When I joined this forum..

Leah- I am glad you joined us! There are still alot of closely knit people here-trying to help others. I am glad you were able to have found help here, and hopefully things will take a turn for the better!!..KAren :D

Leah,
I understand your point. We as a boardwill have to pull together to keep unity on the board. I really do not want to see these mods leave.They all have immense knowledge that we would be hard pressed to duplicate. I really hope we can get all this drama squared away.

I really hate to see anybody leave because of someone elses offensive or hurtful comments---come on guys don't let them WIN----

I agree-why let a few bad apples spoil the bunch?? I was a nervous wreck before I came here..Do you know how stressful it is to be pregnant, all your money being eaten up by PDL's and not know what to do or who to turn to? I was certain the only way I was going to be able to do the right thing was to give my baby up for adoption....

This forum gave me hope!

This forum has given a lot of people hope and guidance. There is loads of valuable information on here and a lot of us have worked hard to get this information out.

Leah,
I realized in taking my day off that some posters are doing all this neg mess just to tear our board apart and it seems they maybe winning at this time.We don't want to lose anyone.These people that may be leaving are very kind and giving on this board. I have read their posts and seen how far they are willing to go to help someone. It is downright criminal to push someone of that stature off this board. I have only been here three months and I have seen the attacks increase ever since we went back to guest posting. Now some of this negativity I have seen it happen on members too. This is not something to pick sides on. Karen has a good point that my stubborn butt is still trying to learn.If it is a negative post,ignore it and they will leave you alone.

Quote:

I think everyone, members and guests included, should look at their role in the downfall of this board. Some memebers need to realize that it is not only the guests fault. I truly think that some people don't think they have any responsibility in what is happening. What has happened here to make the long time members want to leave? Lets be honest and search within ourselves and find out.

I don't know what would have happened to me if I hadn't found this board. I second everything Leah said. I think we are all here with a common purpose, to become debt free or more secure. I hate to see people leave, and hate to see arguing.

Quote:

Guests,

You are a valuable asset to this forum. I do not understand why there have been so many personal attacks on guests lately. Before I joined, I was a guest for awhile. I was trying to find the answers and I found some great friends as well.

I think ( I know I am ) many guest are hiding because if they post as the member they are attacked.. not all the guest but a lot of them..
I can tell by the post not everyone wants to be attacked for having a opinion..

Alright, who wants to fight!!! LOL. I am not going anywhere, and I am sorry to anyone and everyone for allowing myself to become emotional over the Bill T. thing. I was not being rational.

Well I am very new as you all know. And really am not aware of who all is thinking of leaving. However, I too sometimes have felt that even though correct answers may have been given by poeple...sometimes it was done in a very cold callous I don't care...you read the papers and signed them so there...you screwed up. I won't mention names. I can only say that when I came here the first day...I ws desperate and in tears. And, for the most part everyone has been wonderful. But, I too mostly keep my mouth shut on 1 particular board.....because If I voice my opinion I too feel as if I am attacked. If not for Cajun, Mike,Steelers,Sassy, and most of the mods....I probably would have left.

But I love it here and really hope that we can all make it through the changes. Afterall, possibly this group has come under attack because it has had success in teaching us how to deal with poeple that would rather we not have that information.

Also this week has been very stressful..maybe too because of all of the changes. Just like birth...growth always causes pain...but if you endure...you have a joyous gift.

For the most part...other than a few times...I have felt very good here.

This board literally saved my life. When I found it I was at the end of my rope. I couldn't eat, couldn't sleep, couldn't focus on my job, or anything else because I was in so deep with ipdl's and they were taking my whole check in interest and my husband's too and it was to the point we were going to lose our house because of them. I had no idea that I had any rights at all and figured that I was going to be paying them interest for the rest of my life. The only way out I could see was suicide and I am serious about that. I didn't see any other alternative. When I found this board in desperation, doing a google search for "payday loan help," I can't even tell you all how happy I felt...I almost cried. I agree that for the most part everyone has been wonderful. Many of you have come to my aid and literally saved my life. I do not know a lot like some people on here do and I try to give advice but if I can't give advice I try to make people feel welcome and let them know that there is hope for their situation. Emotional support can make such a difference. Were it not for the support of many of you on this board, like Leah, Sswett, Moondanzer, cajun, goudah, irish, and many others that have been so kind and helpful I don't know what would have happened to me. I can agree with Moondanzer when she says that sometimes things are answered in a very cold callous way. I think maybe that can scare people off. But I am so grateful to have this place and to have met all you wonderful people. Just remember that we could be saving someone's life by our kind words.

Can someone please explain to me about what this is all about. I have been here, and give as much information that I can to people, and not in a cold manner, at least from my standpoint, so is there a certain thread where someone was being mean to someone? Besides when I was not being polite to BillT.

Anthony look back in the collection and debt settlement threads say about 4-6 weeks ago.Had members fighting members,mods fighting mods,& etc. Practically was like days of our lives for a while and we almost lost a bunch of members. It had nothing to do with you far as I can tell.

I personally wasn't referring to anyone in particular. I read Moondanzer's post and decided to put my two cents in. Anthony I have never seen you give anything but good advice and be helpful and I don't even know what this Bill T. thing is about. I love everyone here.

when the woman call me devil and say the truth about my English was funny.i'm not a devil and the first time i was attacked by a jelly bean.
when bill the collector came here to tell lies about a great member of this forum was pure envy.
i doubt any jelly bean go attacked me again without been ate.(eat-ate-eaten)ooopppps!!!
jelly bean woman dont know how important she made me feel with her quick message.if people are telling me
lies is pure envy.
about the great members of this forum they are incomparable human beings just like my family.
about my English...

God knows who i'm and god knows who are the great members of this forum.
I was very luck to find debt consolidation care forum.

Tania, that is terrible! I never saw that post where someone said that about you!!!! You are one of the sweetest people that I have ever met. I agree, people are just jealous.

Tania-I am so sorry someone said that about you. IF I decide to leave, it will be because it is my decision,not because of someone else on the Forums. I quit giving "people" power over me a long time ago. This Forum has had a major shift,but it can be turned around,IF,everyone looks at themselves, and what they may be doing, saying,etc. We are a bunch of individuals with a bunch of opinions, ego,etc. If I want change,it has to begin with me. I,too, agree about the tone given to others posts. Sometimes,I feel it is harsh and judgemental. If I have done this to anyone, please forvie me. I have been taking breaks from here more than usual because of the correcting,fighting, and drama. I get tired of people correcting metoo- but if what I am saying is the truth,who cares!? I try to share my experience, strenght, and hope, that's all. If I haven't experienced it, I will guide someone to the place or person to get info. OK, my 2 cents, or 20 cents is done :lol: Karen

Karen i'm really have a great admiration for you and
I know you are a wonderful person.you are right about everything.you always give only good information in this forum and you are a great member of this forum with
Golden diamond letters.you are a wonderful and a intelligent lady .i'm your fan and i'm fan of your cats either.i hope your mother is okay now.i hope
Everything will be wonderful always for you.

When I came to this board, I wasn't really "In trouble", I was looking up info on a CA that I was dealing with at the time, but felt there was a lot of good information being shared. I sensed that there were a lot of scared, nervous, and simply uncertain people out there looking for some kind of help and guidance in where to go next. There was a time when I was in the same situation, and really couldn't find anyone to give me better advice than the bad decision I made to file BK.

I felt (and still feel) this forum was a perfect outlet where I might help others avoid making the same mistakes I made, and learn some new information along the way.

The community has long been tight nit and has undoubtedly had it's rough spots. Ultimately in the end we come back together.

People will come and go for various reasons, while others will stay around but remain virtually silent, choosing only to speak when they feel they can make a worth while contribution.

Lately I myself have felt I have little to contribute in the current environment. There has come a point where I am simply regurgitating the same information over and over, and maybe feel people should look a little harder before asking the most mundane of questions. There is a expansive wealth of information in these forums, it only takes a quick search to find answers to many of the questions being asked.

Hi LCW, so nice to hear something from you. I hope you are doing well and with a strong mind. Life!!! We have to accept it as it comes. I was very sad seeing some people leaving this place but at the same time, it's good to hear something from you after a long time. It's like meeting an old friend after a long time.

Lately I myself have felt I have little to contribute in the current environment. There has come a point where I am simply regurgitating the same information over and over, and maybe feel people should look a little harder before asking the most mundane of questions. There is a expansive wealth of information in these forums, it only takes a quick search to find answers to many of the questions being asked

Keep in mind that some of these people are newbies and don't necessarily know where to search for the information

Leah, I agree. Recently I have heard people say that the quality of posts are poor, that people are not looking hard enough to find answers, and that guests are ignored. Number one, I do not think guests are ignored if they come asking legitimate questions....sometimes if someone says, "you people took $49.95 of my money and I want it back now," or "get easy money deposited in your checking account in 24 hours,"...now those are sometimes ignored. But if someone truely comes asking for help I have only seen members that are more than willing to help them. When I first came to this forum, I had no idea how to do a search on this site for what I was looking for and someone had to tell me what to do. I don't think that was my fault. As for people saying the quality of posts is poor, perhaps the admins should tell us what a good quality is if that is a problem. I think that we have all done the best that we could and I will continue to do so. I don't know what else we can do...I am not the smartest but like I have said before I try to do my best if nothing else to provide emotional support and let people know that they are not alone. It is upsetting to hear numerous "oldies" complain about the posts when we are doing our best. I think that there is a great group of newer people on here that have joined around the same time that I did or afterwards.

Tania-thank-you so much for the kind words!! LCW-it is so good to see you back and posting. You,along with others, were such a help to me when I came here. I,too, will only post if I feel I have something to offer: support,info,etc. I have felt pretty useless,too, with the forums and environmet lately! But,I want to give back what was so freely given to me-help and hope..KAren

This forum as a whole saved my life and gave me hope. If everyone decides to leave or they aren't going to post anymore who is going to give hope to all the others that come looking for it? I am all about giving back because I don't know where I would be without this forum. I know sometimes newer people feel overlooked or unappreciated because many times they are ignored by people that have been here longer. Please remember that we learn from experience and the longer we are here the more experience that we will have. Everyone we need to remember that we are all in this together and we are all here to help one another and if we forget that then this forum is going to die. I thank everyone that has and continues to help me. I don't know what I would do without this forum and the people that have been so kind and helpful to me.

I too, have noticed a lot of bickering between members, old and new.

Quality of posts or not, people are taking there time to post things relevant to this forum, as long as it gets the point across, I don't see why it is such a big deal. This forum wouldn't be much of anything, without its members, so by saying that their posts are of poor quality is discouraging for anyone to post. Sooner or later, you're going to have a forum of people who have information, but no one to give it to.

To say that people post mundane questions is, again, offensive to members and guests alike. I know that I came to this forum looking for help. I created new post regard the same PDL companies that there were posts already about. Why did I do that? I did that because the information had been posted long before I had shown up. I wanted fresh information, fresh response, I wanted to 'meet' people who were going thru exactly what I was going thru - at the same time I was going through it.

In my honest opinion, I think that some of the moderators (read most) have some sort of super moderator ego. Just because you're a moderator, doesn't make you any better than anyone else. You had to earn your status as moderator, it just wasn't bestowed upon you by the forum gods. Taking that into consideration, I realize that you worked hard to earn that status but you need to give other people a shot to earn their stripes. I find that I leave here more irritated than which I came, due to incessant childish behavior from the super-egoed mods.

So now that I've spoke my mind, let the crapstorm begin.

There isn't going to be a "crapstorm" by this mod! That is what gets things going. I am a person,no better,no less than any other. We have too many egos,opinions,etc., by all, new or old, but that is what you get with a large group of people. And that is to be expected. What I am, and have been trying to say is-let's get back to helping others, instead of saying what is wrong with the forum,the people,etc. If I were new to this site and read all the drama of backbiting,what's wrong, etc.,I wouln'd come back. We are here,or at least I am, for a single purpose-to get help, and give help. Let's keep it that way..KAren

I don't know that we have stopped helping others. I personally try to help people right away if I can. However I have taken offense to a few things that have been said and I have let them go. A few weeks ago I almost left the forum myself because I had the impression that us new people were not wanted here and we were not worthy of posting or giving advice. Like I said i know that I do not know everything, heck, I don't know ANYTHING! I have learned so much in my short time here. I just want to be happy and for everyone else on here to be the same, and for this to be a place of comfort for those in need and for those of us that are already here.

Oh my...sswett...I really hope I'm not one of the super-ego mods! I agree 100% that there has been way too much bickering here. This is something that has really upset me. I try my damndest not to get involved.

I also agree that no question is dumb or mundane. That irks me that anyone would think that about any question! All of us were new here at one time, and all of us have asked our share of "are-you-friggin'-kidding-me" questions. We live and learn, and have no right to judge anyone else.
AND you're absolutely correct about mods not being any better than anyone else. This is something that embarrasses me to no end. I hope I have never ever given you or anyone else the impression that I think otherwise.
Basically, we all just need to get it together. No one is in charge here..This is a concept that some people seem to subscribe to lately..We are all just a bunch of people who screwed up their finances at one point. I am really irate at the fact that a lot of my old friends are gone..And I'll be quite honest with you..I'm having a really tough time making friends with the new people. As I said before, I feel overlooked at times, like a figurehead. But I have a hell of a lot to offer, and I will remember that.
There is a way to solve all this stupid crap. we will find it, I promise. But we all have to work together.
Sswett, I really admire you for voicing your opinion like that, that's awesome. In my opinion, that's how things get accomplished.

I do not know who has been bickering and I really don't need to. I don't want to bicker with anyone. fins, I think you are a smart and kind person that I have not gotten to know and I hope that you do not feel that I have overlooked you. I try to respond and talk to anyone that talks to me but I do not think that our paths have crossed yet. I do feel that there are some of the people that have been around here for a long time that are not very friendly to new people. I hope that I have not done anything to offend anyone and I have wanted to make friends with people but I too feel like I have been overlooked!!! I do not know a lot like some people but I try to contribute whatever I can even if it is just emotional support. Like I said I have noticed a lot of the people that have been here for a long time are not very friendly to me and I don't know if they just don't like me for whatever reason or think that I don't know what I am talking about or I just rub people the wrong way but I don't see how. I am not going to beg people to be my friend-all I can be is who I am and if people don't like me for that, well there is nothing that I can do.

Hi Sassnlucy..

Don't down yourself, I've read a lot of your posts, and you have plenty to offer, trust me. Also, sometimes the most important thing is being supportive.
I've never felt that you in particular have overlooked me, and I wish I'd talked to you sooner! It sounds like there is a big misunderstanding all over the board! Looks like that maybe through this thread everything will settle down and we can all do what we should be doing.
I can see your point about people not being friendly to new people. I think I might be guilty of that myself, and I'm truly sorry about that. In the past I liked to make a point to send pms to new people- somewhere along the line I got away from that, and it's a shame. Looks like I'm the one missing out. Anyway, I'm really glad you pointed that out...And, since I've never said this before..I'm glad you're here! :D

Hey fins, I am so glad that you responded!! I am glad that you never felt overlooked by me! I wish we had met sooner too. I personally have felt really intimidated sometimes by the unity that the people that have been here longer have and I too feel like they have overlooked my posts even when I feel like I have given good advice. I think that you are right that there are misunderstandings all over the board and everyone needs to remember that we really are all here for the exact same reason and you said it best-that we are all a bunch of people that have screwed up our finances at some point!!!

You are a really sweet person and I am glad that you are here and that I finally got to meet you!!
~Michelle~

Hey..My name is Michelle too.

I'm glad we got this straight. As for the unity..Always always always feel free to jump right in the middle of anything. You're one of us.

Good to see the positive energy flowing by. Tammy, I wish you are reading all this.

Here is a song I am listening with a light mood. Tammy, please listen to this number :)

I, for one, care for everyone who are feeling slightly down. I wish we all good people stay together and face the bad ones. That's how life goes. Staying away does no good. It hurts when staying alone..

Mike-you have good taste in music! I love Sting's Desert Rose and I like the Bon Jovi one that you posted in the other thread, too!!!

:) Thanks Sass

You have one of my favorite number in your home page "Crazy love" :)

Aw really? I LOVE LOVE LOVE that song!! I love a lot of older music from the 70's and 80's! You are welcome, by the way!!!

I think that everyone needs to stand together as one on this forum. I don't think it should matter if you have been here for years or just joined. We are all here for one reason like fins said and we all have something to contribute and we are not going to be able to help each other or those in need if we are going to leave. This forum has done so much for me and I want to give back.

OMG, Sassy- you have "crazy love"??? It was Poco, right? Lol, I bought that cd when I was in high school ( no, I did not go to HS in the 70's, I graduated in 1992!) so I could play it when I was having problems with my stupid boyfriend.

finsfan--I graduated in 92 also!!! Yep, it was Poco. I love that song so much. It reminds me of when I was a kid. My mom always listened to a station called Lite 99 and that was always on there. The older I get, the more truth I have found in that song.

Yeah, tell me about it!
LOL, this is getting weird...When is your birthday? Mine's December 31.

My birthday is May 9th actually....I can't believe we both graduated in 92. And I cannot think of anyone else my age that would know that song by Poco........I LOVE when I meet someone else that appreciates good music!!!!!

I hear you..I have some odd taste in music as anyone who looks at my homepage can see. When I got married in 1998 I convinced my husband to use an old Climax Blues Band song for our first dance.

I like all kinds of music.....but I really love the 70's and 80's. I need to get some more songs on my homepage when I go back to work next week. I have all my music downloaded on my work computer.

I need to download some more stuff. We used to use Grokster, but that's scary now. I haven't found another one that I like that's cheap enough. Who do you use?