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Old 21-10-2012, 10:21   #11
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Originally Posted by Enoch Powell View Post
That is the sort of 'business' I am thinking of when I say that not all economic growth is beneficial to the country. The profits those cunts make will count towards GDP but what good are they doing anyone really?
I agree mate.
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Old 21-10-2012, 10:23   #12
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I would imagine that the people that use these companies have already exhausted regular lines of credit.

Don't get me wrong, I agree that there is an element of stupidity some who can't budget but in desperate times people resort to desperate measures.

If you live hand to mouth and your car breaks down and that is your only means of transport to work then I guess you get the car fixed or you are further in the mire.
Yeah I assume that accounts for a large proportion of their customers. At least I hope it is mostly people in desperate need of money for essentials, rather than people wanting a new iphone. Some of these people are very young as well, 18-22? Surely they haven't fucked up their credit history already by that age?
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Old 21-10-2012, 18:09   #13
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It says 800,000 households have taken these out. Are 800,000 people really unable or too stupid to sort out cheaper credit, like an overdraft with their bank or a normal credit card?
yes,

Was reading that some banks are refusing to lend to people who may have used these firms in the past even if they were paid off no problem. Catch 22 as these people are exploiting the banks lack of willing to lend to people.
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Old 21-10-2012, 18:12   #14
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Yeah I assume that accounts for a large proportion of their customers. At least I hope it is mostly people in desperate need of money for essentials, rather than people wanting a new iphone. Some of these people are very young as well, 18-22? Surely they haven't fucked up their credit history already by that age?
Students.

Look at http://forums.moneysavingexpert.com/...splay.php?f=12 loads of people who have fucked up with these loans.
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Old 21-10-2012, 18:23   #15
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tbh surely cash is only need for literally emergency, like your boiler breaking or car needs fixing

you see the adverts on tv about people using it to buy a holiday or go shopping

ffs have some self respect and maybe not buy pointless shite if you cant afford it
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Old 21-10-2012, 18:26   #16
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the girl in the pic, 14k debt yet has an iphone 4/5 just fucking wept
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Old 21-10-2012, 18:51   #17
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More like a desperation tax than a stupidity tax.
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Old 21-10-2012, 18:56   #18
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DESPERATE TO GET AN IPHONE AND A MACBOOK PRO TO KEEP UP WITH THE CUNTS JONESES
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Old 25-10-2012, 10:20   #19
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That moneysaving expert cunt actually summed them up quite well before, basically saying that they have a legitimate use, like you have a cashflow issue, getting paid in a week but your car has broken down.

So he suggested that they shouldn't be banned, as you're cutting off a viable means of credit for many people, but rather they should have restrictions imposed to prevent people fucking themselves over so easily. i.e if you walk in there to use it for an iPhone 5, you're told to fuck off, but if you need it for a car etc, you're fine.

He said it's hard to enforce and people will fake sob stories, and also, the companies themselves will be in no mood to do it, they ultimately want people to struggle to pay it off longer than expected, it's how they make their real money.
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Old 25-10-2012, 11:03   #20
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Originally Posted by Darren Lamb View Post
That moneysaving expert cunt actually summed them up quite well before, basically saying that they have a legitimate use, like you have a cashflow issue, getting paid in a week but your car has broken down.

So he suggested that they shouldn't be banned, as you're cutting off a viable means of credit for many people, but rather they should have restrictions imposed to prevent people fucking themselves over so easily. i.e if you walk in there to use it for an iPhone 5, you're told to fuck off, but if you need it for a car etc, you're fine.

He said it's hard to enforce and people will fake sob stories, and also, the companies themselves will be in no mood to do it, they ultimately want people to struggle to pay it off longer than expected, it's how they make their real money.
u just posted what I posted

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