Guest/Jamesj

So far I haven't found any posts by James that is flat out wrong ar attacking. If he's the same James that made a post last night about how to revoke ACH (by going directly to the processor), then I think that was very good info ... I don't know if it can be done or not, but it sounds logical and may be useful to some.

Granted, I haven't read all of his posts, but from what I have read I don't find anything wrong with it. If he can share some new info, then that is a good thing. It's okay to disagree - I haven't found him being viscious in the way he disagrees.

I actually received a PM from James . . . Pretty much telling me that he is involved with payday loan companies and doesn't want to post too much because he doesn't want retribution from them. He has offered to send me any information he has for me to post if I think it would help.

I don't really know if I believe him or not . . . He did mention in the pm that many pdl's watch this site and actually post for help . . . . So it could be a trick, or it could be a genuiune attempt to help people.

I think this is a situation that definitely bears watching as it develops. If James sincerely wants to help, it will become very obvious with his future posts. If he simply is here to tear down members or spread misinformation, that will also become clear in the near future.

So far, I don't see anything that warrants anything more than just watching his posts to see what information he offers...or doesn't offer.

Thanks, guys! I just wanted some opinions here. I didn't see any sort of 'attack' at all by him. I was just a bit leery of the extent of his knowledge and his secrecy. However, if he sent goudah a pm, maybe he is legit. Who knows. Wonderful if he is! :D I just wanted to send out a head's up. Thank you guys so much!

I noticed him last night as well. He made me nervous too because he was posting information that seemed way out of left field but plausible at the same time. I kind of thought he was associated with a pdl due to a post he made on one of the threads. I do think the situation does merit watching.

Call me paranoid too Cannr, you aren't alone.......his pm to Goudah sounds kind of suspicious to me............

What is normally done when someone new comes to this forum posting information?

I have to say, I don't see anything suspicious in James' posts. He truly seems to want to help. And like I said, if he doesn't, it will eventually come to light. He's not been rude, hateful, or even said "pay your bills" like many guests we get.

As I mentioned before, I suggest we simply watch what happens. If he has bad intentions, it will come to light and we can deal with it then. Until then, we should just watch and listen with an open mind. Don't immediately judge someone who comes to the forum offering GOOD advice.

Like I said, he hasn't "attacked" anyone or said anything horrible. That wasn't what I meant at all. I (like suebee stated) just wanted to send out a head's up to just watch his posts. Not that we're out to "get" him in the least! If he has good information (as I posted above) then wonderful! :D I'm all for it. But, like roxy said, it seems a little out of left field; however, plausible at the same time. I'm all for someone coming and helping and giving good information.

Just curious - how is everyone feeling about James' posts recently? He just pm'd me with some very interesting information on how to link PDL companies that operate under various DBA's by linking their IP addresses together, and gave me instructions on how to do it....doesn't seem like the actions of someone who is working against us to me...

I am just leery of this guy. Why take out PDL's if you don't need the money? This just sounds shady to me and does bear watching. I think he might be working for a PDL.

I have read in threads where he has given information that does not apply to the situation.

http://www.debtconsolidationcare.com/paydayloan/calculate-fees-1.html

I also was not too happy with the first statement in his post.

I am still leery. Call me paranoid. That's fine. But, here's an example. I asked if the pdl had their bank account information. The answer is "yes". However, James says "Don't worry about it. They won't do anything." Ummmm..... they have this members bank account information. How does he know they won't do anything??????

http://www.debtconsolidationcare.com/settlement/about44766.html

Okay Here's another one that makes me go "Huh?"

http://www.debtconsolidationcare.com/paydayloan/about44781.html

I basically have stopped responding to threads where James is giving his advice and I hate to do that, but he's stepping in and taking over. If that's okay with everyone else, that's fine with me. I say we all are here to help people, but sometimes I think "Huh?" when I read what he posts, so I drop it. And I don't want to drop anyone who he may be confusing or maybe (just maybe?) giving incorrect information.

Again I ask, what is normally done when someone new comes to the forum and post questionable advice?

Some of his comments makes me wonder if he isn't really still working for the pdl's . . . . . And intentionally trying to mess people up.

All he would have to do is post some good, interesting information, then people would trust him and he could do some real damage . . . .

James started a new thread and put his site, I guess there for all to check out. It isn't a link, but almost sounds like advertising there, but may be wrong

Bossy, I kind of thought the same thing so I went to it to check it out...he has posted to go to his site on several posts. It really is nothing different than what he has posted on here, just a little more in depth. I am still uncomfortable with his posts though...even though on his site he says he wants to help.

This is ONE THING I see as a problem with james' posts:

Quote:

I agree SueBee- that was in response to me, aboiut not understanding! I understand too well, now, He admitted he is advertising, and gets angry if he is questioned about it.

I think we should do what we do with others posts who advertise their sites, delete or edit info out..

I'd like to get Admin's response to this - we've discussed quite thoroughly amongst ourselves here -

Vikas....can you post your thoughts on this?

I do want to note that I've received several pm's from members here voicing their concerns over James's posts . . . Many here feel like he is advertising for his own site way too much, and that his main goal is to get people to go over there . . .

Already, I've seen one post in the payday loan forum asking about his website - Like it's connected with ours or something.

Shut it down then. If it is against the ToS which we stick strickly to then shouldn't we shut it down quickly?

I did send Vikas a pm regarding answering this thread the other day............

I've just about had it. Someone posted (as mentioned above) a thread about how to get to this guy's site.

I posted that it would be best to stay here where they would get many people's opinions, and could chose for themselves which advice to follow, instead of going to an outside site and only getting one person's opinion.

James response:

Quote:

I think that's pretty much done it - he's advertising, redirecting people outside our site where they won't receive advice, only be directed to a website that offers NO help, and starting to respond in a snappy manner to those who question his motives.

I vote for banning him, as we have those in the past who have refused to follow our TOS.

My vote is to ban the dude. He's given too much incorrect information on the pdl forum as far as I'm concerned. I did edit out his "website" from one of his posts.

I've pm'd Vikas regarding this...hopefully we'll hear something soon.

I hate the fact that his 'www' is posted for all to click on in his posts. :evil:

No, his last post on this thread doesn't send chills down my spine..... What??? What is that supposed to mean? Are we supposed to "read between the lines" on this one???

I know them well.


http://www.debtconsolidationcare.com/settlement/about44766-1.html

I think you are over reacting on that one. What do you think it was supposed to mean? That he is a terrorist or something? Most likely he works or has worked for them at one point in time. He obviously believes in the company.

I haven't read all of his post and since I'm not the mod for that forum I probably won't because I know almost next to nothing about PDL's. Instead of talking about action start taking action. Begin editing his post. If the TOS requires that he gets banned I am sure one of the admins will do it when they are able because I don't think we have the capability, although I haven't tried or even looked for it.

I don't think she meant that he was terrorist.

I think she meant that he is obviously alluding to the fact that he is intimatly connected with the payday loan companies.

Certain actions of his, like trying to lure users away to his own site, could be a ploy to try and mess them up. His constantly saying that these pdl's won't mess with your bank account after you tell them not to shows that he really has no clue what these companies do when attempting to collect.

I'm sorry. Sometimes my humour is a is off quite a bit. It's one of the things that usually gets me into trouble.

If his actions are breaking the TOS then something needs to be done about it. If they aren't then maybe someone can be more vigilant in posting behind him with information that would make a good rebuttal even if it is repetative.

I agree with FYI - we need to start editing his posts when he posts his website address. He obviously knows we don't allow website addresses to be posted when they advertise someone's website in an attempt to lure our members away - so he's listing it as "www usapaydayloan com " - without the dots or whatever. By doing this, he is intentionally circumventing the protections we have in place to keep our members from being defrauded or sent to websites that will not help them.

Since Admin is overloaded with Mike gone, I propose that the Mods who handle that forum start editing the website out of his existing and future posts. I would like to see him banned for providing bad info that could potentially lead our members and guests into trouble, and the advertising he's doing, but until we can do that, I'd like to see his posts edited.

Question - What about when he doesn't put his site?

He's taken to just stating "Use the WWW button under my post to get to my site".

#1. No, I didn't mean he was a terrorist. I am on the pdl forum a lot. I read what he posts. I see incorrect information given. I see bad advice given. Then I see that comment and it blows me away. I don't think I over-reacted at all. If I over-reacted, I would have deleted it! LOL! I just brought it to the attention of this thread. He is OBVIOUSLY working with/for or associated with pdls, in my eyes anyway. It's messing guests and new members up. If you go through all the threads, like I try to do, you would see this.
#2. Goudah, good question. I have a problem with him saying "click on my www". We can't do anything about that. So, people will click away. We have no control.
#3. I have already begun editing his posts regarding his site/link/whatever. If it's in there, I just edit it out and leave everything else. At this point, with no answers, I think that's the only thing we can do.

But, I think goudah raised a good point.

Quote:

I guess in the case of him using his www button to redirect people coming here for help....do we just simply ban him based on the fact that he has violated our TOS??

Again, I'd like to see Admin's opinion on this, since we do not have the power to ban - only to suggest.

Vikas????

It isn't against the TOS to do the button thing. That's what it's there for. I just looked at his page, and there are a couple of new people that have already gone over to his "site" to get help instead of sticking with ours . . . . .

Also, another thing that really bugs me - And this isn't something that he's doing that is against the rules or anything, but he keeps saying other's are wrong, and he is right because he says so. He has not posted anything that can be verified as fact. Yet he is saying a lot of our easily verifable facts are wrong.

I just wish that if he was legit he would post something that could actually be verified, instead of going with the "because I say so I'm right".

Goudah - I don't think we should ban him because he's using the www button, but because he has advertised his site repeatedly, which IS against our TOS.

He's sending me pm's now.......

Hi All!

I can well understand your concern in keeping the board clean from people posting wrong and misleading information (I went through the posts made by this guest). But even if he????????s giving out wrong information, we have the community to take care of it. We have many experts around this community upon whom I can rest my faith that they????????ll spread the right knowledge and will guide the others in the right direction.

Regarding, directing the members to his site, whenever you click on the ???????www tab???????? it????????ll open in another window. Hence, the visitor (technically) isn????????t getting away form our site. This option is deliberately kept to offer recognition to the members in return of their time spent helping others in the forums.

He is clearly promoting his blog, but as long as it????????s not offering any commercial service, we can????????t call it an advertisement.

For the time being let us not impose a ban on this user, but my request to all the moderators would be..

Please monitor his posts, if he keeps on advising members to visit his site without giving out valuable information on the board itself, we may reconsider our decision. Meanwhile, I????????ll PM him suggesting to use the forums properly.

Regards,
Jason

This is a PM I received from James on April 17th, I forwarded it to Vikas.

james wrote:
Hello Shazzers. You may here this a lot, but it would not be beneficial to you or this forum to know me. If you would like to verify what I am saying, feel free to contact Gail Sauter of Advantage Payment Systems in Las Vegas, NV. The URL is advantagepaymentsys.com. The phone number, as you can verify through the site, is 702-240-5295. You can also speak with Cameron Sauter. Ask either of them about revoking authorization from their clients. You will find them quite forthcoming albeit defensive. I will be posting often and it will be up to the users to use their judgment and due diligence as with any information. I hope you find my posts insightful an useful. In time you'll come to see that a group of strangers can bring down a billion dollar industry with knowledge and unity. I can't receive PM, feel free to jump into a post to respond. If there are any specific, out of the ordinary questions you have, create a post asking about something. I believe I'm probably better equipped to answer them then most.

James is now talking crap ahout me on the forums. I've had to edit several of his posts where he specifically says things like "Goudah is going to crap when I say this" or "Goudah doesn't know anything" . . . .

This is getting out of hand. It's one thing for him to become a member and contribute information. It's entirely different when he is spending all his time getting people to leave this site for his, and now making fun of and insulting members.

Another thing - This guy has posted that he created the software used by USA Payday Loan to ach customers.

How many computer programmers are also involved in the legal doings of a company? Or even the business side? The licensing side?

He claims to be more knowledgable then everyone else, yet he has never actually done any of this before. He hasn't had payday loans.

Now I've had to edit out 3 other posts he has made - He has called me a cheesehead, stupid, holier then thou, and other crap.

Why is it that he can't receive PM's, but he can send them? This is what he told me.

I will add that he has apologized for the remarks he made about me.

I'm glad he apologized, but he seems to want to go head to head with you goudah.

I don't care if he apologized or not. Personal attacks on members/guest is prohibited. To me, this is a personal attack (more than once) towards goudah. This is not acceptable to me. However, who am I? But I had to voice my opinion. And, goudah, I'm sorry you have to go through this.