We start with a very simple question about car finance involving a VT (Voluntary Termination). We all know that Peterbard, one of the Banned Club members, would have given the OP an answer in one post, but that’s not what the Beagles want, is it? Why one post when you can have 42? Remember, it’s a numbers game and quantity over quality.
It all started out rather well with a one-on-one conversation between the OP and a helpful newbie and it could have stayed that way had it not been for the intervention of their latest addition, someone who signed up just a couple of weeks ago yet he already behaves like he owns the joint. Not an uncommon behaviour in Beagleland as that was exactly how Famous Names such as Eloise and Nemesis started life in the kennels.
The newbie in question is very likely an Open University law student, no need for the likes of Poirot or Columbo to make that deduction, with a name like that and the statements he makes, what else could they be? Don’t you just love it when people who study a bit about law feel the irrepressible need to brag about it? No matter what area of law you study, you always have to study contract law as that’s the basis of everything you do, even when we buy a roll of wine gums, we are entering into a contract. Having said that, contract law is probably not the first topic that comes to mind when you go down the pub or are invited to a dinner party. You are studying law, you have the urge to shout about it from the rooftops, what do you do? You join a forum, of course!
Here the newbie takes advantage of the opportunity to show off his knowledge of Contract Law 101; note how he uses textbook language and keeps repeating “it is my view…” Then, a poster that has been around a few years, advises the OP to wait for someone with a greater number of posts! This was rather funny and, no doubt, deflated the law student’s ego.
Even funnier is when a member of site team decides to tag Tools of all people, who never turns up, and this is followed by another post by the first newbie who was helping out. At this point, the poor OP is thoroughly confused. He’s had a number of contradictory replies as well as some suggestions that he should wait for a) someone with a higher post count or b) Tools. Neither turns up, so he’s stuck with the advice he’s received so far.
Just when he was beginning to feel comfy again, up pops the law student, to brag about his knowledge yet again. This time he’s not only bragging but giving advice to the OP! He even uses the words “My best advice to you…” He must be day-dreaming that he’s running his own practice, otherwise where would he be using those words? Certainly not on a forum! We all know debt advice (and this is a debt, and he’s giving advice) is a regulated activity that requires FCA authorisation.
The above post then gets dissected paragraph by paragraph by the not-so-newbie that was initially advising the OP. By now the OP has had the wannabe lawyer’s “best advice” as well as the other poster’s counter-best advice. What he’s not yet had is the benefit of Legal Beagles Most Prolific Poster, and no thread can be complete without him.
As if the above wasn’t enough, Nemesis then steps in to pass judgment on Rob’s counter-advice, effectively giving counter-counter advice. In true Nemesis style, he doesn’t actually say what’s wrong with Rob’s counter-advice, he merely limits himself to state that there’s “too much of this” (whatever “this” may be) and that “it’s not helpful”.