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• Disclaimer

Please read these guidelines carefully before posting on the Ladies in the Red forum.

Ladies in the Red is an independent non-profit making support site.

We suggest our readers seek independent, impartial and free advice to decide their appropriate course of action.

We are not affiliated with any debt solution company or IP office and will remain unaffiliated for the life of the website.

Any kind of advertisement or promotional posting is forbidden on the Forum. Any post that contains links to a debt company website, a phone number, or an email address that is affiliated with a debt solution firm, will be deleted immediately. This includes any post that mentions or recommends a fee charging debt company. Ladies in the Red is not a tool for the promotion of businesses that make profit from those who are financial difficulty.

Bear in mind that this is an open forum and anyone is able to post on it. Therefore, please do not leave any personal contact details on the forum. For the security of the users, any posts containing contact details will be removed from the forum.  

The Ladies in the Red forum was created to provide a safe, supportive environment for people who are in financial distress.

Respectful, supportive and empathetic behaviour is expected at all times.

Ladies in the Red does not condone bad behaviour towards others. Forum users are encouraged to file a complaint using the Get in Touch form immediately if behaviour that does not follow the forum rules is witnessed or experienced.

It is in our common interest to define a high level of conduct that each user can expect from every other user. The following is a guideline to provide you with standards of conduct that Ladies in the Red asks of each user.

1. Terms of Use
The Forum is intended to be a means of exchange of information for anyone experiencing financial problems either now or in the past. Any views expressed about individuals or companies are entirely the views of the author and not the owners of this website. The Administrators of the Forum reserve the right to edit or delete messages that they consider to be inappropriate.

2. Participation in discussions
When participating in the forum, be aware that your communication is being read by others. It is an open forum and, as such, anyone can join a discussion or post a thread. The forum is regularly checked and any posts that do not abide by guidelines are removed immediately. Use the forum for sharing, learning and discussing topics positively.

3. Replying to posts
Post comments that provide constructive information and debate. Do not post comments designed to cause distress to others, either explicitly or implied. Do not post comments that are sarcastic or cynical in nature or that are aggressive or disrespectful to others.
 
4. External Links
 Links to other sites are permitted on the forum for informational purposes only. Links for the purpose of advertising are forbidden. Links to Fee charging companies are also forbidden.

5. Sexual Abuse and Complaints of Harassment
This is a debt related forum, we encourage all relationships formed to keep this in mind. Ladies in the Red is not a dating site. Members are asked to be responsible for the relationships they form and act in a mature manner. We actively discourage flirtation and similar discussion on the forum. Please also be aware that although you may build a relationship with other members over time on the forum, the person concerned still remains anonymous and as such could not be the person they purport to be. The owners of Ladies in the Red and the Administrators of its forum page can make no assurances as to the standing and identity of its users, and as such make no assurances as to their credibility.

6. Data Protection Act
It is extremely important to us that people who post on here can do so in a safe environment, and we do not encourage people to share personal details unless they choose to do so. If you choose to disclose personal facts about yourself, then you do so at your own risk. However, Administrators will intervene should you post personal facts about other members without their express permission This site is governed by the Data Protection Act, and as such at no time will an individuals details be passed to any third party without either the explicit permission of the person they pertain to, or without a duly served court order. The only exceptions to this will be passing of information to the Police, at their request to facilitate the investigation of hate crime, child abuse, or identity fraud, and this will only occur when there are clear indications that this has occurred in the public forums.

7. Complaints
If you witness a forum user conducting themselves in a way that you feel is outside of the guidelines then we encourage you to alert Admin using the Get in Touch form. This applies if the conduct is aimed at you, or others.