Concern over short-term loan firm's plan to open in Bradford city centre

Concern over short-term loan firm's plan to open in Bradford city centre

Concern over short-term loan firm's plan to open in Bradford city centre

First published in News
Last updated
Bradford Telegraph and Argus: Photograph of the Author by , T&A Reporter

Concerns have been raised after a short-term loan lender signalled its intent to set up a shop in a prime location in Bradford city centre.

Croydon-based Oakam Ltd, which opened its first branch in 2007 and now has 22 outlets across London and the Midlands, has submitted a planning application to Bradford Council to develop a former jewellers store at 2 Tyrrel Street.

But councillors and the organisation representing city centre traders sounded a note of caution.

On its website, Oakam describes its services as a “high-cost credit product, suitable for short-term needs and not for longer-term borrowing.”

It advertises a 676.6 annual percentage rate, based on an annual interest rate of 977.4 per cent, with loans of £200 to £600 available over three to six months. Paying back a £600 loan in monthly installments over six months would cost £955.

Councillor Imran Hussain, deputy leader of Bradford Council, said: “We have to be mindful in terms of loan companies, as in some cases they do charge extortionate rates.”

Liberal Democrats group leader, Councillor Jeanette Sunderland, said the application would provide “a good test of the Council’s actions” on the type of company it wanted to give permission to in the city centre.

Mary Frame, of Bradford Chamber of Trade, said the group would not support the proposal, as loan companies would not help attract people into the city.

“Prime city centre locations shouldn’t be going to this type of firm, and it is disappointing that we can’t attract a higher calibre of business,” she said.

Research by Bradford-based debt charity Christians Against Poverty (CAP) revealed that four out of five of its clients who took out a payday loan last year did so to cover basic food costs.

A spokesman said CAP could not welcome another short-term lender arriving in the city centre. “We know from our own research that people using their services are often doing so out of desperation. We would prefer to see those same people getting help with their financial problems in the long term,” said the spokesman.

The proposal comes after the Council relaxed planning regulations last week in a bid to tackle the blight of empty shops in the city. The new rules mean developers do not have to apply for change of use to open shops, restaurants, bars or offices, but still need planning permission for certain types of business.

A spokesman for Oakam said: “We are not in a position to offer any comment, apart from to clarify that we are not a payday lender.”

Comments (15)

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9:45am Mon 17 Mar 14

sorrow&anger says...

If it walks like a duck and quacks like a duck … Of course it's a payday lender and as such should be kept out of the city centre. Nothing advertises the true state of a city more than the number of betting shops, pound shops, and payday lenders.
If it walks like a duck and quacks like a duck … Of course it's a payday lender and as such should be kept out of the city centre. Nothing advertises the true state of a city more than the number of betting shops, pound shops, and payday lenders. sorrow&anger
  • Score: 10

10:21am Mon 17 Mar 14

linebacker2 says...

If an adult wants to lend money and someone else wants to borrow why should we intervene?
If an adult wants to lend money and someone else wants to borrow why should we intervene? linebacker2
  • Score: 0

11:00am Mon 17 Mar 14

BierleyBoy says...

The council can refuse permission for this business. But only if it gets rid of all the betting shops and gambling arcades.
The council can refuse permission for this business. But only if it gets rid of all the betting shops and gambling arcades. BierleyBoy
  • Score: -2

12:39pm Mon 17 Mar 14

angry bradfordian says...

"Mary Frame, of Bradford Chamber of Trade, said the group would not support the proposal, as loan companies would not help attract people into the city.
“Prime city centre locations shouldn’t be going to this type of firm, and it is disappointing that we can’t attract a higher calibre of business,” she said."

She presumably meant that it won't attract the RIGHT people into the city? Why would a company invest in a new shop if they didn't think it was going to attract customers?
It sounds like she'd rather have an empty property than one selling completely legal (albeit questionable) services.
"Mary Frame, of Bradford Chamber of Trade, said the group would not support the proposal, as loan companies would not help attract people into the city. “Prime city centre locations shouldn’t be going to this type of firm, and it is disappointing that we can’t attract a higher calibre of business,” she said." She presumably meant that it won't attract the RIGHT people into the city? Why would a company invest in a new shop if they didn't think it was going to attract customers? It sounds like she'd rather have an empty property than one selling completely legal (albeit questionable) services. angry bradfordian
  • Score: 3

1:40pm Mon 17 Mar 14

RollandSmoke says...

Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain. RollandSmoke
  • Score: -9

2:04pm Mon 17 Mar 14

basil fawlty says...

BierleyBoy wrote:
The council can refuse permission for this business. But only if it gets rid of all the betting shops and gambling arcades.
My main concern is the potential loss of a prime shopping site at a time when the city centre has reached a turning point for the better and will soon be attracting the right kind of businesses to move the city forward.
[quote][p][bold]BierleyBoy[/bold] wrote: The council can refuse permission for this business. But only if it gets rid of all the betting shops and gambling arcades.[/p][/quote]My main concern is the potential loss of a prime shopping site at a time when the city centre has reached a turning point for the better and will soon be attracting the right kind of businesses to move the city forward. basil fawlty
  • Score: 0

2:23pm Mon 17 Mar 14

linebacker2 says...

RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure.
[quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure. linebacker2
  • Score: 10

2:46pm Mon 17 Mar 14

angry bradfordian says...

RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
It must be miserable to believe that everything in the country is so bad when compared with the glorious past.

When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money.

The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.
[quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]It must be miserable to believe that everything in the country is so bad when compared with the glorious past. When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money. The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford. angry bradfordian
  • Score: 8

3:55pm Mon 17 Mar 14

RollandSmoke says...

angry bradfordian wrote:
RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
It must be miserable to believe that everything in the country is so bad when compared with the glorious past.

When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money.

The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.
You do talk out of your backside don't you? There has never been a glorious past for the poor. There were times when it looked like steps were being taken to improve their lot but sod that we can't be doing stuff like that can we? We'd rather have them constantly in a state of desperation so they will do as they are told to make the rich their money whilst being viewed as something that you've trodden in by the likes of yourself. I'd start educating you about the trouble that the usury system has got some people into over history and I don't mean the people forced to take out the loans but knowing you you'll twist it and accuse me of anti-semitism, you know, that thing where a political ideology hides behind a religion in order to avoid critisism. Would you care to explain why these firms target their advertising at children using puppets and catchy jingles that the 3 year olds wander round the house singing to themselves? Do you approve of that also? Didn't you have enough? Well by all means carry on looking with envious eyes at those who did if that's what you want to do. I don't doubt where you are you see loads of flashy new cars and for the most part if it's over £30,000 it will have been bought by someone who spends their "working" sat behind a desk doing not a great deal while the poor saps getting paid a pittance do all the work. I'm sure you know the types I'm talking about. We get a fair few on here who get so bored at work with nothing to do that they find they have to come on here and find some non descript story to comment on. Unless of course that IS what they are paid to do. What's the average earnings for that at the moment?
[quote][p][bold]angry bradfordian[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]It must be miserable to believe that everything in the country is so bad when compared with the glorious past. When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money. The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.[/p][/quote]You do talk out of your backside don't you? There has never been a glorious past for the poor. There were times when it looked like steps were being taken to improve their lot but sod that we can't be doing stuff like that can we? We'd rather have them constantly in a state of desperation so they will do as they are told to make the rich their money whilst being viewed as something that you've trodden in by the likes of yourself. I'd start educating you about the trouble that the usury system has got some people into over history and I don't mean the people forced to take out the loans but knowing you you'll twist it and accuse me of anti-semitism, you know, that thing where a political ideology hides behind a religion in order to avoid critisism. Would you care to explain why these firms target their advertising at children using puppets and catchy jingles that the 3 year olds wander round the house singing to themselves? Do you approve of that also? Didn't you have enough? Well by all means carry on looking with envious eyes at those who did if that's what you want to do. I don't doubt where you are you see loads of flashy new cars and for the most part if it's over £30,000 it will have been bought by someone who spends their "working" sat behind a desk doing not a great deal while the poor saps getting paid a pittance do all the work. I'm sure you know the types I'm talking about. We get a fair few on here who get so bored at work with nothing to do that they find they have to come on here and find some non descript story to comment on. Unless of course that IS what they are paid to do. What's the average earnings for that at the moment? RollandSmoke
  • Score: -6

4:15pm Mon 17 Mar 14

RollandSmoke says...

linebacker2 wrote:
RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure.
You know this regulation that you Tories keep harping on about and how it was the failure to regulate despite the Tory's objections whenever the idea was discussed at the time that caused all the problems in the financial industry? Well when exactly are the Tories going to start on their regulations? They've been in 4 years now, what have they done in terms of regulating the financial sector. These firms may have formed under labour but they were not taking prime locations on our highstreets. Right next to the Bookies. Oh who's that coming out the door? It's Philip Davies. I never had him pegged as a gambler, I hope he's not lost too much money.
[quote][p][bold]linebacker2[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure.[/p][/quote]You know this regulation that you Tories keep harping on about and how it was the failure to regulate despite the Tory's objections whenever the idea was discussed at the time that caused all the problems in the financial industry? Well when exactly are the Tories going to start on their regulations? They've been in 4 years now, what have they done in terms of regulating the financial sector. These firms may have formed under labour but they were not taking prime locations on our highstreets. Right next to the Bookies. Oh who's that coming out the door? It's Philip Davies. I never had him pegged as a gambler, I hope he's not lost too much money. RollandSmoke
  • Score: -3

4:48pm Mon 17 Mar 14

RollandSmoke says...

RollandSmoke wrote:
linebacker2 wrote:
RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure.
You know this regulation that you Tories keep harping on about and how it was the failure to regulate despite the Tory's objections whenever the idea was discussed at the time that caused all the problems in the financial industry? Well when exactly are the Tories going to start on their regulations? They've been in 4 years now, what have they done in terms of regulating the financial sector. These firms may have formed under labour but they were not taking prime locations on our highstreets. Right next to the Bookies. Oh who's that coming out the door? It's Philip Davies. I never had him pegged as a gambler, I hope he's not lost too much money.
No he can't have done he was laughing all the way to the bank. Didn't banks used to do loans? I wonder how their interest rates compare?
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]linebacker2[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]You seem to have forgotten that it was Labour who surfed on a wave of consumer borrowing and the majority of payday loan companies were founded during Labours tenure.[/p][/quote]You know this regulation that you Tories keep harping on about and how it was the failure to regulate despite the Tory's objections whenever the idea was discussed at the time that caused all the problems in the financial industry? Well when exactly are the Tories going to start on their regulations? They've been in 4 years now, what have they done in terms of regulating the financial sector. These firms may have formed under labour but they were not taking prime locations on our highstreets. Right next to the Bookies. Oh who's that coming out the door? It's Philip Davies. I never had him pegged as a gambler, I hope he's not lost too much money.[/p][/quote]No he can't have done he was laughing all the way to the bank. Didn't banks used to do loans? I wonder how their interest rates compare? RollandSmoke
  • Score: -3

5:06pm Mon 17 Mar 14

Grumpygirl says...

angry bradfordian wrote:
RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
It must be miserable to believe that everything in the country is so bad when compared with the glorious past.

When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money.

The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.
You mean like food?
[quote][p][bold]angry bradfordian[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]It must be miserable to believe that everything in the country is so bad when compared with the glorious past. When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money. The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.[/p][/quote]You mean like food? Grumpygirl
  • Score: 5

6:37pm Mon 17 Mar 14

angry bradfordian says...

Grumpygirl wrote:
angry bradfordian wrote:
RollandSmoke wrote:
Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.
It must be miserable to believe that everything in the country is so bad when compared with the glorious past.

When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money.

The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.
You mean like food?
I don't know about the latest company to try and move into Bradford, but the most famous example of the rise of these companies is Wonga.

The last article on the BBC website (one of the only places I'd trust for a relatively unbiased opinion) says.........

"Wonga's technology filters out applicants who are thought to be too risky, and about 66% of them are currently turned down for not being credit-worthy.
For instance you have to have a regular income, a bank account, a functioning debit card, a mobile phone and a good credit record"


That doesn't sound like the background of someone who can't afford food.
[quote][p][bold]Grumpygirl[/bold] wrote: [quote][p][bold]angry bradfordian[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: Parasites feeding on the poor and the gullible and supported every step of the way by the Tories who ensure there is always a steady flow of desperate people who cannot survive from one week to the next. I guess the idea is to create debt slaves who will work harder and harder just to make the money to pay back the loan sharks for the food they had to buy in order for them to get to work. Rats on a wheel become rats on a downward spiral. The ship is sinking and the hungry rats haven't the energy to swim. Robbing the poor to feed the rich. Welcome to Tory Britain.[/p][/quote]It must be miserable to believe that everything in the country is so bad when compared with the glorious past. When I go out I see loads of people driving around in new cars (when it used to be a bit of hot gossip when someone got a new car), restaurants full of people eating out on a regular occurrence (used to be a birthday treat), schoolkids going on skiing trips (I never got further than Pateley Bridge!) and a surfeit of beauty parlours and nail bars that always seem to be busy with people who presumably can't find anything more important to spend their money. The primary thing that fuel these payday loan companies is the lack of financial self control and people's perceived right to buy stuff that they can't afford.[/p][/quote]You mean like food?[/p][/quote]I don't know about the latest company to try and move into Bradford, but the most famous example of the rise of these companies is Wonga. The last article on the BBC website (one of the only places I'd trust for a relatively unbiased opinion) says......... "Wonga's technology filters out applicants who are thought to be too risky, and about 66% of them are currently turned down for not being credit-worthy. For instance you have to have a regular income, a bank account, a functioning debit card, a mobile phone and a good credit record" That doesn't sound like the background of someone who can't afford food. angry bradfordian
  • Score: 1

7:28pm Mon 17 Mar 14

RollandSmoke says...

If you had "a regular income, a bank account, a functioning debit card, a mobile phone and a good credit record" why would anyone in their right minds pay the levels of interest asked by the likes of wonga rather than going to the bank where they have the account the debit card and the good credit rating? What's that you say, the banks aren't lending? Isn't that how banks make money? If that's the case who is George Osborne borrowing all this money from?
If you had "a regular income, a bank account, a functioning debit card, a mobile phone and a good credit record" why would anyone in their right minds pay the levels of interest asked by the likes of wonga rather than going to the bank where they have the account the debit card and the good credit rating? What's that you say, the banks aren't lending? Isn't that how banks make money? If that's the case who is George Osborne borrowing all this money from? RollandSmoke
  • Score: -2

8:49pm Mon 17 Mar 14

basil fawlty says...

A good example of a business that should be in Bradford city centre is the Prashad restaurant who not so long ago moved from Great Horton to Drighlington. They've just surveyed where their customers cam from and the list said Birkenshaw, Barnsley, Burnley, Airmyn, York, Thornton, Cleckheaton, Harrogate, North Wales, Sheffield, Manchester, Oxford, Cleckheaton, Wigan, Manchester, Thornton, Odsal, Cleckheaton, Barnsley, Cambridgeshire, Ilkley, Elland, Doncaster, York, Silsden, Wyke, Bradford, Batley.
Now couldn't we do with visitors like these to our city centre? Its taken about 20 years for Bradford Council to wake up and try to address the problem.
A good example of a business that should be in Bradford city centre is the Prashad restaurant who not so long ago moved from Great Horton to Drighlington. They've just surveyed where their customers cam from and the list said Birkenshaw, Barnsley, Burnley, Airmyn, York, Thornton, Cleckheaton, Harrogate, North Wales, Sheffield, Manchester, Oxford, Cleckheaton, Wigan, Manchester, Thornton, Odsal, Cleckheaton, Barnsley, Cambridgeshire, Ilkley, Elland, Doncaster, York, Silsden, Wyke, Bradford, Batley. Now couldn't we do with visitors like these to our city centre? Its taken about 20 years for Bradford Council to wake up and try to address the problem. basil fawlty
  • Score: 4

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