Wow, what a vicious thing to say. I for one appreciate any help and advice I get from al the posters on here. You don't have to agree with all advice given to you, you know.

As someone in the very early stages of a TD I value Plasticdaft's advice and experience. He's survived the long haul and has offered much help and support to other contributors. Think your comment is wholly unnecessary fedup.

Thankyou for your kind input Fedup. Given the public nature of this forum I appreciate your right to comment. At no point do I claim to be an expert,my views are my views alone. Having gone through a personal insolvency I feel that people like myself are an asset to this place. The insolvency professionals who post on here are great but to my knowledge none has actually gone through the process,the high and lows and worries that go with it.

If you dont find anything I have to say useful then fair enough,dont read it,but dont expect me to stop helping others.

Paul

As someone who has not contributed much by way of this forum, I for one appreciate reading all of plasticdafts experiences and suggestions, as someone who has gone through the whole TD process and has been willing to share his thoughts.

So, from me, keep it up plasticdaft!

Well said Plasticdaft!

Thankyou for the support.

Just to give a little bit more background to myself I contribute on another insolvency site,which deals mostly with english insolvency(IVA's,DMP's and bankruptcy),and have been a regular poster on that site for over 4 years. I didnt find much choice for a forum when my insolvency started and so registered on the english based site,but recently found this great place.

This site needs all of us,experts from the industry,people like myself and others who have gone through the process,and together we can make a difference to peoples lives,and drag people who are desperate for help out from behind their keyboards,and give them the encouragement to seek help.

The reason I stick around and dont "move on with my life",is that time and time again I read about people who dont understand what they have gotten into or dont know where to turn to for help. If I can help point 1 person in the right direction to get the help they need then my time spent has been worthwhile.

I am not associated to any firm so can only really speak with experience of the firm I used for my own trust deed.

Paul

Hi fedup.

You're entitled to your view, even if others disagree.

I disagree. People often tell us that they really value finding a place where they can communicate with others that are at various stages of dealing with similar issues. That's especially the case when so many people don't feel comfortable talking to family, friends or colleagues about debt.

Plasticdaft has a unique insight having gone through the full process. I value his generosity with his time.

Put real human experience together with the technical knowledge of our experts and I think we have a pretty good mix.

Correct TDA,the site would be nothing without the correct blend of people.

Many people will choose to move on rapidly after a trust deed,and wish to forget all about a low part in their life,but I found the trust deed to be far from a low point,in fact see it as being life changing,having spent years pretending to be in control of the family finances when in fact I was being controlled by the debt.

Paul

Hello
I just wanted to add my tuppence worth Im at the beginning of my TD not even at the protected stage , However when I found this forum was greatly encouraged by people like Paul who were nearing the end , ( now finished ) of a TD , I read every post in the forum before I asked for help , and will always be grateful to Paul and others who have shared there experience for guiding me in the right direction , if not for their advice I almost went to the wrong people , so much so that I actually mentioned plasticdaft to my IP at the first meeting, Thanks Paul I will always be grateful to you and the others who share what they came through , Just to finish Fedup Im glad you are or appear to be in a better position at the moment,However you have forgotten how welcome advice and experiences were when you needed them , my assumption you are in a better place was reached by your comments , as people who are worried or are in need of help do not make comments like you did ,They are to busy praying everything works out for them , and that the advice of the others continues to seeing them through

Kitty x

Thankyou for the kind words Kitty,its much appreciated.

If the insolvency industry was black and white with no grey everyone would get the same advice wherever they went,unfortunately that isnt the case and many people get advice from one source and because they see a way out they jump up and grab hold,and end up 36 months later discovering for example that they suddenly have to find the 5k of equity that someone at the start told them not to worry about!! Or they have to find the 3k for their care that was briefly mentioned by that kind gent who came to visit you at home and made all sorts of promises!!

This forum is about making sure that people get advice,and can even check that the advice they have been given is good advice,and rest assured that if I ever incorrectly advise anyone, TDA and the insolvency professionals will happily correct me(I expect no less).

I dont know it all,but if I dont know something for sure, I will research my comments carefully beforehand.

The last thing anyone wants to do is direct someone who is currently in a frying pan,well,into the fire!!

Paul

I'm not in the habit of being involved in taking sides, life's too short for petty squabbles and suchlike, but I'm going to have to step in here!! We all have our feelings and thoughts on how people portray themselves. Sites such as these are no different. I won't go over Plasticdaft's comments again as, quite frankly, he's said everything he needs to in my opinion. Suffice to say, fedup will have his/her reasons for appearing to be a little prickly: I don't think there is any real malice there, but perhaps just a hint of misunderstanding??
When I first "arrived" on the scene (and I am a TOTAL novice!)I was perhaps the blue print for concern and worry! Life was not good and I was feeling pretty down. Paul (plasticdaft) amongst others (they know who they are!!) gave me the confidence to get things moving and now I'm just waiting for my trust deed to become protected, so I can get on with my life. Now I suppose I must actually thank "fedup" for finally giving me the opportunity to sing Paul's praises for all the really fab comments he has pointed in my direction and as TDA (that should read the "Inimitable TDA" !) points out this lad gives up a lot of his time at least trying to point people in the right direction. So no hard feelings Fedup... Paul is a super lad, who is doing a sterling job: yes our experts are super duper, but Paul can associate with us and has been on the course!
You could do a lot worse than pick his brains, fedup!! No disprespect my friend I don't think you'd win in a vote!! Just treat him like the telly, if you're not keen on what's on view, just switch off!!
All the best.
Toby

Rock on plastic draft , lang may yer lum reek on the forum . I guess all that has been said here points to the fact that it is a open forum and if advice given from the point of view of having been through the whole process is one of those so be it.

I wondered when a comment like this would appear. It's all been terribly civilised thus far to be honest.

Paul's at the same stage as me. Maybe we should graduate from here and start our own forum for those who've passed through discharge and are at the halfway house of having a crap credit rating. We can sit in virtual arm chairs with virtual tea and biccies remembering the days of feeling thoroughly skint and depressed. We can't have virtual wine because we can't face the frivallous expenditure.

People are greatful for what Paul has contributed and if only one person gets the benefit, it's worth it. I've felt better from some of the things he's said and some of the humourous comments. Not many people can laugh at our situation but I feel happy knowing I can poke fun at my situation on here and not be judged.

So Fedup, tell us what you're really angry about. Your comments are so utterly uncalled for it seems clear to me that there is an agenda we have no understanding of. Whatever it is, may I respectfully suggest you keep it to yourself and allow the rest of us to maintain the positive and helpful way this forum operates. Plasticdaft's experience and knowledge of the subject of TDs are invaluable and his input has made a positive difference to dozens of people who may have nowhere else to turn. The rest of us thank you for this Plasticdaft.

FYI this is not what I really wanted to say but I felt that particular comment would be swiftly deleted by the ever-watchful TDA ;o)