Glow in the dark stars on ceilings business

[Matt Quinn]

Yes I would ignore it, but I dont see why I should lie down for this nonsense which potential customers for my business might see as damning, albeit through innuendo. Matt Quinn's remarks are downright libelous, accsuing me of things from running up the national debt to being a loan shark, and not polishing my shoes before I go out.

So sue me! I accused you of none of those things. I said that lending money at the rates you do makes you a "Loan Shark". I also said that selling 'tat on tick' makes you a Spiv.

You admitted to both those activities prior to my labelling them. You don't like the label? fine? Sue me!

However as we're talking about libel.....

"I can just imagine them peeking through their curtains at the car parking in front of their houses and seething with anger at the affront, or ringing up the dole to report a neighbor who is claiming benefits and working on the side."

I take the open suggestion that I 'stalk' my neighbours (a criminal act) quite seriously.

As it happens I need not worry about cars parking in front of my house. It's physically impossible to get near it without coming onto my property. As for the neighbours? We can't actually see their house; it's half a mile away over the open field onto which my study window looks. However he does run this business: http://www.kirknewtonestate.co.uk/ and this one http://www.maximillion.co.uk/ So I expect he's a really dodgy character and will be onto the DSS first thing

...I never mentioned your shoes or the national debt.

But before you go trotting off to the lawyer spend a little time researching the type of programmes I produce. Yes there are a couple of music documentaries in there, and it's for them I'm best known. there are also many investigative pieces.

Potential customers for your business SHOULD see this a damming; it's a damnedible business! Perhaps if you were to find yourself the subject of an investigative TV or newspaper piece that would bring your activities the attention they deserve?

You see Crewgirl I actually AM trained and qualified in what IS a legitimate profession. Neither my name, location or business details are 'hidden away' on my website. And my rack record is researched relatively easily by anyone with access to a search engine.

Part of my skills group in knowing the law, at least as far as it extends to what one can publish and what one can't.

The law 'allows' you to label your first aid box how you like. I say that preying on the poor and hapless is predatory. I'm unsure whether your deluded or dishonest when you claim that your clients are as financially aware as you'd like to paint them. No matter how much you twist it, is the fact of what you do. Your claims that the people you target are 'cannny' is either dishonest or delusional. If they were canny or even just had the most basic financial awareness they'd know there are alternatives.

A shark is a predator on the weak and unwary, you are a predator who provides loans... You are then, madam, a loan shark.

That is crap, i never lie to get sales

"The aim of your first verbal contact with the potential customer should be to create a small amount of confusion by using words that he/she doesn’t understand.

Well I suppose that claim rather depends on what spin you place on the word "lie". The words above in light grey are your own Crewgirl. What you are advocating is dishonest.

 

[Matt Quinn]

On the other hand, i like the stary night and if i had the money i would love it in a garden room. I love stars and i wished at school i could go to space, so i guess its as close as i could get. I think its good that you didnt take any extra to get on credit too. Hope the 5 customers really like your work

Well Pash, you obviously have an artistic nature. Why not DIY it?

 

[pash]

Well Pash, you obviously have an artistic nature. Why not DIY it?

Thanks Matt I think i might do, i just need the garden room. I i ever get one large enough then your all invited to come on a trip to space

 

[clarence]

I haven't been involved in this as it's far too long and on/off-topic, but I would agree with something that has been mentioned earlier. Regardless of whether this is a good or bad business, I think that some of crewgirl's replies have been downright rude, and she seems to have no respect for many of the other members.

She posted a question about her new new venture, but shows a link to her existing business so naturally people are interested in both, especially as she mentions linking the two. She should therefore be aware that some people will comment on her other business, which seems to be the one people have ethics issues with.


Now bearing in mind this is a public forum, which as someone has pointed out, is picked up on google etc, I don't think some of crewgirl's responses will do her business much good if a potential customer were to search for it in a search engine. All her comments on here have the potential to be picked up by a searchbot (or whatever they're called :|) for all the world to see.

What I'm saying is, please think very carefully what you say on a public forum. It's not like having an argument at home/in your office etc. It's on the world wide web and once it's there it can't be deleted, and even if it is, somewhere it'll be stored and could easily come back to haunt you.

Crewgirl seems to have been on the defensive from the start, and it seems that from her comments many people here have taken a dislike to her, which is not very helpful to a potential customer is it?

 

[BusinessIdeas]

I have been trying not to get involved ont his one, but I have to say that the above is absolute b*ll*cks.

This is the UK, we have a welfare system. If there is a front door to knock on then noone there is starving, The loans don't put food on the table, they put non-essentials on the table.

Don't tell me I don't know what I'm talking about, I grew up on council estates and in childrens homes.

A lot of "these people" are financially illiterate and don't realise how badly they are being taken advantage of.

I agree with the first part of Duanes post. Its not about putting food on peoples tables, they often spend the money on a washing machine thats broken down or car repair, some just borrow repeatedly and fritter the money, some just spend it on drink or gamble with it. Im sorry Duane but I cant agree with the fact that my customers are financially illiterate. I see my customers every week so I know them very well, and I cant honestly think of even one that I would class as financially illiterate. You are quite welcome to come and see this for yourself. I will take you round to all of my customers and you can judge their intelligence for yourself. I also grew up on a council estate, and I think in those early days I would agree about the financial illiteracy among credit customers being widespread, but not these days. They might not be aboe to work out APR but they can certainly see what percentage per £100 they are paying. It is all very very clearly put to them in print as well as spoken, beleive me none of my customers are that stupid.

 

[BusinessIdeas]

i would just like to add this: Even if it were true that people were being taken advantage of by so called "doorstep lenders" What is the worse that is going to happen if they dont pay? the answer is - NOTHING- they just dont get extended any more loans by the company they defaulted on - thats it - so they dont get any further into debt and no ongoing interest mounts up on the balance they have defaulted on.

 

[Matt Quinn]

i would just like to add this: Even if it were true that people were being taken advantage of by so called "doorstep lenders" What is the worse that is going to happen if they dont pay? the answer is - NOTHING- they just dont get extended any more loans by the company they defaulted on - thats it - so they dont get any further into debt and no ongoing interest mounts up on the balance they have defaulted on.

Locke wrote: In my line of work in the past i have had to gain entry to properties with a warrant from the courts a power company representative and gas or electric fitter due to unpaid bills to change the meter to a card meter so no more debt can be ran up.
At present if i wanted i could be doing over 20 properties a day 5 days a week every week because debt levels are so high.This sort of loan selling doesnt help.
When huge amounts of people cant pay basic bills like fuel bills you know something is wrong, also levels of crime are way up on last year with an unbelievable amount of break ins at present most likely due to rising debt.

 

[iklemiracle]

some just borrow repeatedly and fritter the money, some just spend it on drink or gamble with it.

Crewgirl, this is you talking about YOUR 'clients'.

I believe that I not only speak for myself but I am sure for maybe many other people that have taken offense' to your justification of your 'business' and ethics.
So much so they (including myself) endeavored sincerely to 'educate' you that in the main those of us that do business, do it with a clear conscience.

You freely described to us above an example of what sort of lifestyle they may have and the reason they 'repeatedly' are YOUR customers.

In the council estates I grew up in and around, the only people who would 'prey' on the shortcomings of others were those people we have all too sadly become familiar with. - These people are known as drug dealers. Feeding off the weak who resort doing 'anything' to feed their 'habit.' So you may be right when you say they know exactly what they are getting themselves into. But, It still does'nt make what you do justifiable or RIGHT.

What you do for a 'living' is simply adding to these peoples problems.

Quite categorically you are in no way offering a solution.

Crewgirl. Sincerely, I urge you to re-think your desire to justify what you do. Read through every comment objectively. It could just be the biggest favor you could do for yourself.

So instead of coming back with retort after retort, can I suggest you bow out gracefully at this point to reflect on the sincere comments of many respected people in this forum who have been affronted enough to take the time and trouble to educate you. They have not slandered you, and no one here is picking on you. You invited the comments yourself, so why not spend some time reflecting on them whilst asking yourself the tough questions you need to.

Its never to late to change. You just have to want to.

 

[BusinessIdeas]

Im sorry but this is ridiculous. I agree that debt is high in this country but doorstep lending is responsible for a tiny % of rising debt it wouldnt even show on a scale of one to ten when credit cards are taken into the equation. I really hope you can find something more significant to comment on Matt this aint worthy even of your cognative skills.

 

[BusinessIdeas]

Crewgirl, this is you talking about YOUR 'clients'.



What you do for a 'living' is simply adding to these peoples problems.

Quite categorically you are in no way offering a solution.

.

Yes I am talking about some of my clients and some of the people that run up debts in other ways. Its called being honest. Maybe I am not offering a solution, but think of the consequences of these poeple being driven into the arms of the real loan sharks who are not regulated and who would take a much stronger approach to recovering their money. Matt has already oulined how these people operate and it is not pretty. The whole matter of rising debt is a serious matter which is a concern to thinking people in this country, but me giving up on my legitimate small business is really not going to help. I appreciate that you all feel strongly about this very emotional subject, but outlawing "doorstep lending" I think would lead to more serious consequences than you or I can imagine. Something will always rush in to fill a vacuam.

 

[Hayles]

i would just like to add this: Even if it were true that people were being taken advantage of by so called "doorstep lenders" What is the worse that is going to happen if they dont pay? the answer is - NOTHING- they just dont get extended any more loans by the company they defaulted on - thats it - so they dont get any further into debt and no ongoing interest mounts up on the balance they have defaulted on.

What's the worse that could happen?? What planet are you on Crewgirl? Have you not read how people's lives are literally destroyed/lost because of the worry of debt? You're obviously happy to use underhand tactics to get people to buy things from you at high interest rates. Many on here aren't and therefore don't agree with your practices or morals.

But hey, that's business, right?

I've tried to stay out of this too because your replies and comments have been almost unbelievable sometimes, (the "laughing all the way to the bank" did it for me...), but as everyone's entitled to an opinion, you now have mine.

H

 

[estwig]

Here you go Crewgirl, not sure if you need this as you seem to be doing well on your own but....................You can dig yourself an even bigger hole now!!!!!!

 

[BusinessIdeas]

What's the worse that could happen?? What planet are you on Crewgirl? Have you not read how people's lives are literally destroyed/lost because of the worry of debt? You're obviously happy to use underhand tactics to get people to buy things from you at high interest rates. Many on here aren't and therefore don't agree with your practices or morals.

But hey, that's business, right?

I've tried to stay out of this too because your replies and comments have been almost unbelievable sometimes, (the "laughing all the way to the bank" did it for me...), but as everyone's entitled to an opinion, you now have mine.

H

Im not selling anything with interest rates added. Read the earlier posts. I really wish you people would get your facts right.

 

[BusinessIdeas]

Here you go Crewgirl, not sure if you need this as you seem to be doing well on your own but....................You can dig yourself an even bigger hole now!!!!!!

Thanks for the picture of your eating utensils enjoy your dinner

 

[pash]

Thanks for the picture of your eating utensils enjoy your dinner

Ooo, i think that was a bit off. estwig always finds funny things and makes some funny remarks and it makes me giggle, as do lots of others on the forum.

 

Thanks for the picture of your eating utensils enjoy your dinner

A normal fork is no good for his is "donna" kebabs!

 

[estwig]

A normal fork is no good for his is "donna" kebabs!

Gotta be greasy fingers for a 'Donner', then wipe your fingers on the carpet when Mrs estwig and the little estwig's aren't looking!!!

All part of the fun!!!

 

[pash]

Gotta be greasy fingers for a 'Donner', then wipe your fingers on the carpet when Mrs estwig and the little estwig's aren't looking!!!

All part of the fun!!!

LOL Urgh to the greasy Donner though!

 

[KM-Tiger]

Gotta be greasy fingers for a 'Donner', then wipe your fingers on the carpet..........

You'll be a needing a loan for new carpet soon. Think I might know someone who can help.

 

[asonda]

Yup, you'll only have to pay 177% APR! What a bargain!

 

[iklemiracle]

Crewgirl,

Yes I am talking about some of my clients and some of the people that run up debts in other ways. Its called being honest.

- Your honesty about who your clients are although grateful you have been, was what 'screamed' out to me, leading to my attempt to 'clarify' to you what I and others here see.

Maybe I am not offering a solution, but think of the consequences of these poeple being driven into the arms of the real loan sharks who are not regulated and who would take a much stronger approach to recovering their money. The whole matter of rising debt is a serious matter which is a concern to thinking people in this country, but me giving up on my legitimate small business is really not going to help.

You show signs that you are prepared to accept you are not offering a solution. So, Can YOU NOT SEE YOU ARE FEEDING THIS PROBLEM WITH YOUR MAYBE 'small' but effective 177% business! You can 'wrap it up in velvet' (your words)all you like, what you do is effectively making the 'have nots' have even less,(what happens when they cant pay YOU back? How many will seek the SHARK then?) You are adding to poverty and crime by feeding off the habits and desperation of others. Don't you SEE that????

The Government says that the war in Iraq was 'legitimate'- Yet most of this country's citizens believe was WRONG.

If everyone who 'provides' the 'service' you do decided to pack up and go home IT WILL MAKE A DIFFERENCE. - Stand down, stop feeding the problem, others may follow by example.

Maybe I am not offering a solution

,
If your not part of the solution your part of the problem

Crewgirl, over 2000 people have viewed this thread, if you are so convinced that there 'is nothing wrong' with your business ethics and your chosen line of works. If your that confident. Post a poll to see just how many people here agree with whet you are doing. Perhaps that (and the truth in black and white) may just encourage you to drop it. I think you've caused your reputation enough damage already.

Perhaps by posting a poll it would put an end to your persistence in justifying your folly and this thread once and for all!

Who knows you may even be honourable enough to take your views elsewhere, if you can find a forum with more of 'your kind' good luck to you.

 

[DuaneJackson]

Im sorry Duane but I cant agree with the fact that my customers are financially illiterate. I see my customers every week so I know them very well, and I cant honestly think of even one that I would class as financially illiterate. You are quite welcome to come and see this for yourself. I will take you round to all of my customers and you can judge their intelligence for yourself.

Financial literacy has nothing to do with intelligence. I'm not accusing anyone of being unintelligent.

 

[asonda]

I'm Impressed by what IkleMiracle as said! Poll Time!

 

[Hayles]

Im not selling anything with interest rates added. Read the earlier posts. I really wish you people would get your facts right.

Ahhh! These people can buy the stars with an interest free loan from you if they can't afford to pay for them outright? Sorry! I must have misunderstood before. That changes everything

H

 

[RayB]

I seem to have missed this thread - just as well as I get in trouble when I let my morals get in the way - so best I dont comment.

In the meantime, I need some silly stars on my ceiling and a loan at rip-off rates - can anyone suggest a supplier?

PS - Crewgirl - Welcome

 

[Matt Quinn]

Im sorry but this is ridiculous. I agree that debt is high in this country but doorstep lending is responsible for a tiny % of rising debt it wouldnt even show on a scale of one to ten when credit cards are taken into the equation. I really hope you can find something more significant to comment on Matt this aint worthy even of your cognative skills.

MORE spin?

The overall percentage of debt in this country isn't what's coming under the microscope. Though I stress that by no means do I defend that

What people are objecting to in this instance are two things. Firstly the deviousness and basic dishonesty of your sales techniques. And secondly the usuary in which you indulge.

To that we might add revulsion at the apparent glee you display at the results of your efforts; your 'laughing all the way' to the bank and your just sitting back and counting your money.

I believe my cognitive Skills (it's spelt with an 'i' incidentally) to be reasonable for one who is arrogant enough to believe himself to be of moderate intelligence. It seems too that the board of management of Stow College and the SQA are tolerably satisfied with my intellect to the extent they charge me with the teaching and assessment of students studying to HND level. And indeed when Her Majesty's Inspector of Education came to visit the college, they also seemed satisfied that the college wasn't harbouring any 'dead heads'.

But then, rather than bring any cogent or even legitimate arguments to the table this has been the style of your posting all along; you attempt the old trick of 'spinning' attention away from the point in question. You're right though; I can find more significant things to comment on.

As for the loan business, we are a highly regulated industry as everyone knows, all loan issues now have to be preceded by a pre-contract form which outlines all interest and additional charges that may be levied to the customer in a totally transparent manner, and we are directed by the Office of Fair Trading

........Note the use of the word "we" here; Crewgirl clearly refers to her own activities.

Yes I am talking about some of my clients and some of the people that run up debts in other ways. Its called being honest.

So, Crewgirl's clients are in debt to her?....

Im not selling anything with interest rates added. Read the earlier posts. I really wish you people would get your facts right.

...It's called being honest? Apparently we've mis-judged 'Saint Crewgirl of the Immaculate Deception'. She seems to be suggesting here that her loans are interest free.

Bit of an update. I went out tonight (Friday) and sold 5 @ £150 - 1 for cash and 4 on credit, lets do the math 5 x 150 = £750 - not bad for three hours work.

You MAY not have charged interest in this particular instance, but by your own admission you're a moneylender.. And a 'low rent' one at that.

Lets put it this way Crewgirl. You first came to my attention after reading your pretentiously-so-called 'book' which turned out to be a short essay of under a thousand words on how to lie to prospective customers. The irony of it! A mis-representation of the 'art' of mis-representation! Almost poetic!

My attention then fell on your website where I noted your £199 manual on how to run a shark tank... Sorry; 'Loan Company' and your FIVE GRAND 'course' on the same topic....

Someone else then pointed me to this thread. Where I learn that the real thrust of your business involves grubbing around the council estates flogging 'tat' on 'tick'... And make no mistake, despite your earlier allusions to this being a high quality product it's not. It's something you picked up in a couple of months that costs you a few quid in materials...

As it happens an acquaintance of mine is a senior manager with a large shop-fitting firm in Fife. He tells me the 'high end' technique costs THEM about £10 per square metre in materials and takes two skilled operators to install. But that aside; I don't have an issue with the product itself.

Now frankly (with reference to a comment you made earlier) were you someone on the dole, going door to door selling this product, trying to scramble out of the clag on your own efforts I'd slap you on the back and do what I could to help.....

....With apologies in advance to the moderators, I personally had to swim around in shite for enough years to know first hand how tough it is; and I'll give anyone I can a break. But you're not doing that are you? No! You're 'laughing all the way to the bank'

You said it was ridiculous that I compared you to people who stuff nylon shirts into gearboxes. Well no, actually it isn't. That's EXACTLY the level you operate at. Those old enough to remember "Arfur Daley" will, no doubt, immediately see the comparison.

..."Minder" wasn't actually meant to be a management training video. And Arfur wasn't meant to be a role model; he was a comic character.

 

[Alice3537]

crewboy 25a (who is also part of the Briteways team) has an e-bay account - and guess what he bought?

http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=260128312655

Sadly, he wasn't too happy with it - didn't think the technique was very well explained (feedback August 14th) - mind you, someone must have picked it up fairly quickly, probably crewgirl 25a, who's "been researching this and practicing techniques myself for months and I realised that I had learned virtually all that I needed to know to start up the business on my own"! Seems poor old crewboy wasted some money there!



Personally, I think that posts asking about an upholstery business as an add on to their existing business or a stars on ceiling business as an add on to their original business (notice a theme?) is merely a way in which to market Briteways - and let's face it, it's worked...there's more discussion in this thread about Briteways than there is about the other business.

[unless, of course, there is a crewboy 25a using the net who has a business and another completely unrelated person who uses the same name and decided to start a business painting stars on ceiling? If so, oops!]

 

[estwig]

Careful Alice you will be putting Salinv our UKBF P.I out of business

Good find though

"Make £1000's of pounds putting dots on ceilings"

Brilliant!!!!

 

[asonda]

This thread, is becoming a classic...

Have to say though, I think she and he crewgirl and crewboy are in the SCAM together.

 

[Matt Quinn]

crewboy 25a (who is also part of the Briteways team) has an e-bay account - and guess what he bought?

<ROFLMAO>

We're obviously dealing with some serious business minds 'ere....

Other gems include....

HOW TO CONTROL YOUR BRAIN AT WILL - Psychology Ebook (#290118363631)

.....'cos loik not many people are in charge of their own brain...

start a property letting buiness (#190131399338)

Buy some property, then let it????

My personal favourite 'crew crew' purchase.... is the £4.99 Debt Cancellation Business!!!


[FONT=Arial, Helvetica, sans-serif]Proudly Announcing the Financial FREEDOM Collection!!

Whether you choose to use this collection of pre-dictated audio letters and ready to mail templates for your personal use or to set up a debt cancellation service, which incidentally may be operated anywhere in the world, (banking laws are the same world wide) you will without a doubt save yourself thousands and make yourself a tremendous amount of money, genuinely a possible million within 1 year.


Yes Rodney! This time next year we'll be MILLIONAIRES!!!







[/FONT]

 

[Watis]

Ebay user crewboy25a also bought a "Debt cancellation business"! Oh the irony . . .

But once he had paid £4.99 for the business, he learned that he was in for another £779.95 for the actual business as the fiver just pays for a 'pre-purchase info pack'. As stated in the auction.

The moral of the story: read the small print. It is there, near the end of the auction.

Watis

 

[Tobes]

It is clearly folly to get up the collective nose of UKBF

 

[BusinessIdeas]

It is clearly folly to get up the collective nose of UKBF

Yep it would be if one gave a flying poo!

 

[lockie]

One big thing that crewgirl has overlooked is the fact she/he quite openly states if the debts arent repaid nothing will happen.Well lets hope some of her "customers" dont read this thread and stop repaying the debts based on her own information.
If i could just show one of her customers this thread and show them the light she sees them in it would be priceless.
As this comes up high on google its not giving her business much credibility to anyone reading this through.

I could scare old ladies all day long into spending thousands on security they dont really need but i choose not too. It would easy to rip off everyone who is locked out but i choose not to. Business is good regardless and i sleep well at night.

 

[BusinessIdeas]

Ahhh! These people can buy the stars with an interest free loan from you if they can't afford to pay for them outright? Sorry! I must have misunderstood before. That changes everything

H

Thats ok its easy to get confused with all these totally false accusations flying around. It all gets a bit silly dont it?

 

[Matt Quinn]

Thats ok its easy to get confused with all these totally false accusations flying around. It all gets a bit silly dont it?

Duh!

...Everything you've been accused of has been based on your own admissions.

....oh sorry, did you mean the falsies you were making about others? You know the curtain twitching and the shoes (among others)?

 

[BusinessIdeas]

Duh!

...Everything you've been accused of has been based on your own admissions.

....oh sorry, did you mean the false you were making about others? You know the curtain twitching and the shoes (among others)?

Others? no Matt I was taking th p**s out of you specifically

 

[Matt Quinn]

Others? no Matt I was taking th p**s out of you specifically

No , actually, I think you;ll find you're just taking the p**s out of yourself...

You're just not bright enough to realise it.

 

[Tobes]

Ok this is really boring now, debating the several themes is fine but if people are just going to repeatedly throw insults with smilies attached it's rather ridiculous...

 

[BusinessIdeas]

No , actually, I think you;ll find you're just taking the p**s out of yourself...

You're just not bright enough to realise it.

Get them kids of our yard!!!