to seek advice.

People make mistake when they are desperate, everyone handles this desperation differently and sticking their neck out to ask for help should not result in abuse.

People should read terms and conditions, a lot of people don't however - them not reading the T&C's doesn't make them a criminal nor should it result in people calling them names and hurling abuse - stick to the facts and advise them on what to do that is the point of this forum isn't it?

Before replying to someone asking for help and advice with an insult please consider what response you would like if you ever found yourself in that position (not that you ever would, would you?) and treat that person like a human being!

MB

imoneyop

Monkeyballs wrote: »

People should read terms and conditions, a lot of people don't however - them not reading the T&C's doesn't make them a criminal nor should it result in people calling them names and hurling abuse - stick to the facts and advise them on what to do that is the point of this forum isn't it?

Before replying to someone asking for help and advice with an insult please consider what response you would like if you ever found yourself in that position (not that you ever would, would you?) and treat that person like a human being!

MB

What name calling, abuse and insults is that then? They have been given advice and had it pointed out to them how foolish they have been in randomly giving their credit card details to any one that asks them for them with out reading why they are wanted - hopefully they will learn from that and not make the same mistake in future. Many of them are often directed to DFW to seek advice on sorting out the financial problems that resulted in them having to resort to loan brokers in the first place.

If you really consider that abuse or an insult then the real world is probably not a safe place for you, so you'd be better off sticking to the DFW board where you can give everyone fluffy hugs to your hearts content.

DCFC79

Ive never seen abuse or name calling on loans, cant say about debt free. Ive seen worse things on the benefits board.

Monkeyballs

I'm not just talking specifically about this thread but I have seen on numerous occasions where someone has asked for advice and while they do often get it, it's also quite common for flak about them being an idiot to follow!

I'm thick skinned but some comments which get posted, if said to my face and not on a forum would not result in a big happy smile and a "thanks mate, that's really helpful advice" being received from me!

Also, the DFW isn't all about giving people "fluffy hugs" it's about genuinely trying to help people out of an extremely stressful situation and the first step isn't to say to them "You're a stupid idiot for getting in this mess in the first place" because if that's the kind of response which was prevalent on there then they wouldn't come back and would carry on sticking their head in the sand!

All I'm saying is if someone asks for help, help them because judgement on their actions doesn't help anyone.

MB

imoneyop

The problem is that in threads like this you get new posters posting the same inane "I've been scammed they took money from my account that I didn't agree to how do I get a refund" posts over and over again. Had they bothered to read the thread (not being bothered to read things appears to be a trait of these posters and is what caused them the problem in the first place) they would find out that

a) The payment wasn't unauthorised as they gave their card details and ticked the little box confirming they had read the T&Cs that agreed to it.
b) It has already been explained multiple times how to get a refund.

Then there are the "I think I've found a tiny loophole that will allow me to get out of paying back what I owe" posters - yes they may get abuse, but, as someone from the DFW board, don't you agree that their attitude stinks when there are many people struggling to make sure they meet their commitments and pay back what they borrow.

RuthnJasper

If you swim with sharks you will, inevitably, get bitten. Same principle.

I can't, for the life of me, understand why so many people fall for these wretched outfits. Ignorance, poor education, and basic plain idle laziness, I suppose... :wall:

Monkeyballs

imoneyop wrote: »

The problem is that in threads like this you get new posters posting the same inane "I've been scammed they took money from my account that I didn't agree to how do I get a refund" posts over and over again. Had they bothered to read the thread (not being bothered to read things appears to be a trait of these posters and is what caused them the problem in the first place) they would find out that

a) The payment wasn't unauthorised as they gave their card details and ticked the little box confirming they had read the T&Cs that agreed to it.
b) It has already been explained multiple times how to get a refund.

Then there are the "I think I've found a tiny loophole that will allow me to get out of paying back what I owe" posters - yes they may get abuse, but, as someone from the DFW board, don't you agree that their attitude stinks when there are many people struggling to make sure they meet their commitments and pay back what they borrow.

Fair point but the key words here are "new posters", people panic and want an ASAP reply especially if they are experiencing financial issues which led hem to search out such credit facilities in the first place... I wouldn't even mind if the first reply was along the lines of "This is common, you need to do X,Y and Z" before letting rip about them being idiots for not reading the T&C's first because at least then they've got the info they need and probably wouldn't come back to read further comments made anyway LOL

As for people thinking they've found a loophole to exploit... I think that generally speaking they're easy to spot straight off the bat and deserve to be flamed... I have no pity for someone who says things like "I applied for a loan from Wonga using someone elses details and now that person is being hassled for repayment, why should it be paid back if they couldn't be bothered to check it was the correct person applying" and so on...

Maybe I'm too straight laced? I'm of the opinion that if someone asks for help then help them (regardless of whether they should have known better or not) but if someone is openly trying to scam money then I have no time or patience for them.

MB

Monkeyballs

RuthnJasper wrote: »

If you swim with sharks you will, inevitably, get bitten. Same principle.

I can't, for the life of me, understand why so many people fall for these wretched outfits. Ignorance, poor education, and basic plain idle laziness, I suppose... :wall:

Desperation? Someone doesn't need to be either ignorant, uneducated or lazy to be desperate do they?

It's desperation which these outfits play on in my opinion, why else would you opt to go for a company which offers to contact dozens of companies on your behalf to try to get you a loan as opposed to just chosing one of the "mainstream" lenders (even if they are a PDL) - although I do accept there are exceptions to the rule

While helping people on the DFW forum I've seen plenty of broker sites that make no reference to them being brokers until you read through the endless pages of T&C's instead opting to state "We will get you the money you want fast!" big and bold on their homepage.

MB