The morals & ethics of being in debt

[watchinginvestigation2011]

It is now obvous ghost is a troll in my opinion any way.

 

No matter how much you try to talk to such a person they will hate every thread they read that shows a cagger learning their rignts and fighting back with the quip dirty wont payer. They feel all powerful that we should be so so angry at what they judge is a huge ammount of wont pays as apposed to true cant pays and that these sites are giving advice that is used to bad use for that intent.

 

I suggest that trolly is familiar to us, the text and type for some reason seems familiar, probably a saddo who keeps registering to carry on the fight.

 

So perhaps it is time to not reply to ghosty and ignore, let them go to their own forums an moan away whilst planning their next gala dinners of who is the best dca in the world, yawn. Put it this way ghosty you are not cant pay friendly and well funny enough so are the dcas.

 

Wether ghostey is heavily involved in them or not well who knows, but they certainly all have one trait ar*e kissing the credit industry:lol: for some reason and telling us how we should be angry at others. Sorry but I personally will reserve any anger for misleading and miss selling companies that I can prove did so, they dont like it up em as they say xx

 

RECORD ALL CALLS

 

As we have no need to carry on bending over, could we ignore?

 

Guess what five live is talking about? GHOSTS and that how some ghosts are on diff wavelengths, apt eh?

Edited June 8, 2011 by watchinginvestigation2011

[watchinginvestigation2011]

Credit industry is so so frightened of normal people learning their rights simple as that !!!!!!!!!!

[theghost]

I think you need to learn the definition of what a troll is.

 

I am not wholly supporting the credit industry - maybe you shoudl read my posts instead of just reading what you want to read.

 

Its pretty sad that you are all so hostile gjust because I am not totally on your side in hating creditors.

 

I have not said anyone in this thread is wont payer - only that I have come across them in my working life - so get your facts right.

 

And if you don't thin kthere are a significant number of wont payers out there then you are massivley naive.

[watchinginvestigation2011]

Did someone speak?

 

Thought not must have been a gush of air passing my windows again:lol:

 

 

Ghostbusters was a great film:-)

 

Who ya goona call?

 

CAG of course xx

[theghost]

Stop trolling

[watchinginvestigation2011]

Oh from you that is a compliment xx

 

My last post to trolly bye xx

[sillygirl1]

I did report 'theghost' to the site team when they started re-posting, they are a newer type of troll. This thread has only shown that CAGGERS are willing to take responsibility for their own debt and deal with it in their own way, not leave it to the DCAs etc.

 

In theghost's world people like me who help out on this site and don't expect anything back (other than a few tips of the scales) are not clued up and offer dubious advice and should be 'put down'.

 

I would like to ask theghost how many defences they have written at the 11th hour and had the originial claim thrown out of court, or had the defendant into mediation where the company did not want to discuss their ultra high interest rate, default fees, default daily interest charges of 50% or more and how many of his defences have made the claimant discontinue.

 

I would also like to ask why they are frequenting this forum when clearly its ideaology is against their own moral/ethic code? It is a bit like somebody not into porn going onto porn sites and complaining about the content of the files.

[coledog]

I did report 'theghost' to the site team when they started re-posting, they are a newer type of troll. This thread has only shown that CAGGERS are willing to take responsibility for their own debt and deal with it in their own way, not leave it to the DCAs etc.

 

In theghost's world people like me who help out on this site and don't expect anything back (other than a few tips of the scales) are not clued up and offer dubious advice and should be 'put down'.

 

I would like to ask theghost how many defences they have written at the 11th hour and had the originial claim thrown out of court, or had the defendant into mediation where the company did not want to discuss their ultra high interest rate, default fees, default daily interest charges of 50% or more and how many of his defences have made the claimant discontinue.

 

I would also like to ask why they are frequenting this forum when clearly its ideaology is against their own moral/ethic code? It is a bit like somebody not into porn going onto porn sites and complaining about the content of the files.

 

 

Very well put SG - totally agree! For some reason, I cannot click your star as I have given you too many points already!

[coledog]

I will add that most people chased by a DCA will try to be moral and mindlessly pay them, even if they cannot afford their ridiculous demands and are pressurised into doing this to the detriment of more important commitments We have lots of people on CAG who have been making regular payments and are still being put under pressure every few months to increase the amount, this is often when they crack and ask for help.

 

The debt sale business is corrupt IMO. Creditors sell debts for pennies in the pound and get the rest written off. The debt buyer then maximises their profit by threats and demands for extra interest. If they cannot get their money they will go for Charging Orders on homes. The court system is a lottery IMO and it is difficult for the 'defendant' to get proper representation. There will always be well off people who can pay for help to avoid commitments they could probably meet but for the majority, they need the help and support of CAG and others.

 

AND don't get me started on Payday loan companies!!

 

Rant Over!

[sillygirl1]

Yes, to add to Coledog's discussion we have seem time and time again DCAs asking for 3 monthly I&E statements and to double the amount people are already paying, as wages only go up annually (and in some cases not even that) and the cost of living rises the greed of the DCAs is what sends people to us.

 

I would also like to ask theghost's opinion of the Credit Reference Agencies part in the economic downfall of this country.. unlicenced, unregulated and able to deem somebody 'bad' for the next 6 years. If we had debt prisons again then the debt crisis would not have happened, the people creating the debt would have been in them long ago! Debt prisons used to contain 'money lenders' as well as their victims.

[PGH7447]

Is this thread still going, I would have though by now that theghost would have realised that CAG is here to advise people and in no way condones debt avoidance, obviously sites and forums like this are an abomination to the DCA and Credit industry, which is why some posters on here actually try to run these sites down and play up how brave and upstanding the debt collection industry is. Is he/she a troll who knows, and really who cares, we know on here that for everyone we help it is less money being sucked into the dca coffers and that eventually this pathetic industry will either collapse or be forced to clean up its act, it may be years away but the tide is definatley turning for these parasites

[casper1963]

so the ghost which law enforcement (or think is a law enforcement) agency do you work for lowlifes,robbers way or one of of our many deluded dca friends on here

well i did ask back in post 35 but never got a reply

[theghost]

well i did ask back in post 35 but never got a reply

 

Why would I post who I work for?

 

--

 

An in reply to another poster I have no problem with the CAGs ideology. Helping consumers is to be commended.

 

If the site team have a problem with me they can ban me, but anyone with a bit of common sense can see I havent posted anything that is either outlandish, derorgatory or factually incorrect. Any balanced person can see that.

 

This thread has done nothing to change my views on the original tpoic - I have mainly been flamed by peopel telling me the credit industry is evil - not something new to me I should add.

[theghost]

 

In theghost's world people like me who help out on this site and don't expect anything back (other than a few tips of the scales) are not clued up and offer dubious advice and should be 'put down'.

 

When did I say you should be 'put down'?

[PGH7447]

I have mainly been flamed by peopel telling me the credit industry is evil - not something new to me I should add.

 

So what do you make of this then, if they aint evil

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?308766-Mysteriously-trebling-debts-7k-to-23k-raven&p=3444051#post3444051

[theghost]

So what do you make of this then, if they aint evil

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?308766-Mysteriously-trebling-debts-7k-to-23k-raven&p=3444051#post3444051

 

You seem to be of the impression that

 

a) i dont know a lot of poor practice goes on in the credit industry

b) that i support anything and everything

 

You are incorrect

 

With regards to that particular thing - I have no idea. We will wait and see what OP comes back with.

[beachbird]

with so many people losing thier jobs and their homes, and living on a dole cheque how can they pay their debts off, any one of us could be in that situation at any time, so dont think you might never be a debter ghosty, think before you open your mouth, your not in thyour not losing your home or lost your job BUT you may do one day we are all human beings who depend on jobs, and your job is no safer, have you thought how people get into debt?? i mean , ill health is one, when a person has worked most of their life then becomes severly dissabled, there is no help from the creditors all they want is their money,

[brokebutnotbeatn]

hear hear BB. I was coping with my debt until my world was unexpectanty turned upside down. I immediatey took steps to deal with my debts, but were the creditors interested in playing ball? We all know the answer to that one...

[luckysandpiper]

Er excuse me, the first time I was contacted by phone from one of these firms, and yes it was an inhouse DCA, the first words were pay up or else, I asked what do you mean or else, and he said you will soon see, and that was the start of constant phone calls threats and intimidation, I was not even given a chance to try to arrange anything, did I pay, you must be joking, I fought back, and guess what, they did not have a valid agreement so they have still got nothing, on the other hand if they had even tried to be understanding, they would have got paid, so who is the stupid cretin now, and this pattern was followed by all the other DCA's who come on the scene.

 

As for black marks on my credit report, who really gives a toss, I still managed to get a mortgage and credit

 

PGH7447 - I am willing to bet that I could name the Bank or affiliate, and the DCA concerned from what you have written. I am glad to hear that you still managed to get a mortgage and credit. I have obtained (but not needed) credit WITH A PROPERLY EXECUTED AGREEMENT of which I have a copy, but was turned down by my new bank for a £50 increase in my overdraft.One can only relate one's own experiences. LSP

[theghost]

with so many people losing thier jobs and their homes, and living on a dole cheque how can they pay their debts off, any one of us could be in that situation at any time, so dont think you might never be a debter ghosty, think before you open your mouth, your not in thyour not losing your home or lost your job BUT you may do one day we are all human beings who depend on jobs, and your job is no safer, have you thought how people get into debt?? i mean , ill health is one, when a person has worked most of their life then becomes severly dissabled, there is no help from the creditors all they want is their money,

 

This discussion - form my point of view - has never been about people who cannot genuinley pay.

 

 

It is critical to remember that the credit market has a lot more people in than just 'can't pays' - I feel some people on here struggle to understand that simple concept.

[BRIGADIER2JCS]

Hi beachbird have look Jennji's post titled DCA reduced payments now threatening Charging Order, I think it shows a lot to support

your pst.

[Huff&Puff]

This discussion - form my point of view - has never been about people who cannot genuinley pay.

 

 

It is critical to remember that the credit market has a lot more people in than just 'can't pays' - I feel some people on here struggle to understand that simple concept.

 

And you seem to struggle with the simple concept that because there are some "won't pays", that does not give DCAs carte blanche to bully everybody else. I challenge you to find one thread on these forums, or anywhere else, where a DCA has actually listened, and then modified their demands, to actually fit a person's circumstances. They do not, they treat everyone exactly the same, and routinely bully, lie and cheat in order to try and coerce payment irrespective of circumstances. In your world that behaviour is perfectly justified, because of the (small number, IMO) of "won't pays" :mad:

[BRIGADIER2JCS]

I could not agree more huff & Puff if others read the threads more carefully understanding the

situations these people are in I think would be much plainer.

[rebel11]

Came across someone who was paying Credit Solutions as per arrangement, they could not afford to pay the same amount because their household income had

gone down, they informed Credit Solutions but you've guessed, they weren't interested. They wanted the same amount.

[theghost]

And you seem to struggle with the simple concept that because there are some "won't pays", that does not give DCAs carte blanche to bully everybody else.

 

 

Never said it did, I said I understand why they do it - get your facts right.