oldgrumpy
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Post by oldgrumpy on Nov 17, 2017 8:53:02 GMT
Just in case you haven't re-read the documents since my comment in Q & A: OGQ:Retained interest 4 months (page 1 of credit report) or 6 months (page 2 of credit report) ? Please give accurate and consistent details on loan propositions. AC (via e-mail)A:Firstly, thank you very much for pointing this out to us. We really do appreciate lender feedback on such matters and also do appreciate you making us aware of issues. Please accept our apologies for this oversight and we would like to inform you the error has been corrected in the Credit Report and we can confirm there is retained interest of 4 months. ... As your post is more feedback and not a question, we have deleted it to keep in line with the comments received from lenders... Well, there we go ...  |
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Post by chris on Nov 17, 2017 9:24:57 GMT
That is feedback not a question. If you hadn't added that comment to the end then the lender team wouldn't have had any reason to delete the question.
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Post by Butch Cassidy on Nov 17, 2017 9:32:22 GMT
That is feedback not a question. If you hadn't added that comment to the end then the lender team wouldn't have had any reason to delete the question. I'm sure they would have found an excuse; lenders want honest, accurate & transparent CR's which I don't think is asking too much & until AC consistently provide that the Q&A provides an opportunity to correct the record for ALL LENDERS to see.
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Post by chris on Nov 17, 2017 9:38:37 GMT
That is feedback not a question. If you hadn't added that comment to the end then the lender team wouldn't have had any reason to delete the question. I'm sure they would have found an excuse; lenders want honest, accurate & transparent CR's which I don't think is asking too much & until AC consistently provide that the Q&A provides an opportunity to correct the record for ALL LENDERS to see. I've long stated that if any lender can show that a question has been unfairly deleted then either myself or andrewholgate will investigate and get it reinstated. Every single example forwarded to me thus far included personal commentary or opinion either disguised as a question or alongside the question. The Q&A is for questions and answers not for lenders to broadcast and discuss their opinions, allowing lenders to do so dilutes the purpose and effectiveness of the Q&A. The correct forum for calling on honest, accurate & transparent credit reports is via the various communications channels provided to the lender team. That way they are collated and presented back to the management board as a consistent theme or complaint that needs addressing.
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guff
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Post by guff on Nov 17, 2017 9:40:04 GMT
Retained interest 4 months (page 1 of credit report) or 6 months (page 2 of credit report) ?That is a question not feedback. The supplementary feedback is irrelevant and you should not conceal what you have admitted is erroneous and potentially misleading.
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Post by chris on Nov 17, 2017 9:45:22 GMT
Retained interest 4 months (page 1 of credit report) or 6 months (page 2 of credit report) ?That is a question not feedback. The supplementary feedback is irrelevant and you should not conceal what you have admitted is erroneous and potentially misleading. If that was all that was asked then it wouldn't have been deleted.
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Post by Butch Cassidy on Nov 17, 2017 9:58:56 GMT
That is a question not feedback. The supplementary feedback is irrelevant and you should not conceal what you have admitted is erroneous and potentially misleading. If that was all that was asked then it wouldn't have been deleted. There is simply no need to be so pedantic; the OBVIOUS SOLUTION is to answer the substantive question & partially delete any commentary or opinion - everyone is satisfied & no one is misled.
As for you or AH reviewing this sort of thing that is just ridiculous; lenders can provide a long list of better & more useful activities for you both to be spending your valuable time doing if your current duties are not sufficient to fill your time.
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Post by chris on Nov 17, 2017 10:02:35 GMT
If that was all that was asked then it wouldn't have been deleted. There is simply no need to be so pedantic; the OBVIOUS SOLUTION is to answer the substantive question & partially delete any commentary or opinion - everyone is satisfied & no one is misled.
As for you or AH reviewing this sort of thing that is just ridiculous; lenders can provide a long list of better & more useful activities for you both to be spending your valuable time doing if your current duties are not sufficient to fill your time.
Lenders complain when questions are edited or "censored" as they often put it. The obvious solution is for lenders to follow the very clear rules of the Q&A system in the first place. They have to expressly agree to those rules before posting anyway. As you say there are other things I need to be focussing on so I'll bow out of this discussion now.
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oldgrumpy
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Post by oldgrumpy on Nov 17, 2017 10:03:14 GMT
That is a question not feedback. The supplementary feedback is irrelevant and you should not conceal what you have admitted is erroneous and potentially misleading.
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edward
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Post by edward on Nov 17, 2017 10:16:22 GMT
Could not agree more. Really disappointed with AC attitude.
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ianj
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Post by ianj on Nov 17, 2017 13:20:53 GMT
If that was all that was asked then it wouldn't have been deleted. Whatever the reality from, AC's perspective, 'percecption is everything' and it's quite obvious from the numerous comments to be found on this forum that it's perceived by many that the a major reason for deletion of pertinent questions just might be to minimise negative perceptions amongst a wider audience. Unless, andrewholgate , chris , you can say with total honesty that your blood never boils when you hear politicians avoiding sensible, but possibly embarassing, questions then we must all assume you well appreciate exactly why your prevailing attitude is not received with any enthusiasm.
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Post by chris on Nov 17, 2017 14:00:41 GMT
Pedantic stupidity. Just get your staff to answer the question (for everyone, not just in an e-mail to the questioner) and move on. Get real Chris. You and Andrew should not even be wasting your time on such triviality. Really!! Whatever the reality from, AC's perspective, 'percecption is everything' and it's quite obvious from the numerous comments to be found on this forum that it's perceived by many that the a major reason for deletion of pertinent questions just might be to minimise negative perceptions amongst a wider audience. Unless, andrewholgate , chris , you can say with total honesty that your blood never boils when you hear politicians avoiding sensible, but possibly embarassing, questions then we must all assume you well appreciate exactly why your prevailing attitude is not received with any enthusiasm. Having founded it in the first place AC still actively support this forum by authenticating lenders for the pink pages promoting discussion on all issues and loans. Whilst we unfortunately rarely directly engage in discussion these days the forum is still read from time to time by various directors. We also have a lender desk waiting including live chat facility in order to deal with any queries lenders have when addressing issues such as this. Rightly or wrongly it is company policy that the Q&A is for just that and it's strictly enforced by terms and conditions that all participants in that forum have to agree to before they can post. If lenders stick to those terms then we do not delete their questions. If a lender posted a valid question and then followed it with a stream of swear words I doubt there would be cause for complaint were the question removed, so we're all in agreement that a line has to be drawn somewhere and that questions the wrong side of it should be removed. Helpfully we've published where that line is and all lenders agree to it as part of making their first Q&A post. Perhaps one day we'll provide a discussion forum or similar directly on the site and if we do then we will be actively providing that discussion channel for lenders. That is a decision the business will need to take. In the mean time the Q&A is not that forum. Now I really have to get back to work!
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oldgrumpy
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Post by oldgrumpy on Nov 17, 2017 14:32:21 GMT
So as we are being pedantic to the extent of not adding a relevant answer to the Q & A at all purely because of a short supplementary comment on the question, let us all hope that AC and its office team will be equally pedantic about proper proof reading of all credit reports, making sure all facts are accurate, correct and not self-contradicting. (No AC reply being fished for ) |
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guff
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Post by guff on Nov 17, 2017 14:44:30 GMT
Did you ask the question again with no extraneous text?
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oldgrumpy
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Post by oldgrumpy on Nov 17, 2017 15:19:58 GMT
Did you ask the question again with no extraneous text? No, MrG, because by the time AC informed me of the answer, and their expungement of the question, the credit report had been corrected, making the question redundant.
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