Bradford people warned not to get a loan to pay for presents

Alex Bohdanowicz says debt advice demand is very high

Alex Bohdanowicz says debt advice demand is very high

First published in News Bradford Telegraph and Argus: Photograph of the Author by , Bradford Chief Reporter

Cash-strapped families are being urged to avoid using payday lenders charging huge rates of interest as a trading watchdog revealed several companies are facing formal investigation over the use of “aggressive debt collection” methods.

Last year Bradford & Airedale Citizens Advice Bureau (CAB) saw 2,000 people with combined debt problems totalling £25 million and its advisors say that figure is expected to rise even higher this year.

The Office of Fair Trading (OFT), which is carrying out a compliance review into the industry, is writing to all 240 payday lenders in the market to outline its concerns about poor practices in the sector.

It said it expects to warn the majority of 50 firms it has inspected, which account for the lion's share of payday loans, that they risk enforcement action if they do not improve their standards.

That warning comes months after the Telegraph & Argus revealed that young mums were being harrassed at the gates by loan shark heavies trying to get repayments.

It also comes as the CAB warned people about increasingly turning to payday lenders, unauthorised overdrafts and other high-interest credit to meet the additional cost of Christmas Alex Bohdanowicz, its specialist services manager, said the demand for debt advice was still very high and showed no sign of subsiding.

“We understand that this is an important time but ask that people sit down and do a real budget to see what they can afford, taking into account what you need to pay to meet your essential expenditure, such as rent and fuel and council tax first,” she said.

“Recognise that many people are in the same situation, so it is okay to reduce the cost of gifts, pool resources and food over the Christmas period and try to minimise the impact that you will have to face in January.

“Our advisers are very busy and we launched a dedicated telephone debt advice line in July on Monday, Tuesday, Thursday and Friday at 9.30am to 12.30pm and this is constantly busy and we struggle to meet this demand.

“The economic climate is very difficult for everyone at the moment. We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living.

“In particular at this time of year, people are trying to manage the additional expenses of Christmas at the same time they are facing high fuel bills as well as other commitments.”

Meanwhile, David Fisher, OFT director of consumer credit, said: “We have uncovered evidence that some payday lenders are acting in ways that are so serious that we have already opened formal investigations against them.

“Lenders need to improve their business practices or risk enforcement action.”

The Debt Advice Line is (01274) 758047.

Comments (92)

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7:50am Sun 25 Nov 12

Cooperlane2 says...

Yet one of the major expanding businesses in Bradford is involved in home collected credit.
Yet one of the major expanding businesses in Bradford is involved in home collected credit. Cooperlane2
  • Score: 0

8:48am Sun 25 Nov 12

idleone says...

Well, interesting. The T&A recently ran a story about a local loan company that does short term lending and doorstep tactics. That wax a "positive story" now this. I commented at the time about the dangers to society and ongoing debt problems, and received a few negative comments. Now the CAB are criticising these loan shark companies ( of which, naturally, we have lots on the Bradford high streets ) come on!!!! They cause huge problems and further debt, time for the FSA to change its rules drastically and the reintroduction of credit unions for the poor to seek genuine help for REAL needs, not just presents, beer, fags and drugs.
Well, interesting. The T&A recently ran a story about a local loan company that does short term lending and doorstep tactics. That wax a "positive story" now this. I commented at the time about the dangers to society and ongoing debt problems, and received a few negative comments. Now the CAB are criticising these loan shark companies ( of which, naturally, we have lots on the Bradford high streets ) come on!!!! They cause huge problems and further debt, time for the FSA to change its rules drastically and the reintroduction of credit unions for the poor to seek genuine help for REAL needs, not just presents, beer, fags and drugs. idleone
  • Score: 0

9:14am Sun 25 Nov 12

Thee Voice of Reason says...

MP Gerry Sutcliffe seems not to be too bothered about these companies now his Bulls are being sponsored by one.
The T&A also seemed to think they are a good positive company not so long back.
MP Gerry Sutcliffe seems not to be too bothered about these companies now his Bulls are being sponsored by one. The T&A also seemed to think they are a good positive company not so long back. Thee Voice of Reason
  • Score: 0

9:21am Sun 25 Nov 12

idleone says...

Good point re Sutcliffe. Very quiet now! Mind you, that's common amongst MP's all two faced and more concerned about profile and ego than anything else.
Good point re Sutcliffe. Very quiet now! Mind you, that's common amongst MP's all two faced and more concerned about profile and ego than anything else. idleone
  • Score: 0

9:22am Sun 25 Nov 12

Avro says...

Talk about double standards!

There is little difference between a Payday lender and a Door step lender, both are legal and both charge ridiculous APR's. Yet the reprter fails to realise that the largest Doorstep lender is on the doorstep of City Hall.

The fact is that the tactics of Doorstep lenders are far worse than those of Payday loan outlets!

Meanwhile the Council have allowed a ridiculous number of Payday loan outlets to set up in the City centre.
Talk about double standards! There is little difference between a Payday lender and a Door step lender, both are legal and both charge ridiculous APR's. Yet the reprter fails to realise that the largest Doorstep lender is on the doorstep of City Hall. The fact is that the tactics of Doorstep lenders are far worse than those of Payday loan outlets! Meanwhile the Council have allowed a ridiculous number of Payday loan outlets to set up in the City centre. Avro
  • Score: 0

10:22am Sun 25 Nov 12

Outraged English Subject says...

Can’t trust the FSA at all, just look at what happened to the banks on their watch! It’s up to the people themselves, “the reintroduction of credit unions for the poor to seek genuine help for REAL needs,” is the only way forward.
Can’t trust the FSA at all, just look at what happened to the banks on their watch! It’s up to the people themselves, “the reintroduction of credit unions for the poor to seek genuine help for REAL needs,” is the only way forward. Outraged English Subject
  • Score: 0

10:45am Sun 25 Nov 12

Albion. says...

idleone wrote:
Well, interesting. The T&A recently ran a story about a local loan company that does short term lending and doorstep tactics. That wax a "positive story" now this. I commented at the time about the dangers to society and ongoing debt problems, and received a few negative comments. Now the CAB are criticising these loan shark companies ( of which, naturally, we have lots on the Bradford high streets ) come on!!!! They cause huge problems and further debt, time for the FSA to change its rules drastically and the reintroduction of credit unions for the poor to seek genuine help for REAL needs, not just presents, beer, fags and drugs.
There have been reports on TV of some credit unions struggling or going under because of people failing to re-pay, which makes the need for the threatening approach used at times by some private loan companies a bit more understandable.
Whatever happened to the "if you can't afford it you can't have it" mentality of the past?
After the war, parents often made their children's presents and they had to be satisfied with that.
[quote][p][bold]idleone[/bold] wrote: Well, interesting. The T&A recently ran a story about a local loan company that does short term lending and doorstep tactics. That wax a "positive story" now this. I commented at the time about the dangers to society and ongoing debt problems, and received a few negative comments. Now the CAB are criticising these loan shark companies ( of which, naturally, we have lots on the Bradford high streets ) come on!!!! They cause huge problems and further debt, time for the FSA to change its rules drastically and the reintroduction of credit unions for the poor to seek genuine help for REAL needs, not just presents, beer, fags and drugs.[/p][/quote]There have been reports on TV of some credit unions struggling or going under because of people failing to re-pay, which makes the need for the threatening approach used at times by some private loan companies a bit more understandable. Whatever happened to the "if you can't afford it you can't have it" mentality of the past? After the war, parents often made their children's presents and they had to be satisfied with that. Albion.
  • Score: 0

10:54am Sun 25 Nov 12

cheeky1 says...

Maybe at a time like this where there is very little cash it would be nice to see families back together. People should do it more often not just at CHRISTMAS!!!After all it's just like a gloryfide Sunday dinner at our house!with a few pressies.....but one important thing on the list money cannot buy (hugs!)but we have them all year round too!
Maybe at a time like this where there is very little cash it would be nice to see families back together. People should do it more often not just at CHRISTMAS!!!After all it's just like a gloryfide Sunday dinner at our house!with a few pressies.....but one important thing on the list money cannot buy (hugs!)but we have them all year round too! cheeky1
  • Score: 0

11:17am Sun 25 Nov 12

The Hoffster says...

Maybe if the 'parents' of these children didn't waste their money on booze and fags, there'd be money for presents?

What do you think ?
Maybe if the 'parents' of these children didn't waste their money on booze and fags, there'd be money for presents? What do you think ? The Hoffster
  • Score: 0

11:22am Sun 25 Nov 12

Albion. says...

The Hoffster wrote:
Maybe if the 'parents' of these children didn't waste their money on booze and fags, there'd be money for presents?

What do you think ?
I think that's a massive generalisation, but not unexpected.
Have you added UKIP to your slagging off list now?
[quote][p][bold]The Hoffster[/bold] wrote: Maybe if the 'parents' of these children didn't waste their money on booze and fags, there'd be money for presents? What do you think ?[/p][/quote]I think that's a massive generalisation, but not unexpected. Have you added UKIP to your slagging off list now? Albion.
  • Score: 0

11:22am Sun 25 Nov 12

thruth9211 says...

Yep

it looks like many people are wasting their easy benefit money on alcohol and fags

Stop paying money to these people and pay then in voucher format

simple and easy solution to a known problem

But there again the big WIGs of the government will not put this into practise and TAX revenue wiull decrease

HapPY Xmas, let ur self into debt again this year
Yep it looks like many people are wasting their easy benefit money on alcohol and fags Stop paying money to these people and pay then in voucher format simple and easy solution to a known problem But there again the big WIGs of the government will not put this into practise and TAX revenue wiull decrease HapPY Xmas, let ur self into debt again this year thruth9211
  • Score: 0

12:47pm Sun 25 Nov 12

Another Landless Peasant says...

"We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living."

Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES.
"We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living." Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES. Another Landless Peasant
  • Score: 0

12:49pm Sun 25 Nov 12

Albion. says...

Another Landless Peasant wrote:
"We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living."

Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES.
No thanks.
[quote][p][bold]Another Landless Peasant[/bold] wrote: "We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living." Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES.[/p][/quote]No thanks. Albion.
  • Score: 0

12:49pm Sun 25 Nov 12

RollandSmoke says...

thrush9211 your an idiot. I've neither the time or the patience to explain to you why but see if you can work it out yourself without referring to a certain book to tell you how your supposed to think. As regards Christmas, if proof were needed that brainwashing exists and perverts our values it's Christmas. It has nothing whatsoever to do with the latest ipad produced by slave labour or the Coca-cola Santa clause or pine trees. It has become a time of consumer mass hysteria and the principle of good will to all men has been replaced by a shopping psychosis as people desperately try to show their love through materialist tat. For those who say Christmas is a part of British culture, don't make me laugh, it's nothing more than a marketing ploy. If you must play the game do it with your own money. There is no way to win but you must limit the extent to which you lose.
thrush9211 your an idiot. I've neither the time or the patience to explain to you why but see if you can work it out yourself without referring to a certain book to tell you how your supposed to think. As regards Christmas, if proof were needed that brainwashing exists and perverts our values it's Christmas. It has nothing whatsoever to do with the latest ipad produced by slave labour or the Coca-cola Santa clause or pine trees. It has become a time of consumer mass hysteria and the principle of good will to all men has been replaced by a shopping psychosis as people desperately try to show their love through materialist tat. For those who say Christmas is a part of British culture, don't make me laugh, it's nothing more than a marketing ploy. If you must play the game do it with your own money. There is no way to win but you must limit the extent to which you lose. RollandSmoke
  • Score: 0

12:51pm Sun 25 Nov 12

old pecker says...

thruth9211 says.
!! Dont generalise you obvioulsy have no idea what you are talking about !
lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts.
i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work .
i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs .
i barely afford to keep my house warm during the winter never mind have a pint !
thruth9211 says. !! Dont generalise you obvioulsy have no idea what you are talking about ! lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts. i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work . i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs . i barely afford to keep my house warm during the winter never mind have a pint ! old pecker
  • Score: 0

1:19pm Sun 25 Nov 12

idleone says...

old pecker wrote:
thruth9211 says.
!! Dont generalise you obvioulsy have no idea what you are talking about !
lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts.
i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work .
i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs .
i barely afford to keep my house warm during the winter never mind have a pint !
Old pecker, i refer to a minority of benefit claimants, there are always genuine deserving claimants such as yourself. Sadly the minority give a bad image and overstep the mark because they know they can mik the system, default on loans and get away with it. Before we know it society is damaged forever.
[quote][p][bold]old pecker[/bold] wrote: thruth9211 says. !! Dont generalise you obvioulsy have no idea what you are talking about ! lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts. i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work . i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs . i barely afford to keep my house warm during the winter never mind have a pint ![/p][/quote]Old pecker, i refer to a minority of benefit claimants, there are always genuine deserving claimants such as yourself. Sadly the minority give a bad image and overstep the mark because they know they can mik the system, default on loans and get away with it. Before we know it society is damaged forever. idleone
  • Score: 0

1:34pm Sun 25 Nov 12

Outraged English Subject says...

old pecker wrote:
thruth9211 says.
!! Dont generalise you obvioulsy have no idea what you are talking about !
lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts.
i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work .
i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs .
i barely afford to keep my house warm during the winter never mind have a pint !
Respects, I've not put my heating on yet, and hope not too. I hate the thought of paying for overpriced gas to Npower out of my ultra-small military pension. I do not drink alcohol nor smoke cigarettes; also I’m not in receipt of any benefit to boot!
[quote][p][bold]old pecker[/bold] wrote: thruth9211 says. !! Dont generalise you obvioulsy have no idea what you are talking about ! lets Get something straight Not everyone smokes & drinks , Me for one cannot afford to on the pittance from the gov handouts. i am 57 & have spent 10 years defending this country in the RAF and worked all my live untill 2 heart attacks leave me unable to work . i get sick to death of reading people here saying that unemployed poeple smoke & drink , take drugs . i barely afford to keep my house warm during the winter never mind have a pint ![/p][/quote]Respects, I've not put my heating on yet, and hope not too. I hate the thought of paying for overpriced gas to Npower out of my ultra-small military pension. I do not drink alcohol nor smoke cigarettes; also I’m not in receipt of any benefit to boot! Outraged English Subject
  • Score: 0

1:53pm Sun 25 Nov 12

Another Landless Peasant says...

Abolish the National Minimum Wage, pay everyone £10 per hour, no matter whether you are a managing Director or a Toilet Cleaner. Increase JSA from £70 per week to £150 per week. Tax the rich. Nationalize the power companies. Stop buying things you don't actually need. Do not comply with the system. Boycott the Work Programme. If you have a job, get out on strike.
Abolish the National Minimum Wage, pay everyone £10 per hour, no matter whether you are a managing Director or a Toilet Cleaner. Increase JSA from £70 per week to £150 per week. Tax the rich. Nationalize the power companies. Stop buying things you don't actually need. Do not comply with the system. Boycott the Work Programme. If you have a job, get out on strike. Another Landless Peasant
  • Score: 0

1:54pm Sun 25 Nov 12

Another Landless Peasant says...

TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!! Another Landless Peasant
  • Score: 0

2:24pm Sun 25 Nov 12

cookie_brighton says...

Another landless peasant.
Totally agree with taking money off the rich and give it to the poor.
When we look at it ,some of the rich are only rich on paper, they have so much money that the exact amount only shows on their bank statements..........
sitting in the banks earning the banks loadsa money.
Another landless peasant. Totally agree with taking money off the rich and give it to the poor. When we look at it ,some of the rich are only rich on paper, they have so much money that the exact amount only shows on their bank statements.......... sitting in the banks earning the banks loadsa money. cookie_brighton
  • Score: 0

2:39pm Sun 25 Nov 12

webess says...

Cooperlane2 wrote:
Yet one of the major expanding businesses in Bradford is involved in home collected credit.
...and they're about the only type of lender not mentioned in the article.
[quote][p][bold]Cooperlane2[/bold] wrote: Yet one of the major expanding businesses in Bradford is involved in home collected credit.[/p][/quote]...and they're about the only type of lender not mentioned in the article. webess
  • Score: 0

2:42pm Sun 25 Nov 12

Albion. says...

cookie_brighton wrote:
Another landless peasant.
Totally agree with taking money off the rich and give it to the poor.
When we look at it ,some of the rich are only rich on paper, they have so much money that the exact amount only shows on their bank statements..........

sitting in the banks earning the banks loadsa money.
There are plenty of formerly poor people who are now rich, It's a free country so anyone can start in business or try for further qualifications or promotion.
If you gave more money to Landless Peasant, after a short length of time he would have nothing but a bad cough and the money would be in the hands of someone who was already wealthy before he was given the money.
Many poor people would still end up poor whatever you gave them (there are of course some worthy exceptions, but picking them out isn't easy).
[quote][p][bold]cookie_brighton[/bold] wrote: Another landless peasant. Totally agree with taking money off the rich and give it to the poor. When we look at it ,some of the rich are only rich on paper, they have so much money that the exact amount only shows on their bank statements.......... sitting in the banks earning the banks loadsa money.[/p][/quote]There are plenty of formerly poor people who are now rich, It's a free country so anyone can start in business or try for further qualifications or promotion. If you gave more money to Landless Peasant, after a short length of time he would have nothing but a bad cough and the money would be in the hands of someone who was already wealthy before he was given the money. Many poor people would still end up poor whatever you gave them (there are of course some worthy exceptions, but picking them out isn't easy). Albion.
  • Score: 0

2:43pm Sun 25 Nov 12

webess says...

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
[quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax.. webess
  • Score: 0

2:45pm Sun 25 Nov 12

webess says...

Another Landless Peasant wrote:
"We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living."

Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES.
Silly me I thought we had a democratically elected Govt..
[quote][p][bold]Another Landless Peasant[/bold] wrote: "We are seeing many people who are facing job cuts, wage cuts and an increase in the cost of living." Indeed. And many are facing having their State Benefits reduced, when they are not enough to live on in the first place. It doesn't help matters when the greed-driven power companies, under the guidance of the Energy Minister, are phasing-out the Social Tariff for those with a longterm illness on a very low income. Disgusting Tory/Liberal scumbags. The vast majority of people's income, including those on Benefits, doesn't go on booze and fags, as some morons on here like to assume, but is going directlty into the pockets of the power companies and their grubby shareholders. CALL A NATIONAL GENERAL STRIKE. GET RID OF THE TORIE?LIB SCUM. VOTE LABOUR BACK IN AND RE_NATIONALIZE THE POWER COMPANIES.[/p][/quote]Silly me I thought we had a democratically elected Govt.. webess
  • Score: 0

2:54pm Sun 25 Nov 12

otleybull says...

http://www.huffingto
npost.co.uk/mobilewe
b/2012/10/01/schizop
hrenic-woman-thousan
ds-financial-_n_1928
010.html
http://www.huffingto npost.co.uk/mobilewe b/2012/10/01/schizop hrenic-woman-thousan ds-financial-_n_1928 010.html otleybull
  • Score: 0

2:56pm Sun 25 Nov 12

otleybull says...

One of Britain's largest doorstep lenders gave thousands of pounds of loans to a schizophrenic woman despite knowing she was vulnerable.
Panorama went undercover at Provident Financial, a FTSE 250 company with 1.8 million customers, and says it found cases of lending to customers which appeared to breach Office for Fair Trading (OFT) industry guidelines.
The mother of the unnamed woman, who requires constant care for her condition said: "You can talk to (her) and anyone in their right mind would know she's got an illness," her mother told the programme.
One of Britain's largest doorstep lenders gave thousands of pounds of loans to a schizophrenic woman despite knowing she was vulnerable. Panorama went undercover at Provident Financial, a FTSE 250 company with 1.8 million customers, and says it found cases of lending to customers which appeared to breach Office for Fair Trading (OFT) industry guidelines. The mother of the unnamed woman, who requires constant care for her condition said: "You can talk to (her) and anyone in their right mind would know she's got an illness," her mother told the programme. otleybull
  • Score: 0

2:58pm Sun 25 Nov 12

Another Landless Peasant says...

"Silly me I thought we had a democratically elected Govt.."

Whatever gave you that idea? Cameron wasn't elected.
"Silly me I thought we had a democratically elected Govt.." Whatever gave you that idea? Cameron wasn't elected. Another Landless Peasant
  • Score: 0

2:59pm Sun 25 Nov 12

Another Landless Peasant says...

WE WILL EAT THE RICH.
WE WILL EAT THE RICH. Another Landless Peasant
  • Score: 0

3:04pm Sun 25 Nov 12

Albion. says...

Another Landless Peasant wrote:
WE WILL EAT THE RICH.
That would simply be too much of an effort for you!
Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.
[quote][p][bold]Another Landless Peasant[/bold] wrote: WE WILL EAT THE RICH.[/p][/quote]That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself. Albion.
  • Score: 0

3:12pm Sun 25 Nov 12

RollandSmoke says...

webess wrote:
Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
[quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute. RollandSmoke
  • Score: 0

3:14pm Sun 25 Nov 12

RuggerTyke says...

Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan.

Oh what a wonderful world.
Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan. Oh what a wonderful world. RuggerTyke
  • Score: 0

4:34pm Sun 25 Nov 12

webess says...

RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
5% of the people holding 90% of the wealth - where on earth do you get this drivel from?
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]5% of the people holding 90% of the wealth - where on earth do you get this drivel from? webess
  • Score: 0

4:47pm Sun 25 Nov 12

webess says...

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Have you ever considered trying to earn some money, put some aside and create your own pot of wealth rather than living in the forlorn hope the Govt will seize money from the rich and hand it to you?

As Albion has mentioned, plenty of poor people have become rich through there own efforts..
[quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Have you ever considered trying to earn some money, put some aside and create your own pot of wealth rather than living in the forlorn hope the Govt will seize money from the rich and hand it to you? As Albion has mentioned, plenty of poor people have become rich through there own efforts.. webess
  • Score: 0

5:12pm Sun 25 Nov 12

Another Landless Peasant says...

"And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God."

Matthew 19:24
"And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God." Matthew 19:24 Another Landless Peasant
  • Score: 0

5:14pm Sun 25 Nov 12

Albion. says...

Another Landless Peasant wrote:
"And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God."

Matthew 19:24
There won't be many Bible believers reading that!
[quote][p][bold]Another Landless Peasant[/bold] wrote: "And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God." Matthew 19:24[/p][/quote]There won't be many Bible believers reading that! Albion.
  • Score: 0

5:18pm Sun 25 Nov 12

Another Landless Peasant says...

"“We understand that this is an important time but ask that people sit down and do a real budget to see what they can afford, taking into account what you need to pay to meet your essential expenditure, such as rent and fuel and council tax first,”

Debt isn't always the fault of poor budgeting skills, it is the result of poverty, i.e. insufficient income to make ends meet. No amount of sensible budgeting can alter that fact. Many people now must choose between eating and heating, and that is wrong. It is a shameful disgrace that people are suffering in this way in 21st Century Britain. The Tories must go.
"“We understand that this is an important time but ask that people sit down and do a real budget to see what they can afford, taking into account what you need to pay to meet your essential expenditure, such as rent and fuel and council tax first,” Debt isn't always the fault of poor budgeting skills, it is the result of poverty, i.e. insufficient income to make ends meet. No amount of sensible budgeting can alter that fact. Many people now must choose between eating and heating, and that is wrong. It is a shameful disgrace that people are suffering in this way in 21st Century Britain. The Tories must go. Another Landless Peasant
  • Score: 0

5:21pm Sun 25 Nov 12

webess says...

Another Landless Peasant wrote:
"And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God."

Matthew 19:24
Ah OK then, fair enough...
[quote][p][bold]Another Landless Peasant[/bold] wrote: "And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God." Matthew 19:24[/p][/quote]Ah OK then, fair enough... webess
  • Score: 0

5:49pm Sun 25 Nov 12

RollandSmoke says...

webess wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
5% of the people holding 90% of the wealth - where on earth do you get this drivel from?
Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.
[quote][p][bold]webess[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]5% of the people holding 90% of the wealth - where on earth do you get this drivel from?[/p][/quote]Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it. RollandSmoke
  • Score: 0

5:59pm Sun 25 Nov 12

webess says...

RollandSmoke wrote:
webess wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
5% of the people holding 90% of the wealth - where on earth do you get this drivel from?
Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.
In other words you've just made a figure up..
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]5% of the people holding 90% of the wealth - where on earth do you get this drivel from?[/p][/quote]Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.[/p][/quote]In other words you've just made a figure up.. webess
  • Score: 0

6:03pm Sun 25 Nov 12

Thee Voice of Reason says...

RuggerTyke wrote:
Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan.

Oh what a wonderful world.
I mentioned this a few posts in.
Where was Mr Sutcliffe for comment on this story?
[quote][p][bold]RuggerTyke[/bold] wrote: Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan. Oh what a wonderful world.[/p][/quote]I mentioned this a few posts in. Where was Mr Sutcliffe for comment on this story? Thee Voice of Reason
  • Score: 0

6:10pm Sun 25 Nov 12

RollandSmoke says...

webess wrote:
RollandSmoke wrote:
webess wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that.

Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out.

10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
5% of the people holding 90% of the wealth - where on earth do you get this drivel from?
Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.
In other words you've just made a figure up..
No, there were these people last year that were saying something about the 99% they'd been doing some research. I can understand that you may have missed it. Some of them camped down London for a while and a couple of weeks ago this bigwig from the Bank of England gave a speech about how their analysis was correct. Again I'm not sure whether that would have clashed with X-Factor
[quote][p][bold]webess[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]5% of the people holding 90% of the wealth - where on earth do you get this drivel from?[/p][/quote]Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.[/p][/quote]In other words you've just made a figure up..[/p][/quote]No, there were these people last year that were saying something about the 99% they'd been doing some research. I can understand that you may have missed it. Some of them camped down London for a while and a couple of weeks ago this bigwig from the Bank of England gave a speech about how their analysis was correct. Again I'm not sure whether that would have clashed with X-Factor RollandSmoke
  • Score: 0

6:19pm Sun 25 Nov 12

RollandSmoke says...

Thee Voice of Reason wrote:
RuggerTyke wrote:
Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan.

Oh what a wonderful world.
I mentioned this a few posts in.
Where was Mr Sutcliffe for comment on this story?
TVOR I came across a site that had used a T&A story including comments from you and I + a couple of others. You might want to have a read to see if you remember writing it
http://www.freealcoh
oltreatment.org/2179
/cost-to-nhs-of-trea
ting-drinkers-over-5
5-is-simply-staggeri
ng/
[quote][p][bold]Thee Voice of Reason[/bold] wrote: [quote][p][bold]RuggerTyke[/bold] wrote: Isn't there one in Bradford masquerading as its pride, emblazoning its name on the - ironically - financially depleted Rugby side, to much hoopla from fellow MPs with vested interests whose fan base are amongst those who , much like Newcastle United, would turn to such Corporate Samaritan. Oh what a wonderful world.[/p][/quote]I mentioned this a few posts in. Where was Mr Sutcliffe for comment on this story?[/p][/quote]TVOR I came across a site that had used a T&A story including comments from you and I + a couple of others. You might want to have a read to see if you remember writing it http://www.freealcoh oltreatment.org/2179 /cost-to-nhs-of-trea ting-drinkers-over-5 5-is-simply-staggeri ng/ RollandSmoke
  • Score: 0

7:22pm Sun 25 Nov 12

Shelfrhino says...

It's time we let the thick and the idle fend for themselves.
I'm not talking about genuine cases like the RAF guy, I'm talking about the feckless breeders who contribute nothing to society except a load of problem kids and all the trouble and expense that incurs. People like a the landless peasant, who's hardest task is dragging their butt to the dole office and others should have all benefits withdrawn.
A good hard winter would cull a lot of the idle druggie/alchy types off. This would be a start, we cannot as a nation afford to keep wretches like this anymore.
I pay a lot of tax, and I'm sick of it going to lost causes. Time for a rethink.
It's time we let the thick and the idle fend for themselves. I'm not talking about genuine cases like the RAF guy, I'm talking about the feckless breeders who contribute nothing to society except a load of problem kids and all the trouble and expense that incurs. People like a the landless peasant, who's hardest task is dragging their butt to the dole office and others should have all benefits withdrawn. A good hard winter would cull a lot of the idle druggie/alchy types off. This would be a start, we cannot as a nation afford to keep wretches like this anymore. I pay a lot of tax, and I'm sick of it going to lost causes. Time for a rethink. Shelfrhino
  • Score: 0

7:29pm Sun 25 Nov 12

RollandSmoke says...

Shelfrhino wrote:
It's time we let the thick and the idle fend for themselves.
I'm not talking about genuine cases like the RAF guy, I'm talking about the feckless breeders who contribute nothing to society except a load of problem kids and all the trouble and expense that incurs. People like a the landless peasant, who's hardest task is dragging their butt to the dole office and others should have all benefits withdrawn.
A good hard winter would cull a lot of the idle druggie/alchy types off. This would be a start, we cannot as a nation afford to keep wretches like this anymore.
I pay a lot of tax, and I'm sick of it going to lost causes. Time for a rethink.
You'll be glad to know that between Jan-Dec 2011 10,600 of these drains on society were culled within six weeks of being found fit for work by ATOS. I know the pace of the genocide may be a little slow for your taste but you can't knock the government on the progress that's being made.
[quote][p][bold]Shelfrhino[/bold] wrote: It's time we let the thick and the idle fend for themselves. I'm not talking about genuine cases like the RAF guy, I'm talking about the feckless breeders who contribute nothing to society except a load of problem kids and all the trouble and expense that incurs. People like a the landless peasant, who's hardest task is dragging their butt to the dole office and others should have all benefits withdrawn. A good hard winter would cull a lot of the idle druggie/alchy types off. This would be a start, we cannot as a nation afford to keep wretches like this anymore. I pay a lot of tax, and I'm sick of it going to lost causes. Time for a rethink.[/p][/quote]You'll be glad to know that between Jan-Dec 2011 10,600 of these drains on society were culled within six weeks of being found fit for work by ATOS. I know the pace of the genocide may be a little slow for your taste but you can't knock the government on the progress that's being made. RollandSmoke
  • Score: 0

8:08pm Sun 25 Nov 12

Another Landless Peasant says...

Yes Shelfrhino, it is time for people like you to have a huge re-think. Go right back to basics in your thought process, consider the reason you are here, what does your life mean? What is it that you will take away with you when you depart? Will it be your comfortable home, your valued possessions, your material wealth? or will it be something less tangible, perhaps spiritual wealth, insight, compassion? Remember the words of that famous socialist who walked the earth 2000 years ago, the One who came to teach you these things;

"sell your possessions, give your money to the poor, and come follow me".
Yes Shelfrhino, it is time for people like you to have a huge re-think. Go right back to basics in your thought process, consider the reason you are here, what does your life mean? What is it that you will take away with you when you depart? Will it be your comfortable home, your valued possessions, your material wealth? or will it be something less tangible, perhaps spiritual wealth, insight, compassion? Remember the words of that famous socialist who walked the earth 2000 years ago, the One who came to teach you these things; "sell your possessions, give your money to the poor, and come follow me". Another Landless Peasant
  • Score: 0

8:11pm Sun 25 Nov 12

Another Landless Peasant says...

YOU'RE ALL INVITED AROUND TO DAVID CAMERON'S HOUSE THIS CHRISTMAS, PLENTY OF CHAMPAGNE AND FOOD GALORE, EVERYONE WELCOME, AFTER ALL WE ARE ALL IN THIS TOGETHER AREN'T WE?
YOU'RE ALL INVITED AROUND TO DAVID CAMERON'S HOUSE THIS CHRISTMAS, PLENTY OF CHAMPAGNE AND FOOD GALORE, EVERYONE WELCOME, AFTER ALL WE ARE ALL IN THIS TOGETHER AREN'T WE? Another Landless Peasant
  • Score: 0

8:41pm Sun 25 Nov 12

Shelfrhino says...

Another Landless Peasant wrote:
Yes Shelfrhino, it is time for people like you to have a huge re-think. Go right back to basics in your thought process, consider the reason you are here, what does your life mean? What is it that you will take away with you when you depart? Will it be your comfortable home, your valued possessions, your material wealth? or will it be something less tangible, perhaps spiritual wealth, insight, compassion? Remember the words of that famous socialist who walked the earth 2000 years ago, the One who came to teach you these things;

"sell your possessions, give your money to the poor, and come follow me".
I didn't think you communists believed in all that mumbo jumbo, I know I don't.
What I have I work hard for, I have a good job, nice house and car and my family is well provided for. These are the things I care about, what happens when I depart this life matters not, only that my wife and family are well sorted after I am gone.
You want to try it, that way you won't have to hope some fictional character smiles benevolently on you and yours once you've popped your clogs.
[quote][p][bold]Another Landless Peasant[/bold] wrote: Yes Shelfrhino, it is time for people like you to have a huge re-think. Go right back to basics in your thought process, consider the reason you are here, what does your life mean? What is it that you will take away with you when you depart? Will it be your comfortable home, your valued possessions, your material wealth? or will it be something less tangible, perhaps spiritual wealth, insight, compassion? Remember the words of that famous socialist who walked the earth 2000 years ago, the One who came to teach you these things; "sell your possessions, give your money to the poor, and come follow me".[/p][/quote]I didn't think you communists believed in all that mumbo jumbo, I know I don't. What I have I work hard for, I have a good job, nice house and car and my family is well provided for. These are the things I care about, what happens when I depart this life matters not, only that my wife and family are well sorted after I am gone. You want to try it, that way you won't have to hope some fictional character smiles benevolently on you and yours once you've popped your clogs. Shelfrhino
  • Score: 0

9:41pm Sun 25 Nov 12

Another Landless Peasant says...

Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase;
'there but for the grace of God go I'. When your time comes you are in for a BIG shock!
Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase; 'there but for the grace of God go I'. When your time comes you are in for a BIG shock! Another Landless Peasant
  • Score: 0

10:36pm Sun 25 Nov 12

Simply the truth!!! says...

If you can't afford to pay the debt then don't borrow any money.
If you can't afford to pay the debt then don't borrow any money. Simply the truth!!!
  • Score: 0

11:15pm Sun 25 Nov 12

Another Landless Peasant says...

"If you can't afford to pay the debt then don't borrow any money."

Tell that to the Tories who have increased borrowing despite their continuous lies that Labour caused the recession.
"If you can't afford to pay the debt then don't borrow any money." Tell that to the Tories who have increased borrowing despite their continuous lies that Labour caused the recession. Another Landless Peasant
  • Score: 0

11:17pm Sun 25 Nov 12

Another Landless Peasant says...

I bet we'll see a huge increase in shoplifting this Christmas.
I bet we'll see a huge increase in shoplifting this Christmas. Another Landless Peasant
  • Score: 0

11:19pm Sun 25 Nov 12

Another Landless Peasant says...

I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR. Another Landless Peasant
  • Score: 0

11:29pm Sun 25 Nov 12

Save2020 says...

If the government are going to let these companies exist within rules of their own, then why can't the loan companies be not allowed to lend to anyone who already has a payday loan?
If the government are going to let these companies exist within rules of their own, then why can't the loan companies be not allowed to lend to anyone who already has a payday loan? Save2020
  • Score: 0

11:40pm Sun 25 Nov 12

Shelfrhino says...

Another Landless Peasant wrote:
Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase;
'there but for the grace of God go I'. When your time comes you are in for a BIG shock!
That is what is wrong with socialism, it rewards the the useless, unlike nature which lets the useless die off. Give me nature anytime.
As far as my possessions go, next time you see me driving down the street in my BMW bundle of vibrating particles held together by my own mind, step out in front of me and put your theory to the test you fool, you may get to meet your 2000 year old socialist, although I wouldn't count on it.
[quote][p][bold]Another Landless Peasant[/bold] wrote: Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase; 'there but for the grace of God go I'. When your time comes you are in for a BIG shock![/p][/quote]That is what is wrong with socialism, it rewards the the useless, unlike nature which lets the useless die off. Give me nature anytime. As far as my possessions go, next time you see me driving down the street in my BMW bundle of vibrating particles held together by my own mind, step out in front of me and put your theory to the test you fool, you may get to meet your 2000 year old socialist, although I wouldn't count on it. Shelfrhino
  • Score: 0

12:18am Mon 26 Nov 12

RollandSmoke says...

Another Landless Peasant wrote:
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
What's the difference if they're all Common Purpose?
[quote][p][bold]Another Landless Peasant[/bold] wrote: I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.[/p][/quote]What's the difference if they're all Common Purpose? RollandSmoke
  • Score: 0

9:12am Mon 26 Nov 12

Thee Voice of Reason says...

RollandSmoke wrote:
Another Landless Peasant wrote:
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
What's the difference if they're all Common Purpose?
He's to dim and shortsighted to realise they are all the same.
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.[/p][/quote]What's the difference if they're all Common Purpose?[/p][/quote]He's to dim and shortsighted to realise they are all the same. Thee Voice of Reason
  • Score: 0

10:00am Mon 26 Nov 12

Outraged English Subject says...

Thee Voice of Reason wrote:
RollandSmoke wrote:
Another Landless Peasant wrote:
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
What's the difference if they're all Common Purpose?
He's to dim and shortsighted to realise they are all the same.
ALL pi$$ in the same pot.
[quote][p][bold]Thee Voice of Reason[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.[/p][/quote]What's the difference if they're all Common Purpose?[/p][/quote]He's to dim and shortsighted to realise they are all the same.[/p][/quote]ALL pi$$ in the same pot. Outraged English Subject
  • Score: 0

10:47am Mon 26 Nov 12

Andy2010 says...

Shelfrhino wrote:
Another Landless Peasant wrote: Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase; 'there but for the grace of God go I'. When your time comes you are in for a BIG shock!
That is what is wrong with socialism, it rewards the the useless, unlike nature which lets the useless die off. Give me nature anytime. As far as my possessions go, next time you see me driving down the street in my BMW bundle of vibrating particles held together by my own mind, step out in front of me and put your theory to the test you fool, you may get to meet your 2000 year old socialist, although I wouldn't count on it.
LOL ^^ best post this thread

Material things dont actually exist ? well bugger me what the hell have I been doing all these years working to put a roof over my families head, keep them warm, educate my children with foreign holidays, buy cars and other "material" things.

Mind you if I hadnt my bank balance would make me "rich" which apparently Im meant to give to the poor ? How do I do that is they dont exist?

Im confused now...does God still love me or am I going to hell for providing all the above to my family?

Oh and of course this is all the tories fault.....
[quote][p][bold]Shelfrhino[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: Communists? Ever heard of Christian Socialism? Your nice house and car mean nothing, in fact they don't really exist, they are just figments of your imagination, just vibrating particles of light held together by your own mind. And you take none of them with you. As for your precious family, what will happen when one of them falls foul of this evil capitalists society? What then? Is your son/daughter to be branded a scrounger, a feckless and worthless "lost cause" ? What if they become addicted to alcohol? Should thye receive no help? What if they (or you for that matter) become unemployed? You might change your selfish little tune then. It's all "me, me, me" with the yopur sort. "I pay my taxes" bal blah blah. GOOD I"M GLAD YOU DO, THAT IS HOW SOCIALISM WORKS YOU SELFISH TOSSSSER. Consider this phrase; 'there but for the grace of God go I'. When your time comes you are in for a BIG shock![/p][/quote]That is what is wrong with socialism, it rewards the the useless, unlike nature which lets the useless die off. Give me nature anytime. As far as my possessions go, next time you see me driving down the street in my BMW bundle of vibrating particles held together by my own mind, step out in front of me and put your theory to the test you fool, you may get to meet your 2000 year old socialist, although I wouldn't count on it.[/p][/quote]LOL ^^ best post this thread Material things dont actually exist ? well bugger me what the hell have I been doing all these years working to put a roof over my families head, keep them warm, educate my children with foreign holidays, buy cars and other "material" things. Mind you if I hadnt my bank balance would make me "rich" which apparently Im meant to give to the poor ? How do I do that is they dont exist? Im confused now...does God still love me or am I going to hell for providing all the above to my family? Oh and of course this is all the tories fault..... Andy2010
  • Score: 0

11:38am Mon 26 Nov 12

RollandSmoke says...

Happiness doesn't cost a penny but all the money in the world can't buy it if you don't have it within you.
Happiness doesn't cost a penny but all the money in the world can't buy it if you don't have it within you. RollandSmoke
  • Score: 0

11:57am Mon 26 Nov 12

Another Landless Peasant says...

Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth.
Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth. Another Landless Peasant
  • Score: 0

12:01pm Mon 26 Nov 12

Albion. says...

Another Landless Peasant wrote:
Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth.
Especially as you are supported by the rest of us.
[quote][p][bold]Another Landless Peasant[/bold] wrote: Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth.[/p][/quote]Especially as you are supported by the rest of us. Albion.
  • Score: 0

12:57pm Mon 26 Nov 12

Andy2010 says...

Another Landless Peasant wrote:
Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth.
BMW..how very dare you...I have a Mercedes I'll have you know

And this BIG shock you speak of when "my time comes". I take it you mean when I die?

Well i wont know about it will I (because I'll be dead) and I would question how you know about this.

Are you some sort of evil dead that knows whats happens when you die? What sorcery is this ?

And seeing as you have no use for material wealth I take it you will be giving up all the benefits you receive and living off the land now for the future. You could create some sort of tory hating utopia in a forest somewhere where you can all pick berries all day long then sit around the campfire at night telling your followers what will happen to the outside world when they die and the devil that is David Cameron will be cast aside for the Lord Saviour that is Ed Balls.

Id cut down on the weed if I was you mate
[quote][p][bold]Another Landless Peasant[/bold] wrote: Andy, you know nothing, and are in for a BIG shock when your time comes. I don't give a stuff about your BMW, I really don't. I have no use for material wealth.[/p][/quote]BMW..how very dare you...I have a Mercedes I'll have you know And this BIG shock you speak of when "my time comes". I take it you mean when I die? Well i wont know about it will I (because I'll be dead) and I would question how you know about this. Are you some sort of evil dead that knows whats happens when you die? What sorcery is this ? And seeing as you have no use for material wealth I take it you will be giving up all the benefits you receive and living off the land now for the future. You could create some sort of tory hating utopia in a forest somewhere where you can all pick berries all day long then sit around the campfire at night telling your followers what will happen to the outside world when they die and the devil that is David Cameron will be cast aside for the Lord Saviour that is Ed Balls. Id cut down on the weed if I was you mate Andy2010
  • Score: 0

2:26pm Mon 26 Nov 12

Thee Voice of Reason says...

Another Landless Peasant wrote:
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
Is this the same Labour who have taken foster children off a family simply because they are members of UKIP.
Disgraceful.
[quote][p][bold]Another Landless Peasant[/bold] wrote: I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.[/p][/quote]Is this the same Labour who have taken foster children off a family simply because they are members of UKIP. Disgraceful. Thee Voice of Reason
  • Score: 0

2:32pm Mon 26 Nov 12

Shelfrhino says...

Religion is for the weak I'm afraid.
Read the story in the T&A today about genital mutilation, all done in the name of religion, great that.
Socialist are always good at spending other people money, the trouble is they always run out because they are so busy taking care of the spongers they create more spongers.
Hopefully, as I said, a good hard winter on the way to thin the ranks a bit :)
Religion is for the weak I'm afraid. Read the story in the T&A today about genital mutilation, all done in the name of religion, great that. Socialist are always good at spending other people money, the trouble is they always run out because they are so busy taking care of the spongers they create more spongers. Hopefully, as I said, a good hard winter on the way to thin the ranks a bit :) Shelfrhino
  • Score: 0

2:56pm Mon 26 Nov 12

Shelfrhino says...

Thee Voice of Reason wrote:
Another Landless Peasant wrote:
I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.
Is this the same Labour who have taken foster children off a family simply because they are members of UKIP.
Disgraceful.
A typical Labour dirty trick.
They're terrified of UKIP doing well in the upcoming by-election in Rotherham, you know, the by-election being called because the "socialist Labour " MP was caught with his greedy snout in the trough.
How do you explain that one eh, landless peasant? Vote Labour my a***.
[quote][p][bold]Thee Voice of Reason[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: I blame it on the middle-class liberals who voted for Nick Clegg instead of having the sense to vote Labour, thereby landing us with the Tory menace instead. NEXT TIME VOTE LABOUR.[/p][/quote]Is this the same Labour who have taken foster children off a family simply because they are members of UKIP. Disgraceful.[/p][/quote]A typical Labour dirty trick. They're terrified of UKIP doing well in the upcoming by-election in Rotherham, you know, the by-election being called because the "socialist Labour " MP was caught with his greedy snout in the trough. How do you explain that one eh, landless peasant? Vote Labour my a***. Shelfrhino
  • Score: 0

3:14pm Mon 26 Nov 12

Parz says...

If material wealth means nothing to him, I wonder why Landless Peasant is so intent on taxing the rich and giving to the poor? Surely such things should not concern him?

Also, I wonder why it matters that he's a "Landless" peasant? Surely he more of a "bunch of vibrating particles of light"less peasant?
If material wealth means nothing to him, I wonder why Landless Peasant is so intent on taxing the rich and giving to the poor? Surely such things should not concern him? Also, I wonder why it matters that he's a "Landless" peasant? Surely he more of a "bunch of vibrating particles of light"less peasant? Parz
  • Score: 0

3:34pm Mon 26 Nov 12

RollandSmoke says...

Don't listen to them Landless. These people think their penal gland is what they tug on an evening.
Don't listen to them Landless. These people think their penal gland is what they tug on an evening. RollandSmoke
  • Score: 0

3:40pm Mon 26 Nov 12

Andy2010 says...

RollandSmoke wrote:
Don't listen to them Landless. These people think their penal gland is what they tug on an evening.
Obscure words you continuously throw into discussions dont make you intelligent you know
[quote][p][bold]RollandSmoke[/bold] wrote: Don't listen to them Landless. These people think their penal gland is what they tug on an evening.[/p][/quote]Obscure words you continuously throw into discussions dont make you intelligent you know Andy2010
  • Score: 0

4:07pm Mon 26 Nov 12

Outraged English Subject says...

Pineal gland ;-)
Pineal gland ;-) Outraged English Subject
  • Score: 0

5:50pm Mon 26 Nov 12

Another Landless Peasant says...

Phook all you Tory tosspots, and to hell with UKIP. Labour will win the next general election, and you all know it.
Phook all you Tory tosspots, and to hell with UKIP. Labour will win the next general election, and you all know it. Another Landless Peasant
  • Score: 0

6:23pm Mon 26 Nov 12

RedLabel says...

Thee Voice of Reason wrote:
MP Gerry Sutcliffe seems not to be too bothered about these companies now his Bulls are being sponsored by one.
The T&A also seemed to think they are a good positive company not so long back.
Not relevant, but I saw Gerry Sutcliffe outsde the Ice Rink a couple of weeks ago. He was rushing off somewhere on foot.
[quote][p][bold]Thee Voice of Reason[/bold] wrote: MP Gerry Sutcliffe seems not to be too bothered about these companies now his Bulls are being sponsored by one. The T&A also seemed to think they are a good positive company not so long back.[/p][/quote]Not relevant, but I saw Gerry Sutcliffe outsde the Ice Rink a couple of weeks ago. He was rushing off somewhere on foot. RedLabel
  • Score: 0

12:11am Tue 27 Nov 12

Reality50 says...

Labour have ruined Britain and flooded the country with immigrants many of them jobless or unable to speak English. The three main parties are a waste of time but Labour are by far the worst of them.Sadly for Bradford you have two choices Labour or the Muslim Par...sorry I mean Respect Party so frankly there is no hope. Only UKIP or BNP could change things but they've no chance in Bradford.
Labour have ruined Britain and flooded the country with immigrants many of them jobless or unable to speak English. The three main parties are a waste of time but Labour are by far the worst of them.Sadly for Bradford you have two choices Labour or the Muslim Par...sorry I mean Respect Party so frankly there is no hope. Only UKIP or BNP could change things but they've no chance in Bradford. Reality50
  • Score: 0

12:14am Tue 27 Nov 12

Reality50 says...

As for payday lenders they will make a mint as it is hard to say no to kids at Christmas for many parents and the banks won't lend and with most credit unions having failed then many people are desperate sadly. For the article to say don't buy from a payday firm is easier said than done for many.
As for payday lenders they will make a mint as it is hard to say no to kids at Christmas for many parents and the banks won't lend and with most credit unions having failed then many people are desperate sadly. For the article to say don't buy from a payday firm is easier said than done for many. Reality50
  • Score: 0

8:51am Tue 27 Nov 12

Andy2010 says...

Reality50 wrote:
Labour have ruined Britain and flooded the country with immigrants many of them jobless or unable to speak English. The three main parties are a waste of time but Labour are by far the worst of them.Sadly for Bradford you have two choices Labour or the Muslim Par...sorry I mean Respect Party so frankly there is no hope. Only UKIP or BNP could change things but they've no chance in Bradford.
hear hear
[quote][p][bold]Reality50[/bold] wrote: Labour have ruined Britain and flooded the country with immigrants many of them jobless or unable to speak English. The three main parties are a waste of time but Labour are by far the worst of them.Sadly for Bradford you have two choices Labour or the Muslim Par...sorry I mean Respect Party so frankly there is no hope. Only UKIP or BNP could change things but they've no chance in Bradford.[/p][/quote]hear hear Andy2010
  • Score: 0

1:28pm Tue 27 Nov 12

Outraged English Subject says...

When things get tough Look where the sh!t£ run too!
When things get tough Look where the sh!t£ run too! Outraged English Subject
  • Score: 0

2:26pm Wed 28 Nov 12

WayneRouke says...

WONGA APR =4214%
Paydaybox.co.uk APR = 2614%
PayDay.co.uk APR = 2120%

Pounds to pocket APR = 278%
Provident APR = 272% APR

Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical)

Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.).

The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears.

Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more.

A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place.

EG, Debt is £8.00, bounced, do debt is still £8.00

PLUS £12.00 for bounce charges
PLUS £12.00 for retry/representation

PLUS £12.00 Overdraft fee
PLUS interest on the overdraft.

So thats at least £36.00 on an £8.00 debt, APR over 300%..

When you look at it, the bank is worse.
WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse. WayneRouke
  • Score: 0

3:22pm Wed 28 Nov 12

Andy2010 says...

WayneRouke wrote:
WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.
Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse

Alas I have found most people just resort to slagging off these companies without actually understanding APR
[quote][p][bold]WayneRouke[/bold] wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.[/p][/quote]Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR Andy2010
  • Score: 0

4:13pm Wed 28 Nov 12

WayneRouke says...

Andy2010 wrote:
WayneRouke wrote:
WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.
Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse

Alas I have found most people just resort to slagging off these companies without actually understanding APR
Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself).

Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00
(more if you default and dont pay up on time),

Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference),

That means you only have to go two months extra overdraft and the bank is actually more expensive..

Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less.

Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers..

But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account..

The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]WayneRouke[/bold] wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.[/p][/quote]Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR[/p][/quote]Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)... WayneRouke
  • Score: 0

4:19pm Wed 28 Nov 12

Andy2010 says...

WayneRouke wrote:
Andy2010 wrote:
WayneRouke wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.
Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR
Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...
Another excellent illustration

I feel these companies such as Provident who have been labelled with things like "doorstep lending", "Legal Loan Sharks", "Payday loans" are really fighting an uphill struggle and stupid documenteries on the BBC dont help.

If people took time as you have done yourself above to consider borrowing from various instituations they would actually realise they are all basically the same but because of the jargon and credit terms used by banks they are clever in tricking the consumer into beleiving they are actually cheaper than companies such as Provident who tell it straight
[quote][p][bold]WayneRouke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]WayneRouke[/bold] wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.[/p][/quote]Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR[/p][/quote]Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...[/p][/quote]Another excellent illustration I feel these companies such as Provident who have been labelled with things like "doorstep lending", "Legal Loan Sharks", "Payday loans" are really fighting an uphill struggle and stupid documenteries on the BBC dont help. If people took time as you have done yourself above to consider borrowing from various instituations they would actually realise they are all basically the same but because of the jargon and credit terms used by banks they are clever in tricking the consumer into beleiving they are actually cheaper than companies such as Provident who tell it straight Andy2010
  • Score: 0

4:33pm Wed 28 Nov 12

WayneRouke says...

Andy2010 wrote:
WayneRouke wrote:
Andy2010 wrote:
WayneRouke wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.
Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR
Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...
Another excellent illustration

I feel these companies such as Provident who have been labelled with things like "doorstep lending", "Legal Loan Sharks", "Payday loans" are really fighting an uphill struggle and stupid documenteries on the BBC dont help.

If people took time as you have done yourself above to consider borrowing from various instituations they would actually realise they are all basically the same but because of the jargon and credit terms used by banks they are clever in tricking the consumer into beleiving they are actually cheaper than companies such as Provident who tell it straight
Please bear in mind that Panorama is misleading in everything it investigates. It only EVER highlights what it finds bad, but NEVER sings praises when they find good.

They found ONE bad lending example,
Out of how many customers??

This happened to be in the countries poorest area. They just 'happened' to apply to be an agent in that area.. That is codswallop.. They applied to be agents in branches all over the country, but they filmed and reported on they only bad one they found.

No company is perfect, and occasionally get a bad egg.

What they did not highlight is that a lot of firms they expose actually return some of their profits by investing in and supporting their local communities. (Wonga sponsors some television program or other).

As for the reselling part of that program, its like criticising Tescos for selling food.. Any lenders product is a LOAN, and their business is lending money. So its in their growth interests to resell and sell more. It would not be a viable business if it didnt.

How many would laugh if Tescos suddenly only ever sold you one can of beans, then refused to do business with you. A loan is no different. its a product of a company, be it Wonga, Provident or Tesco.
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]WayneRouke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]WayneRouke[/bold] wrote: WONGA APR =4214% Paydaybox.co.uk APR = 2614% PayDay.co.uk APR = 2120% Pounds to pocket APR = 278% Provident APR = 272% APR Default charge from bank per month of unauthorised overdraft of £2.00 or unpaid direct debit = Min £12.00 Plus Interest plus recharge for retry.(Hidden or undisclosed APR Astronimical) Standing charge with Halifax of £1.00 per day for any overdraft.. (Hidden/undisclosed) APR variable from low to astronomical.). The point being made is that, whilst the APR of Provident and Poundstopocket may appear high, that is the total amoutn paid, even if you default or go into arears. Banks do not publish their real APR, because they are scared to do so. Its all hidden in charges for this and that. But at the end of the day, its still a charge to the customer, which means they pay more. A typical bank ripoff is bouncing a direct debit of £8.00 due to insufficient funds. But the charges incurred means that the customer is worse off than if the debit had been paid in the first place. EG, Debt is £8.00, bounced, do debt is still £8.00 PLUS £12.00 for bounce charges PLUS £12.00 for retry/representation PLUS £12.00 Overdraft fee PLUS interest on the overdraft. So thats at least £36.00 on an £8.00 debt, APR over 300%.. When you look at it, the bank is worse.[/p][/quote]Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR[/p][/quote]Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...[/p][/quote]Another excellent illustration I feel these companies such as Provident who have been labelled with things like "doorstep lending", "Legal Loan Sharks", "Payday loans" are really fighting an uphill struggle and stupid documenteries on the BBC dont help. If people took time as you have done yourself above to consider borrowing from various instituations they would actually realise they are all basically the same but because of the jargon and credit terms used by banks they are clever in tricking the consumer into beleiving they are actually cheaper than companies such as Provident who tell it straight[/p][/quote]Please bear in mind that Panorama is misleading in everything it investigates. It only EVER highlights what it finds bad, but NEVER sings praises when they find good. They found ONE bad lending example, Out of how many customers?? This happened to be in the countries poorest area. They just 'happened' to apply to be an agent in that area.. That is codswallop.. They applied to be agents in branches all over the country, but they filmed and reported on they only bad one they found. No company is perfect, and occasionally get a bad egg. What they did not highlight is that a lot of firms they expose actually return some of their profits by investing in and supporting their local communities. (Wonga sponsors some television program or other). As for the reselling part of that program, its like criticising Tescos for selling food.. Any lenders product is a LOAN, and their business is lending money. So its in their growth interests to resell and sell more. It would not be a viable business if it didnt. How many would laugh if Tescos suddenly only ever sold you one can of beans, then refused to do business with you. A loan is no different. its a product of a company, be it Wonga, Provident or Tesco. WayneRouke
  • Score: 0

5:39pm Wed 28 Nov 12

hx3bantam says...

Save2020 wrote:
If the government are going to let these companies exist within rules of their own, then why can't the loan companies be not allowed to lend to anyone who already has a payday loan?
These loan companies don't always report to the credit reference agencies which mainstream lenders use to check your suitability and therefore makes the results unreliable.
I wouldn't say you are definitely jeopardising any further funding by having payday loans but you will definitely be scrutinised more thoroughly by a major lender if they are aware. Only seems fair as I would want to know more about the
circumstances before I loaned any money. The payday loan companies should have to accurately report all activity to the credit reference agencies for my money.
[quote][p][bold]Save2020[/bold] wrote: If the government are going to let these companies exist within rules of their own, then why can't the loan companies be not allowed to lend to anyone who already has a payday loan?[/p][/quote]These loan companies don't always report to the credit reference agencies which mainstream lenders use to check your suitability and therefore makes the results unreliable. I wouldn't say you are definitely jeopardising any further funding by having payday loans but you will definitely be scrutinised more thoroughly by a major lender if they are aware. Only seems fair as I would want to know more about the circumstances before I loaned any money. The payday loan companies should have to accurately report all activity to the credit reference agencies for my money. hx3bantam
  • Score: 0

10:52am Thu 29 Nov 12

Gabbysgran says...

I was on the bus the other day, a young girl was on with a baby in a pram, also pregnant and another child about 4. She was talking in a loud voice to the woman in front of her and announcing that she had taken "one of those loans" to buy the Christmas presents for her kids as she "couldn't manage on the social". She also informed everyone within earshot that she only went out drinking once a week(!) and the only thing she couldn't cut back on were her cigs! It really gladdened my heart to think that my hard earned taxes were going to keep this woman churning out kids for us to keep! Don't take out loans chavs, keep your legs crossed and give up smoking - especially when pregnant!
I was on the bus the other day, a young girl was on with a baby in a pram, also pregnant and another child about 4. She was talking in a loud voice to the woman in front of her and announcing that she had taken "one of those loans" to buy the Christmas presents for her kids as she "couldn't manage on the social". She also informed everyone within earshot that she only went out drinking once a week(!) and the only thing she couldn't cut back on were her cigs! It really gladdened my heart to think that my hard earned taxes were going to keep this woman churning out kids for us to keep! Don't take out loans chavs, keep your legs crossed and give up smoking - especially when pregnant! Gabbysgran
  • Score: 0

10:54am Thu 29 Nov 12

Gabbysgran says...

Albion. wrote:
Another Landless Peasant wrote: WE WILL EAT THE RICH.
That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.
Brilliant - spot on Albion! If people like Another Landless Peasant manages to chase all the rich out of the country who is going to pay for his social security lifestyle!
[quote][p][bold]Albion.[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: WE WILL EAT THE RICH.[/p][/quote]That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.[/p][/quote]Brilliant - spot on Albion! If people like Another Landless Peasant manages to chase all the rich out of the country who is going to pay for his social security lifestyle! Gabbysgran
  • Score: 0

11:26am Thu 29 Nov 12

Andy2010 says...

Gabbysgran wrote:
Albion. wrote:
Another Landless Peasant wrote: WE WILL EAT THE RICH.
That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.
Brilliant - spot on Albion! If people like Another Landless Peasant manages to chase all the rich out of the country who is going to pay for his social security lifestyle!
Apparently the Labour party will support us all. None of us will have to work but we all will be rich living off our handouts..

I cant wait...no worries about paying my mortgage or food shopping and I get to go out once a week.

In honesty though I think his brain is that riddled with THC he even has troubles signing his dole book once a fortnight
[quote][p][bold]Gabbysgran[/bold] wrote: [quote][p][bold]Albion.[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: WE WILL EAT THE RICH.[/p][/quote]That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.[/p][/quote]Brilliant - spot on Albion! If people like Another Landless Peasant manages to chase all the rich out of the country who is going to pay for his social security lifestyle![/p][/quote]Apparently the Labour party will support us all. None of us will have to work but we all will be rich living off our handouts.. I cant wait...no worries about paying my mortgage or food shopping and I get to go out once a week. In honesty though I think his brain is that riddled with THC he even has troubles signing his dole book once a fortnight Andy2010
  • Score: 0

11:27am Thu 29 Nov 12

Gabbysgran says...

RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say! Gabbysgran
  • Score: 0

12:34pm Thu 29 Nov 12

Andy2010 says...

Gabbysgran wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!
Your son has the right attitude then. Unfortunately most nowadays dont
[quote][p][bold]Gabbysgran[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say![/p][/quote]Your son has the right attitude then. Unfortunately most nowadays dont Andy2010
  • Score: 0

12:41pm Thu 29 Nov 12

RollandSmoke says...

Andy2010 wrote:
Gabbysgran wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!
Your son has the right attitude then. Unfortunately most nowadays dont
Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]Gabbysgran[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say![/p][/quote]Your son has the right attitude then. Unfortunately most nowadays dont[/p][/quote]Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy RollandSmoke
  • Score: 0

1:36pm Thu 29 Nov 12

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
Gabbysgran wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!
Your son has the right attitude then. Unfortunately most nowadays dont
Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy
Obviously not knowing him I couldnt answer that but how can anyone turn their nose up at someone wanting to and striving to make a success out of their life?
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]Gabbysgran[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say![/p][/quote]Your son has the right attitude then. Unfortunately most nowadays dont[/p][/quote]Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy[/p][/quote]Obviously not knowing him I couldnt answer that but how can anyone turn their nose up at someone wanting to and striving to make a success out of their life? Andy2010
  • Score: 0

3:08pm Thu 29 Nov 12

Gabbysgran says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
Gabbysgran wrote:
RollandSmoke wrote:
webess wrote:
Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!
Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..
Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.
My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!
Your son has the right attitude then. Unfortunately most nowadays dont
Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy
Obviously not knowing him I couldnt answer that but how can anyone turn their nose up at someone wanting to and striving to make a success out of their life?
He is a very successful builder who has worked up to 80/90 hours a week to build up his business - he pays all his tax (as far as I know!)
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]Gabbysgran[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]webess[/bold] wrote: [quote][p][bold]Another Landless Peasant[/bold] wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!![/p][/quote]Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..[/p][/quote]Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.[/p][/quote]My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say![/p][/quote]Your son has the right attitude then. Unfortunately most nowadays dont[/p][/quote]Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy[/p][/quote]Obviously not knowing him I couldnt answer that but how can anyone turn their nose up at someone wanting to and striving to make a success out of their life?[/p][/quote]He is a very successful builder who has worked up to 80/90 hours a week to build up his business - he pays all his tax (as far as I know!) Gabbysgran
  • Score: 0

9:16pm Thu 29 Nov 12

voiceforyouth says...

Bradford Credit Union is a more positive option. Or as mentioned lets return back to the value of why Christmas is celebrated. Lets enjoy time with our families and friends. Presents are nice but they aren't the only way to show you love someone.

Debt is optional when it comes to extras in life.
Bradford Credit Union is a more positive option. Or as mentioned lets return back to the value of why Christmas is celebrated. Lets enjoy time with our families and friends. Presents are nice but they aren't the only way to show you love someone. Debt is optional when it comes to extras in life. voiceforyouth
  • Score: 0

10:10pm Thu 29 Nov 12

WayneRouke says...

voiceforyouth wrote:
Bradford Credit Union is a more positive option. Or as mentioned lets return back to the value of why Christmas is celebrated. Lets enjoy time with our families and friends. Presents are nice but they aren't the only way to show you love someone.

Debt is optional when it comes to extras in life.
How very true.. The word "No" is powerful yet not used enough.

If you cant afford presents, be honest with your family and tell them you cant afford it They wont love you any less for it.(I have, I said we are budgeting each one to a maximum amount, which is within our affordable budget, I also said if they cannot afford it, cut me out, I wont love them any less if they do so.).

And when Wonga and the like advertise on TV, switch channel or unplug/switch off your ears

However, if you cannot say NO, then please do the maths and do not automatically think your bank is the best place to go.
[quote][p][bold]voiceforyouth[/bold] wrote: Bradford Credit Union is a more positive option. Or as mentioned lets return back to the value of why Christmas is celebrated. Lets enjoy time with our families and friends. Presents are nice but they aren't the only way to show you love someone. Debt is optional when it comes to extras in life.[/p][/quote]How very true.. The word "No" is powerful yet not used enough. If you cant afford presents, be honest with your family and tell them you cant afford it They wont love you any less for it.(I have, I said we are budgeting each one to a maximum amount, which is within our affordable budget, I also said if they cannot afford it, cut me out, I wont love them any less if they do so.). And when Wonga and the like advertise on TV, switch channel or unplug/switch off your ears However, if you cannot say NO, then please do the maths and do not automatically think your bank is the best place to go. WayneRouke
  • Score: 0

5:37pm Fri 30 Nov 12

Another Landless Peasant says...

The "I'm alright Jack" attitude of other commenters makes me sick to my stomach. I was always taught that you do not put yourself first, you put others before yourself, as Jesus Christ taught us. And as for don't borrow to buy Christmas presents, fair enough, but what about take out a loan so you can put the heating on or buy food? many people have to choose between heating and eating, I know because I'm one of them.
The "I'm alright Jack" attitude of other commenters makes me sick to my stomach. I was always taught that you do not put yourself first, you put others before yourself, as Jesus Christ taught us. And as for don't borrow to buy Christmas presents, fair enough, but what about take out a loan so you can put the heating on or buy food? many people have to choose between heating and eating, I know because I'm one of them. Another Landless Peasant
  • Score: 0

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