Hi, just wanted to vent a little.
We recently got refused a mortgage. Did a deep dive, and it turned out that it was due to a life-admin screw-up whereby I’d changed bank accounts and an old car insurance direct debit hadn’t been transferred across to the new one. It was our fault, but I genuinely thought the account was settled.
I paid it immediately upon discovery. Turns out the company had emailed me twice in three months, to an old account I never check, and then defaulted me with several credit agencies, resulting in me essentially losing thousands of pounds because I couldn’t get the mortgage deal I was after. All over a missed termination fee that I was totally unaware of.
I took to Reddit for a bit of legal advice and was piled on by countless sanctimonious, angry folk who were quick to tell me it was my fault and that I didn’t have a leg to stand on. They were almost gleeful, with zero empathy or acknowledgement that the consequences of our screw-up were disproportionate.
They all seemed to enjoy telling me I was fucked, it was my fault, and that the company was completely in the right.
Anyway, all I was after was a bit of advice, and I was basically told I was an entitled dick, that I needed to take responsibility for my actions, and that I wouldn’t get anything other than six years of bad credit – and rightfully so.
Disheartened by this, I sent an email to the company, calmly stating the facts, not expecting anything to change. I just received an email from the insurance folk saying that they accept the outcome was disproportionate and that they should have made more of an effort to get in touch before defaulting me. They also offered me £100 compensation.
Anyway, just wanted to share this and highlight how these armchair Reddit legal experts, with their skewed, condescending and misanthropic worldview, have really made me appreciate Lemmy and reaffirmed my decision to stay away from that dreadful platform.
Spoiler : social media can be toxic ! For me, some Reddit users was cool, but they’re generally drowned in a mass of stupid horny people. Only the trauma communities are really good.
I took to Reddit for a bit of legal advice and was piled on by countless sanctimonious, angry folk who were quick to tell me it was my fault and that I didn’t have a leg to stand on. They were almost gleeful, with zero empathy or acknowledgement that the consequences of our screw-up were disproportionate.
They all seemed to enjoy telling me I was fucked, it was my fault, and that the company was completely in the right.
Reddit in general are just really, really and really toxic. No one there is ever happy about someone else having a good time. If you have some problems, they are happy because it makes them think less about their own problems. It seems.
There are zero reasons to ask Reddit for advice, especially legal advice. For legal advice it is highly recommend to do research on your own or ask someone in real life that knows about it. Reddit is a combination of teenagers, middle aged and old people that pretend to know a lot but in fact do not.
Take a look at the communities about relationships, the only thing you will see are comments about ‘‘divorcing’’, ‘‘ghosting’’ and ‘‘take revenge’’. Not one single comment about handling it like an adult and talk things out, therapy or counseling and if someone ever dares to comment that. That person will get downvoted to oblivion.
That’s how Reddit is.
Disheartened by this, I sent an email to the company, calmly stating the facts, not expecting anything to change. I just received an email from the insurance folk saying that they accept the outcome was disproportionate and that they should have made more of an effort to get in touch before defaulting me. They also offered me £100 compensation.
Happy to hear that things still managed to get sorted out and that they admitted that it was a disproportionate outcome and even gave a compensation.
But I do want to give a little heads-up; Lemmy can be really toxic too. The good thing is that the blocklist is infinite and you can block anyone who’s immensely toxic. So bit by bit you weed out the bad people and keep the decent ones.
Thanks - just read a response to this post from another guy and was getting Reddit PTSD! Cheers for being human.
It’s not really Reddit so much as it’s just how other people can be. Lemmy isn’t immune from people.
I don’t know what you expect from people to respond. I’m glad you got your 100 bucks back, but this is your mistakes all along, including not ever checking your credit report, and you are trying to find someone else to blame for the outcome.
It was only when I checked my credit file (which I paid for), when the default appeared. My credit score, which I actively monitored through Clear Score, was (and is) conversely quite high, having literally never defaulted on anything until the mistake I inadvertently made. It was life admin gone wrong and owned that. But you’re exactly the type of person I was referring to.
Interesting that a multi-billion dollar insurance company could acknowledge that “Whilst I believe the outstanding balance was owed, I don’t think our communications adequately explained how this could affect your credit file. For this reason, I’m upholding your complaint.” - but this refreshingly common-sense approach fires the mind of weasels like yourself.
I stand corrected.
Lemmy is dreadful too. We also have trolls, moderators, vegans, Russia-buttlickers, white people haters, and in addition we have those overly positive white fluffy unicorn-people who live in their dreams of sparkles and joy. But at least we don’t have annoying bans here. If you’re banned you can just create another account, nobody would make a fuss over that.
If you’re banned you can just create another account, nobody would make a fuss over that.
Ban evasions are against the rules though. If you’re banned from a community, you aren’t supposed to make another account and continue to participate in it.
Ok-ok. Velma WILL make a fuss, but that’s it. No more consequences:)
No it’s literally against Lemmy rules.
Theres a reason admins have the power to IP ban people.
“White people haters” lol
