Hard copies of the Experian Letter pp1&2

[callumsgran]

yeah you are probably right - I bet there was a huge clamour from ordinary users to get SB made into a mod or helper or something - that must have put some noses out of joint - it's like the bloody playground.

i beg to differ, its mentioned here!

Sorry dayglo but i thought you said in an earlier post you were in contact with him, perhaps i got that wrong? hey it happens sometimes, we're all human after all! well sometimes!

Can we put all this bickering to rest now please, we're not helping anyone whilst we're here fighting?

[Lizzy]

This is so awful. Surly was on here for hours and hours with his free and excellent advice. The letters he wrote for us, his witty explanations, his updates of his on going battles with the CRAs.

 

OK I don't know what the mods have said to Surly. But why can't all his status be returned ? would a warning not suffice ? he can't continue being censored all the time so I understand why he has left.

 

I have read thats it's the site owners that get sued, so now I really do understand the concern we don't want to lose this site. I for one have donated to this site to keep it going and would not like to see it gone.

 

Above all Surlys advice and letters (for defaults) has/will make the most difference to my life. I would rather have had my defaults removed than any bank charges back. With one default on your file you can not get ANY credit at a reasonable rate, no bank account, and especially no mortgage. His template letter and notice got them removed in days. Those of you who have not had a default are blessed and probably wonder what all the fuss is about.

 

Surly you will be very very much missed. Those who are halfway through their battle need you. I hope that you will reconsider. If not I wish you all the very best on your next and continuing mission to right the wrongs of the powers that be.

 

Lizzy

[dayglo]

Above all Surlys advice and letters (for defaults) has/will make the most difference to my life. I would rather have had my defaults removed than any bank charges back.

 

exactly - knowing me I will just blow my bank charge money like I always have done! (know your own weaknesses - it's the first step towards fixing 'em!) but correcting inaccurate defaults, and having to go to court to make it happen - wow that's life changing stuff.

[dayglo]

Sorry dayglo but i thought you said in an earlier post you were in contact with him

 

I was in contact with him - about my test case with the Information Commissioners Office and nothing else. I am not interested in in-fighting, I'm just angry that this situation has happened to the detriment of lots of ordinary folk who were just shown a glimmer of light at the end of the default tunnel - now it turns out that the light was just some bugger with a torch and more fob off letters!

[mstringer]

Un-bloody-believable!!

My personal thanks to everyone who felt the desire and urge to jump in on the act when it is neither their place nor position to do so, to the degree an incredibly valuable member of this "Community" has decided to leave.

I've read through many of the posts over the last 24 hours and the behaviour is just unexplainable. I'm not going to comment on any individual person or posting, those who can reflect on how they handled this matter can do so privately. Nor have I been privy to the deleted postings or "behind the scenes" goings on, but one thing is for certain we went from having an extremely valuable and constructive member of this forum to someone who felt they could no longer be a part of it in a matter of 36(?) hours! Nobody can tell me this was dealt with in an adult like, professional manner.

This looks like a sound off doesn't it? You know what, it absolutely is, oh and you know why because I am seething, I am furious to the degree I have the shakes. Sounds irrational right? WRONG! And again do you know why? Well I'll be kind enough to tell you.

For a very long time I have been on the end of the very negative behaviour of certain banking establishments, placing an unwarranted default against my name. Along with the usual practises of escalating illegal charges etc, I have spent a number of years now setting the record straight with every single one of the corporate bodies I have had dealings with to the degree my payment and credit record for near on 2 years is perfect.. Other than the default!

Perhaps those who have not had the misfortune to experience a default, (it sounds innocent enough right, after all it’s just a 7 letter word...) don’t actually realise how this particular topic affects peoples LIVES. When you see threads like "Default Hell" and "Dayglo gets his life back" those subjects are not over the top look at this type of messages, they are from the heart and state just a snip of what that person has or is going through.

Perhaps people do not realise what its like when a bank wont open a simple account for you, and even if they do you are then not allowed a cheque facility or even a debit card... yes you are treated with such disdain they wont give you a debit card until you prove your worth! Perhaps they are not aware of just how you have to live in this electronic society on a cash withdrawl basis for a year or more just until the bank decides; ok you can have a card to get your money now. Perhaps they have no idea what that feels like to a person or how belittling it is that you’re not even trusted with a debit card to get at YOUR OWN money.

That seemingly small 7 letter word has caused me a lot of pain and all the time I'm thinking I can do absolutely nothing at all about it, I am stuffed for the next 6 years. I cannot buy a house, as soon as the word default is mentioned to a lender its like the plague and you can almost hear the intake of breath before they run a mile.

I don't think I can really convey just how painful it is to have that little word tagged against you, it rubs salt into the wounds too when my circumstances cant be further from the truth, I run a successful small business, my earnings are very good and I have a very stable home life... but to a lender that doesn’t matter, they see the word DEFAULT and its bye bye from them.

Lastly I hit upon this superb site (And personal thanks to both founders whom without this information would not have been shared), and then the insightful information from Surly, elation is not the word, the dark was lifted and I DO have options, I can fight this! What Surly has done for many, many people is give them the tools and information to tackle the deceptive and in some cases illegal behaviour of the banks and give people the ability to take back control of their lives! Unless you’re in the depth of default hell you are absolutely not going to appreciate just how powerful that is.

With the information and actions Surly has started there is a breeze of change in the wind, CRA's are doing an about turn on their previous ways, the consumer is being put back in charge... policy is being changed and the ears of the ICO are now taking note (Albeit slowly and in a rather blinded way) but its a start!

I would like to reiterate my personal thanks to him on behalf of myself and those whom he will no doubt help in the future from his initial publishing’s and postings here. Using the information I have the absolute confidence that it will change my life! Thanks to those who berated him to the degree he left, my most humble wish is none of you have to experience the depth of disappear that the simple.

A plea to the forum founders, moderators and "helpers". Mods and helpers please refrain from stoking this situation any further, it is not helping this at all and leave it now to BF and Dave to respond and them alone! BF & Dave I completely understand your need to act within the law and am more than understanding of legal liabilities, please, for the sake of us folk who really need the advice, tools and support from SB pick up the phone (Not in the physical sense!) and lets get the situation resolved. I am sure nobody can disagree that if SB does intend to stay away, then we all lose... period! And as for he won’t be missed because all the information is already here.... Trash, complete trash, I wont comment further on that point because I am liable to breech a forum rule myself if I respond further.

Folks we have some seriously large corporate bodies out there who are infringing our rights, we do not need to fight this out amongst ourselves as well.

I shall leave the last words to the infamous Rodney King ""People, I just want to say, you know, can we all get along?""

Thanks for reading, I’ve had my 2 pence worth, sorry it was so long

MS

[dayglo]

well - you can't really follow that can you.

[mnrbig]

I think the CRA's are actually going to win on this issue as our knowledge is seriously lacking.

[rustydog]

Hi

I'm very new to this forum, therefore have no idea whats going on, but I will say that my husband and myself had been trying to have a default removed for over a month with absolutely no success and as a result were turned down for a mortgage therefore forced to live with our family in a rented house until we found this website and were very kindly pointed in the direction of Surly's default removal template letter (by Lizzy - many thanks) which we promptly sent to the bank and received a telephone call within 24 hours stating that they were going to remove the default - today they have notified us that it will be gone from the credit file within 48 hours - what a result. Thanks to Surly and his template letter we now have our life back and a chance to buy our dream house.

 

Surly has obviously invested a lot of his time (like many others, I know) and knowledge helping people on this site, so it is extremely unfortunate that he will no longer be available to help many more people in the future!

[mstringer]

rustydog:

 

That is excellent news and I am so pleased you have managed to reverse your fortunes. I hope that one day in the not too distant future myself and my other half can follow the same path as you and your husband and start to actually make a home for ourselves!

 

Best Regards

 

MS

[lickthewallfatboy]

Surly

if you're reading this,and most likely you will be having a sneak peek-you were/are immensely appreciated,even though some of the sentiment expressed in some quarters may cause you to doubt it.

 

You are a total inspiration-no fear and an unswerving determination to stamp out wrongdoing by those who would take great joy in messing your life up if they could get away with it.

 

I for one would welcome your return-the information and time you have provided others with is sorely missed......

 

COME BACK SURLYBONDS!!!

[un1boy]

I agree with the above. Surly you have helped build my confidence and encouraged me to take on these companies that think they own us and try making our lives difficult!

 

Thanks Surly and please come back!

[SurlyBonds]

Surly

if you're reading this,and most likely you will be having a sneek peek

 

Hey, I did say that I would pop back for my mail every now and then... I like to keep in touch with the sensible people. (OhMyGawd... can I say that... ah yes, that's right, becuase I didn't name any particular Muppet in person)

 

Providing, of course, that the consternation about me helping out by phone has subsided...

 

Now, let's see if, in the interests of concilliation, this ever gets through the Mods...

[countrybake]

has surly been kicked off or is it that he has not got his user cp active and won,t post until this is reinstated and if this is the case a bit of a stalemate and there would need to be a mediator so everyone involved can save face forget about what went on and carry on as normal

and everyone lives happily ever after

[deemacperth]

Does this thread really need another tuppence worth?

 

Well here's mine. Surly, I've never had cause for a lot of dealings with you, but I have read your posts and think you're very informed and know your subject well. You do come across as a bit che guevara though and I think a couple of pinks have had their nose put out of joint.

 

Now I am not going to typecast everyone, because I do think a lot of the Mods are there for a reason and know what the hell they're talking about. I just feel a couple of the pinks could be culled. That's my personal opinion though and I'm going to do what SB should have done and keep it to myself.

 

I agree on the point that we need to let Dave and Bf have the final say on this, as much as I respect SB's information (and to note here, I have no problem with his writing style) the site is bigger than one person.

 

My ideal situation? We all get it back on and have a big love in.

 

Dave out.

[un1boy]

I agree on the point that we need to let Dave and Bf have the final say on this, as much as I respect SB's information (and to note here, I have no problem with his writing style) the site is bigger than one person.

 

I agree with this mate.

 

I'm not gonna post anything more on this, think we should all just get on with it!

[Robertxc]

Boring. Pointless. Closed.