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| Subtopic | Msgs | Last Updated |
     | Sunday, December 12, 1999 - 11:38 am  When I first started the Forum, I just wanted to provide a place where consumers can post their questions and get answers. My priority was to help people buy a house and get a mortgage. Now I'm more interested in the bigger picture, the laws and morality in our society. Thanks to Sean, Kristi, voigtkampf and some of the other posters, this forum has been a great resource for good advice on credit issues. Barbara and Denise have greatly contributed to the "big picture." Lately, rcb posted completely incorrect statements. While there are many postings that I could add to or I'd have a different recommendation, it's now getting to the point where those consumers looking for credible advice are being lied to. I'm not online a lot, so I can't always post corrections. I don't know what to do about this. I absolutely do NOT want to host a forum where somebody INSISTS on claiming that there is no statute of limitations for unpaid debts. And I also don't want to make this a forum for registered users only (I could.) I want this to be a place where everybody can say whatever they want. But the current situation with rcb posting irrational points that aren't even the topic definitely lowers the usefulness of the discussions. It's beginning to look like usenet. I don't like this at all. Any suggestions anyone? Well, I'm off to the desert for a week or so ....
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| | Sunday, December 12, 1999 - 12:09 pm >> I absolutely do NOT want to host a forum where somebody INSISTS on claiming that there is no >> statute of limitations for unpaid debts. Perhaps you missed my post ASKING you to educate me on the statute of limitations ?!?! I was honestly looking for answers. I stated that I was not familiar with everything, and hoped to find some answers on this forum or from you. You never replied to my request. And we're not lying here -we're learning (or so I thought). My apologies to Christine or anyone here that has been offended or feels that I've lied to them. I have only offered MY experiences in dealing with old debt, credit bureaus, mortgages and bankruptcies. Not hearsay or what some employee "told" me, but actual experiences.
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| | Thursday, December 16, 1999 - 03:02 pm I have decided to add a new MODERATED section to the Forum. The women and kids at the laundromat in Hatch, NM, inspired me. I'd bet $1,000 that not ONE person in that laundromat knew what credit scoring is. Yet, they all drove here, in a hopefully insured car or truck. I'd like to see these people in INSURED vehicles, and it's obvious that they won't be able to buy (afford) insurance if Scoring moves them into high risk. In case you haven't been at a laundromat down here, they're the less affluent people, immigrants and farm workers. The kind of people that pay cash and subsequently have no Scores. This forum is just like any public place, there is always *somebody* who screws it up for everybody. My net connections are so bad, I often can't load long pages at all. I don't see the point of having to WAIT several MINUTES to load rcb's completely irrelevant postings. Rcb apologized in the previous posting, and goes right on to simply disrupt the insurance discussion AGAIN. I think it's extremely important to create public awareness to crucial trends such as insurance companies using Scores to decline and rate consumers. Who cares when you can't buy a house, you can always rent one. But without auto insurance, most people lose their way to get to work, to earn a living. What are they supposed to do? Blow their brains out? Both Barbara and Sean made an effort to get info on that subject. Unfortunately it turns out to be very difficult. I'd like to see what develops without having to wade through garbage postings AND having to waste our time to respond to those postings. I'm not interested in rcb's insurance history. I really don't give a damn. Would you defend a murderer by saying "hey, he didn't kill me!! So let him go!?" Isn't that one of the stupidests arguments one could make? I'll move some of the better pages into the moderated area, and I'll be happy to authorize Barbara, Denise, Kristi, Sean, Voigtkampff, Greg and others to post there. I truly appreciate the many valuable postings, especially when completely opposing my views and opinions. It fascinates me how different people think and reason. I won't be able to set this up until I got a few days of land line connection, probably around Xmas/NY. Somebody recently mentioned OTHER credit sites (with public forums?) and I'd greatly appreciate any links. Maybe I can save myself a lot of work and we can all go there? Christine
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| | Friday, December 17, 1999 - 07:08 am Hey, Folks! Christine says: This is NOT Burger King. You don't get it YOUR way, you get it HER way. And if you don't LIKE it HER way, you don't GET the son of a bitch! You've got some serious issues, Christine. I hope some day that you get a real life, get a real job, buy a home, pay your debts and become a productive human being. Imposing censorship to those who believe only in what you want to believe in or those who agree with you - Hmmm ... are you sure that you're not surfing in from the mother country of Russia?
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| | Friday, December 17, 1999 - 10:53 am rcb: You been drinking? :) I hope so, at least intoxication would explain your postings. This ain't Burger King or Russia. If this WAS Russia, you couldn't start your own forum. You've been bragging about your cable modem, and I told you what software I use for this forum. If this WAS Burger King, you'd have to pay BEFORE posting. What's keeping you from starting your forum? Please post the URL here, I've been requesting URLs for other forums and I am still waiting. You sound a lot like some old fashioned communist who believes in joint ownership of everything. Last time I checked, *I* was still paying for this space. I have yet to delete a single posting of anyone other than my own duplicates. And you might notice that I didn't ban your IP. I just asked you to stop posting in the Auto Insurance topic, as you got nothing worthwhile to contribute, your own insurance experiences are irrelevant, your hatred for poor people is off topic, and I didn't care at all for your attacking Barbara. BTW, you can have all the SOBs on the planet :) Over Xmas I'll do some reorganizing, you can continue to post, just not in the moderated area. Christine
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| | Friday, December 17, 1999 - 07:57 pm >> What's keeping you from starting your forum? Please post the URL here, I've been requesting >> URLs for other forums and I am still waiting. Sure, what the hell. I've been waiting to get the domain registered & all, but I've got the beginnings of the board up. I'm running the free version of UUB (Ultimate Bulletin Board), but will be purchasing the full version and registering my domain after the holidays (I'm getting married, Christmasing and honeymooning between the 22nd and the 3rd, so it won't get done before then). For now, here's a temporary URL that will get you there: http://24.30.61.134/pcic The site/board will be much more than message forums, but that will come, again, after I return from the holidays.
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| | Friday, December 24, 1999 - 10:52 am Most importantly, I know that RCB's board will be what this place hasn't been - a neutral ground where there is room for ALL opinions. It's no surprise to me that I have only seen one half-hearted attempt at my questions being answered - with an admin like you Christine, who needs enemies? I hope to see you at rcb's once his site is up. At least there we won't have to worry about censorship.
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| | Wednesday, January 05, 2000 - 07:57 pm Perhaps there was some confusiong regarding the definition of a "statute of limitations" on debts??? Generally each state sets time limits for filing lawsuits of various types (e.g. property damage, personal injury, breach of contract, default on a debt.) After the limit passes, the allegedly wronged party cannot file a lawsuit, or, if they do, it can be quickly dismissed by the responant pointing out that the statue of limitations has already run. For some types of cases, the time limit is only one year. In some/many states, the statute of limitations relevant to credit cards is four years from the default. After that, forget about a lawsuit, unless there was obvious fraud. *However*, in the case of a bad debt, the creditor or collection agency *can* still try to collect from the debtor, via the normal methods of calling and writing. I have heard of banks cleaning out their files of old charge-offs, and sending dunning letters for *twenty-year-old* debts. This is perfectly legal, and they probably *don't* pursue it very hard, because the older the debt, the less the chance of a recovery. (Of course, third-party collectors can be ordered to cease-and-desist from further contact at any time.) Collectors love uninformed debtors, because they are easily intimidated, and may assume the situation is worse than it is. Which is what the collectors are hoping for when they work an out-of-statute debt. But the bottom line is that they have very little leverage at that point, since all the can do is write and call, and continue reporting to the bureaus. CardReport.Com - Credit Tools, News, And Reference http://www.cardreport.com BTW, Christine, If you are still looking for other boards, there is one at my site above.
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