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     | Thursday, February 17, 2000 - 11:53 am  1) You may anonymously post any question in a "New Conversation" in the appropriate section. Example: Please post comments on the Forum in the "Problems? Comments on Forum" section. 2) When posting a response, please do NOT respond just because you're bored and feel like typing even though you know nothing about the topic. Example, posted by Anonymous in response to somebody who is asking for alternatives to bankruptcy: "Every time someone drives by me in an Expediton or Navigator I can see it in their eyes: "I'm young, wealthy, and I look it, so there". And, while I go on my way in my old Caravan I think: "Yea, buddy, I hope you never lose your phony job propped up by a phony economy". A lady on our drive has a Navigator and she makes $8.50 an hour. Her husband does construction. Shame on the bankers!!! Unless you come upon a big chunk of cash quick I would think a BK lawyer will be making enough from you to make a half-payment on his/her Navigator." This type of posting is absolutely NOT helpful or appreciated. If this Anonymous wants to discuss consumerism and lending practices, s/he should start a new topic with that name. And, using the real name would be appropriate. I considered requiring a verified E-mail registration, but since so many readers are new and confused about the net, I'll wait for now. 3) This is a CONSUMER RIGHTS Forum. I don't want people discussing spelling, word use, etc. Unfortunately some just cannot comprehend that this is a privately financed and operated forum or they simply have no respect for private property. As the regulars here know, I got very fed up with some of the people posting here. First I thought I'd just go away and leave the Forums running. But that didn't work so well. Not only did I spend at least 40 hours dealing with upgrade problems etc. just this last week, but I also see no point in treating this space as a public newsgroup. I don't need my name on it if I'm not here. And I certainly don't want bad advice and PRO CRA postings littering a forum that I run. I'd rather have only two postings a month and answer them well than 20 postings a day with lots of trash. Of course I appreciate the many postings and E-mails asking me to continue the Forum. Many pro's have contributed to make this a valuable resource, and I hope you will continue. I'll give this another try. I may change things. I may shut the Forum down. For many personal reasons I would like to keep it going, but I have three main objectives: 1) Provide *QUALITY* resources for consumers as well as the pro's 2) Expose the corporate practices of specifically targeting the poor and ignorant with the intend to defraud and deceive and literally steal whatever they can. 3) Expose the US government support of those business practices. I don't believe that anything will change for the better, but at least the public should know. And if you don't know what I'm talking about, read http://www.bayhouse.com/transamerica.html and http://www.bayhouse.com/FICO.html I happen to LIKE those "losers" who have never used a computer, have never seen their credit report and don't know that Credit Scoring exists.
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| | Thursday, February 17, 2000 - 06:31 pm I think you should just shut it down. By hosting an openly biased site, you are doing your cause more damage than good. You make it easy for your detractors to just dismiss you out of hand. Only in an open forum, where people ARE allowed to state a point of view that is contrary to what you want, is there credibility. This isn't about "private property". Anyone who thinks a publicly accessable web page, which allows people to modify it's contents, is somehow protected from people who will come by and troll (ala your first example above) is simply kidding themselves. If that's what you want, then you need to make the page STATIC, and disable posting all together. That, or apoint moderators, who will approve all posts made to the site before they become visable. It's that simple! As long as you rant, and rail against those whom have had the bad taste to do nothing more than disagree with you, you will not be taken seriously. If you'd like to see a GOOD example of a forum that has both moderated content, and open posting, look at slashdot. Slashdot can be found at http://slashdot.org/ and is not a credit site. It's a news site for techies and geeks and nerds, as the site itself proclaims. The software that it uses is also freely available by the way. Wouldn't cost you a nickle! Have you ever considered the hit your personal credibility takes everytime you nuke a user for no REAL reason other than you don't like them? Think about it, if you really can be unbiased for a minute or two.
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| | Thursday, February 17, 2000 - 10:48 pm You post anonymous. You're nobody. Nothing you post has any meaning. There's no point to even read your posting. I only read the first and last sentences. Bye Bye!
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| | Friday, February 18, 2000 - 09:59 am You just proved that person's point! Grow up, and consider getting help for that ego of yours.
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| | Saturday, February 19, 2000 - 11:01 am I'm soorry you felt that my post to "Confused" was inappropriate. What is interesting is that I have received 4 responces from people saying they were thinking the same thing I was. I simply posted the way that I saw it. In MY OPINION the guy is overextended (and was this way before the wife lost the job). I simply made suggestions on how he could cut more corners and maybe not get in the same situation again. In another sense, you made the same comments (with different words) abou never buying a new car. I very seldom post because of the constant little bickering going on. Well, count me out. I won't post again, nor will I visit this site again. I can see this is breeding ground for WWIII. I came for information, sharing of stories, and adult conversation. I did not come for Babysitting, bickering, name calling (I realize you don't call name, but it goes on with the above stuff, and power struggles. Kathy
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| | Saturday, February 19, 2000 - 11:59 am If Kathy's response was not appropriate, then this is not a discussion forum. Period. I will keep you in my prayers Christine. I was initially impressed by your forum (much to the prodding of Kristi Feathers), but I no longer feel that way. (save the responses since I know none of you care) Hence, I will go back to the dysfunction of CreditNet's BBS, where at least they are not into rampant censorship. Heck, even in my own pitiful attempt at a forum, I have never had to censor or attack a user. After being here only 2 weeks, I see maybe 6 actual people helping others out.(and maybe 3-4 that actually use their real name) The rest of the time it is arguing about forum rules. I imagine what you are really after Christine is an enviroment of LAN, where you are system admin, and you can control the actual use and content of the network. But in reality this is a domain freely accessed by the masses that have web browsers. So, if you want to control the discussions, users, and agendas... then I suggest (just a personal suggestion, not to be confused with advice) you take this site off the net. Or at the very least turn it into a "members only" venue. This way all the regulars will have a place to come to help themselves and the casual creditnik will know to go elsewhere. I know we are all humans, each different in nature. I can accept that. But, I like to follow the motto of "putting principles above personalities" in my personal and professional life. This is not being done here,(I am not sure I see anything but personalities here.) and this forum has become a negative experience for me. So in order to maintain some sense of serenity, I will simply move on. A special note about freely giving advice in forums. VK had spanked me for my advice to L&C ealier, pointing out that others reading that advice might make the dire mistake of taking it. Well in all due respect, I only share my experiences, and do not give advice. I merely give suggestions. A warning to anyone giving "advice" on forums or chat rooms or owning said domains. If the person you are responding to makes a printed copy of your post, and follows that advice, and the situation blows up in there face causing further hardship... you most certainly are liable for damages.(VK...Internet Law is the place to be) There already have been Site Owners, Posters in Groups, and ISP's successfully sued over erroneous information being given in these so called public forums. Christine at the very least you may want to file for L.L.C. (just a personal suggestion) Best of luck to Bayhouse.com. And thanks for the previous help. Keep up the good work KF. Peace, Barry Noret CreditMania.com Inc.
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| | Saturday, February 19, 2000 - 12:46 pm Barry: It certainly saddens me to see you go. You are one of the most generous souls I have ever had the pleasure of meeting. I brought you here because I know just how caring and kind you are to consumers because of your own personal struggles with credit and the CRA's. I only wish you had ,had a better experience. I don't make the rules here of course and only come to help others were I can. I have looked through many sites that have discussion boards and have never found a soul as caring as Barry. Thank goodness I can still speak with you because we are in the same arena but I think others will truley miss a gift! Kristi
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| | Saturday, February 19, 2000 - 01:29 pm I hear there's a great brand new consumer credit advocacy site going on over at BCCIC. Discussion forums without all the moderating, censorship and personal attacks.
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| | Sunday, February 20, 2000 - 05:59 pm rcb (aka Ron Bleiak): You are fooling no one with this attempt to send people over to your site.
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