walktall7
Member of DD Central
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Post by walktall7 on Jun 24, 2014 22:39:16 GMT
Also some information should not always be discussed on the platform if it might make it more difficult in dealing with a distressed loan for AC
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Post by easteregg on Jun 25, 2014 11:05:29 GMT
Could some threads be set so that they could only be seen once logged on? This would mitigate the concern of search engines reading and caching the contents.
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Post by elljay on Jun 25, 2014 17:09:05 GMT
There are a number of options but they all work at board level rather than thread level.
For example we could set the threads within each board to be only accessible to people who are logged in for example, so everyone would see there's a board there but not be able to see the contents if not logged in. That would stop search engines indexing the entire board though.
Another option would be a sub board of each board that again was only accessible once logged in for threads we didn't want indexed.
Not sure either option is particularly pretty...
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shimself
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Post by shimself on Jun 25, 2014 21:15:47 GMT
There are a number of options but they all work at board level rather than thread level. Worth asking proboards pretty please though
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baz657
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Post by baz657 on Jun 25, 2014 21:40:15 GMT
Worth asking proboards pretty please though It's Mr Administrator you'll have to grovel to...
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Post by davee39 on Jun 28, 2014 11:11:27 GMT
I do not invest with AC, but being nosy I took an interest in this thread, and the updates from AH on the AC thread. It was not too hard to break through the asterisk wall and I can see the difficulties faced where a P2P wants to engage fully, but stick to the legalities. Anyone can sign up to this board so restricting threads to members does not help. There are also minefields regarding public information and private business information.
If there was a press report that 'BargainBuys' has entered administration it should be perfectly acceptable to repeat the information and identify the company. What would not be acceptable would be suggestions that the directors of Bargainbuys had pocketed the cash, or that Bargainbuys had defaulted on repayments to 'loansforshops' (or even that such a loan existed).
Perhaps in cases such as this there needs to be an acceptance that careless posting creates issues for the moderators and the heavy redaction leads to meaningless conversation threads.
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Post by elljay on Jun 28, 2014 11:54:43 GMT
If there was a press report that 'BargainBuys' has entered administration it should be perfectly acceptable to repeat the information and identify the company. As long as the report in the press is based on facts I don't see a problem with that as long as it doesn't then go on to identify that the company has a loan with a particular P2x company etc. Can we be clear that you are not implying anything about Bargain Buys Limited, company number 09078846 and that you were just using that name as a made up example (which unfortunately exists!).
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Post by davee39 on Jun 28, 2014 16:02:38 GMT
The company referred to was indeed intended to be a fictitious example. Unfortunately the way some postings are made, had it been initially declared as imaginary, some contributors might well have been trying to determine the true identity.
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pikestaff
Member of DD Central
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Post by pikestaff on Jun 28, 2014 20:13:13 GMT
If there was a press report that 'BargainBuys' has entered administration it should be perfectly acceptable to repeat the information and identify the company. As long as the report in the press is based on facts I don't see a problem with that as long as it doesn't then go on to identify that the company has a loan with a particular P2x company etc. [...] But that should not be an issue if the fact that the company has a loan with a particular p2x company is in the public domain (so much so as to be visible from the p2x company's website without logging in). I have to say that I think the modding on the present contentious case has been extremely over-zealous and I wonder if all of the mods would have taken the same line. I saw nothing particularly objectionable in the thread just closed (although I never saw the deleted post, so cannot comment on that). In the event that AC (or other lenders) come up with proposals about this or any other loan, on which lenders are asked to vote, the mods need to find a way to enable a sensible discussion to take place.
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Post by oldnick on Jun 28, 2014 21:55:28 GMT
A sensible discussion is what we're asking for. Now we have to define what sensible is. Sensible, in the opinion of the mods, is not speculating on what might happen. Sensible can include reporting established public knowledge matters based on proven facts. The fact that this distinction has been repeatedly ignored is why we're where we are. The mods are not prepared to run the risk of being sued so that certain members of the forum can publicly blow off steam or try to out-do each other with speculation.
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Post by uncletone on Jun 28, 2014 22:04:49 GMT
The mods on these forums work together, and discuss any problems that arise. Yes, all the mods take the same line.
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james
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Post by james on Jun 28, 2014 22:05:37 GMT
As long as the report in the press is based on facts I don't see a problem with that as long as it doesn't then go on to identify that the company has a loan with a particular P2x company etc. [...] But that should not be an issue if the fact that the company has a loan with a particular p2x company is in the public domain (so much so as to be visible from the p2x company's website without logging in). I suppose it might be useful for the moderators if we compiled a list of places that do or do not make the information available without login. I'll start with a few in alphabetical order: Assetz Capital: borrower and often guarantor real names available to all including search engines. It appears that all wth an account can get details of status updates of past loans, not just those who lent, though I don't have an account there so someone may want to confirm or contradict this belief. Bondora: not available without an account. Those with an account can see details of any late but not defaulted loans if they are for sale on the resale market. If a late loan is not for sale the details are only available to current lenders, or some limited information to former lenders who sold a loan. Defaulted loans cannot be sold while in default state so information about them is only available to those who have or had the loan. Contracts provide full real name and date of birth for both borrower and lender. Zopa: not available except to those who have a loan, even with an account that is logged in. Contracts can provide more information to participants in a loan.
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Post by uncletone on Jun 28, 2014 22:11:17 GMT
It's a worthy thought, but as I have earlier intimated, you're going to need one heck of a big team to scour all the media and the entire internet in response to every suspect post to ascertain what has or has not already been published, and might be considered to be in the public domain.
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james
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Post by james on Jun 28, 2014 22:13:09 GMT
It's also worth remembering that there are other places where things can be discussed, notably including MoneySavingExpert's forum, though at the time I write this I do not see any reference to any matter of concern here in that place. It is likely to be the best place to discuss issues that are sensitive for the moderators here. Unlike this place it has both an actual solicitor with knowledge of this area on staff, very ample financial resources, paid full time moderators and well used and tested procedures for exercising a right of reply and taking down content.
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james
Posts: 2,205
Likes: 955
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Post by james on Jun 28, 2014 22:16:56 GMT
It's a worthy thought, but as I have earlier intimated, you're going to need one heck of a big team to scour all the media and the entire internet in response to every suspect post to ascertain what has or has not already been published, and might be considered to be in the public domain. That's very easy for posters to resolve, since they can provide links that are easy to follow and can provide direct quotes from those sources in footnotes, while the moderators can also use the general background of which sites make what available for initial triage. There's still a bit of point in using asterisks here in the names of borrowers that have been made public by a P2x site because that helps to keep this place well down or out of the search results for the borrower, though. It would be easy enough to use the published details at a P2x site that makes details public to also determine lots of other public information. However, status updates that might be available only to those who are a member of the site or only to those who have lent would not be completely public information.
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