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The only difficulty with having such a large site is it is difficult to get more one on one tailored advice, and sometimes people can post in a few places on the site for the same problem and get overlooked, especially with urgent complex problems. unless you keep bumping your posts up you can get lost in the masses of posts.

 

we do have the warning triangle to the left to use, not only to report a post but also to get a person the urgent advice that is required, it does work well, and the site members are very efficient.

 

We also have a chat room which is often used for banter, but also for direction for new members, and they are not always pointed toward CAG, only last week a person came in looking for advice re a parking ticket so was given numerous links to sites, to enable them to get the help required.

 

There is also the pm system which can be used to alert a certain member too a new thread on which they are thought to be able to give the best advice. Although advice is requested to be posted in the open forums and not via pm.

 

All in all its a very efficient site that has worked well for thousands of members :)

 

I truely believe that Gez whether inadvertanly or not, has not removed the RUC members comfort zone but rather has given them an opportunity of a "buffer zone" whilst they feel the loss of a community, which can only be described as a sad situation.

 

Please do take a look around and you will see just how much one to one advice is given, and the dedication of our site team.

 

Settling in periods are often easier for some than they are for others, but we were all new members to whhich ever site we chose at one point ;)

 

and welcome to CAG by the way :)

honey x

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Honey, not wanting to go into any cross banter or sillyness, but are you talking about CAG or RUC ? (I know they have/had a chatroom)

I agree with the fact that people can hit the red triangle rather than bumping the post but they are not always aware of this.

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Come and chat with us here (NB: External site NOT affiliated with CAG)

top of the forum and i think the (NB: External site NOT affiliated with CAG) speaks volumes in ths situation ;)

which also links too an independant site, but is used by us aswell as :)

 

honey x

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Honey, I do know who owns this site and the "external" site.

Apologies for bringing this up but it is registered under Reclaim the Right Ltd not under an individual person.

CAG is London address and the external one is Dave's I believe(as I know which part of the country he lives in).

I may well not fully understand the meaning of the word external site. For reference only, it is a site with no connection in terms of ownership to this site. If that is not the correct definition PLEASE correct me in terms of the definition.

I have used RUC chat and spoke to someone within their chat room about coming back here. Thanks Sharon7 for the advice.

 

*****Please can I ask no one gets into sniping please. I am merely stating my own research********

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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the post was to make new members aware that there is somewhere available, not the ins and outs of connections.

We here are grateful that we have the use and have been helped immensley at times. Better use of time may be the answer to the problems brought to light here, as there are many out there on this forum in need of guidance and help as we type :)

 

take care

honey x

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These are times of change in which progress could be made to bury old emnities. That is the common goal.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Let's hope this thread of what appears to be a certain reconciliation leads to further progress with regards to CCS and LB. At least we all understand each other which does make a change;)

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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site politics and the ins and outs and what fors are of no concern to me to be honest, i know im comfortable here with friendly knowledegable people and thats good enough for me :)

 

so thanks to all at CAG :)

 

and welcome to all new members from RUC :)

 

views have been aired and people welcomed :)

 

honey x

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See Michael Browne's post page one then you will understand why I have posted what I have posted.

I don't do site politics anymore. I have known the victims of this site and other sites but I do think that when you begin to work together you can achieve so much more. I have said my peace.

I guess my scepticism wins again for me personally.

Anyway, I came here to help posters and this window of opportunity arrived. I'm off back to the main forums to do that.

Good Luck to the RUC guys and gals.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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i think it is a bit hard to contemplate anyone being a "victim" of this site, or (for that matter) any other reclaim site. I mean, how exactly is CAG or LB or RUC supposed to do to "victimise" people? The most a site like CAG can do is ban people, and that isn't even on a par with a playground bully who can thump you.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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i think it is a bit hard to contemplate anyone being a "victim" of this site, or (for that matter) any other reclaim site. I mean, how exactly is CAG or LB or RUC supposed to do to "victimise" people? The most a site like CAG can do is ban people, and that isn't even on a par with a playground bully who can thump you.

 

hello babe good to see you about again :)

 

I dont think anyone willing to give up their time freely to help in these situations, would actually set out to make a victim of anyone :)

 

honey x

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I'm glad you're clearer on things now YourBank. Anyone and everyone is welcome on CAG whether they need help or wish to offer it. All we ask is that they stick to the rules which are there to ensure the smooth running of the site to make sure it's around for a long time to come.

 

As for our "victims". I hope we have victims. They're the banks and companies who have victimised us by their unlawful and unfair behaviour, and are now having to account for their actions.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Tom, victim maybe a bit strong a term but there are people who have felt used and abused so to speak. Glad to see you only picked up on one word.

I thought the last 8 words were perhaps the best ones.

 

 

EDIT: to be clear. I know nothing will change.

It takes courage to change and courage to bury old hatchets.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I have not posted on this site for about 18 months now, but I am about to break my silence.

 

I am about to tell you why I think CAG would be incapable of working with the other sites.

It is about glory.

 

Lets look at a bit of history.

 

One of the earliest sites to bring the bank charges issue to light was a great forum Bankchargeshell. A very friendly informative site.

They didn't originally have a forum, but a mass email facility which sent the latest contributions to all subscribing members.

Two of the members then decided to start the Bank Action Group - later to become this site.

It was publicised via the email facility of BCH.

 

At first the site was very welcoming to the members and was a mine of information- it still is.

 

However, that was to change as the site grew.

If a member posted something that disagreed with the advice in general, they were over-moderated, belittled and basically treated with little respect.

New members who dared to ask a question that had been asked months before were berated and many didn't hang around.

If a new member on the other hand were to find a post from a while previously and added a comment, they were met with comments like "Why have you brought up this old post " etc.,

They couldn't win.

 

I endured this on a personal level.

 

As an admin member of saynotoyes (now carcreditcomplaints), myself and other team members offered to help with any threads that fell within this category.

In turn, we sent our members here for bank related issues.

At first, all went well, until a mod ( now no longer registered) posted libellous comments on our posts.

 

All posts/threads after this were either edited or deleted.

It is sad that after this, the relationship between the sites broke down.

Soon after, many CAG members grew tired of the site and formed breakaway sites and although it can be argued they havent really been as successful as CAG, they remain much friendlier.

 

This has really been the problem with CAG.

 

For a site that is for everybody, it will only tolerate the opinions of the few.

 

Very sad, but true.

 

Buzz.

Edited by buzz
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:) i can hand on heart here say this is something that i have not endured personally on this site, as with any new member, there were people that befriended me and helped me to get on my feet so as to speak :) and to all of those people i will always be grateful.

 

I hadnt realised that this was an "airing your dirty washing post" but rather thought of it as a support to people that are floundering in the world of bank charges, and loosing a comfort zone, and therefor CAG , and its members and team, offering a hand of friendship at their time of need is only to be commended surely :confused:

 

take care and good luck in all you wish too acheive :)

honey x

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Hi Honey,

 

My intention isn't to use this thread to air my dirty washing, but rather to give my opinion to other posts in the link regarding the suggestion that these sites might work together.

The proof is in the legal bagels link, which links to Disneyland.

Obviously a bit juvenile.

 

 

I am the first to agree that CAG still is a very good site in content, second only to MSE.

 

I made many friends in the early days of being a member.

I even went on my local radio on a phone in show and publicised the site.

They added a link to their web page.

 

The proof at the top of your page showing the amount reclaimed shows how good the site is. There is no denying that.

 

However, the friendliness is no longer there, which still exists in the other sites.

 

I for one will definitely mourn the demise of RUC.

 

Buzz

Edited by buzz
Grammar and Spelling !!!
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again i would have to beg to differ sorry im not being argumentative at all, but maybe if people concentrated on the matter in hand as opposed to whats gone before things will work out well :)

 

There are always going to be differences of opinions within large communities, but from what ive seen on here when there have been they have been sorted amicably within the post itself :)

 

honey x

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I have not posted on this site for about 18 months now, but I am about to break my silence.

 

I am about to tell you why I think CAG would be incapable of working with the other sites.

It is about glory.

 

Lets look at a bit of history.

 

One of the earliest sites to bring the bank charges issue to light was a great forum Bankchargeshell. A very friendly informative site.

They didn't originally have a forum, but a mass email facility which sent the latest contributions to all subscribing members.

Two of the members then decided to start the Bank Action Group - later to become this site.

It was publicised via the email facility of BCH.

 

At first the site was very welcoming to the members and was a mine of information- it still is.

 

However, that was to change as the site grew.

If a member posted something that disagreed with the advice in general, they were over-moderated, belittled and basically treated with little respect.

New members who dared to ask a question that had been asked months before were berated and many didn't hang around.

If a new member on the other hand were to find a post from a while previously and added a comment, they were met with comments like "Why have you brought up this old post " etc.,

They couldn't win.

 

I endured this on a personal level.

 

As an admin member of saynotoyes (now carcreditcomplaints), myself and other team members offered to help with any threads that fell within this category.

In turn, we sent our members here for bank related issues.

At first, all went well, until a mod ( now no longer registered) posted libellous comments on our posts.

 

All posts/threads after this were either edited or deleted.

It is sad that after this, the relationship between the sites broke down.

Soon after, many CAG members grew tired of the site and formed breakaway sites and although it can be argued they havent really been as successful as CAG, they remain much friendlier.

 

This has really been the problem with CAG.

 

For a site that is for everybody, it will only tolerate the opinions of the few.

 

Very sad, but true.

 

Buzz.

 

 

Thank you for your reminders of history Buzz.

I think there are many people aware how CAG was started-Marc and Dave seized upon an opportunity that most people would have done given the insight and chance.The fact that there are now close on 200k members bears testimony to that.

You are entitled of course to have your own opinions but to me it looks a teeny bit one sided.

I cant recall new members being berated for bringing up old questions..of course there may have been some instances but I cant remember it being a big problem-if it had of been then it would have been discussed.

Despite what you may think there has to be some organisation and teamwork to allow a site like CAG to grow.

Any site with 200k members will have some of the elements of discontent that you speak of I think if the truth be known the other sites probably have ALL had their share.

Its strange that the resentment of the running and administration of CAG for some only came after it was made clear to them that they were not welcome

If the site has lost its way so much-then why do so many of those who chose to go elsewhere now find themselves back here after looking at life on the other side of the grass ?

 

You state CAG would be incapable of working with other sites-and yet CAG has maintained a good rappore with the sites that are considered to be worthy of collaberation with.

 

You fail to mention that there are reasons why it would be difficult to enter joint cooperation with some of these other sites,whether it be because of the ways in which they operate...or whether there are individuals or groups who have themselves shown contempt to be a part of CAG in the first place.

 

Yes opinions and thoughts are ok to air-but if we are going to do that then lets not be so uneconomical with some home truths.

I dont think they need to be spelled out.

Edited by MARTIN3030
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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin, i can understand why people would resent CAG if it were made clear to them they are not welcome. But I do agree that both your post and Buzz shows quite clearly why there is no real prospect of cooperation between some sites.

 

Sigh.

 

what a pity.

 

Can we get back to topic now?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I think this proves all the more why its a shame that RUC is closing its doors.

 

Not everyone likes to use such a huge site. Its the main reason I didnt stay here and went on to find RUC in the first place. That is in no way meant in a detrimental way towards CAG.

 

As for politics, well I dont know what went on with all the other sites and why there is hostility between some. Also, I dont care. I cared about helping people get their money back and nothing more.

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Gez/smasher has already stated that RUC will remain closed what more can be done than accept his decision and welcome as many members that are happy to be here?

If they arent happy here then as stated there are other forums which do try their utmost too :)

honey x

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