'Bradford schools are facing £1.2m meal crisis'

Bradford Telegraph and Argus: Coun Ralph Berry Coun Ralph Berry

Bradford Council is struggling to find up to £1.2 million needed to upgrade school kitchens ahead of a Government shake-up in September.

From the next academic year, free school dinners must be available for all children under seven – but the councillor responsible for education in Bradford says the national changes have left it searching for hundreds of thousands of pounds from its already stretched budget.

Deputy Prime Minister Nick Clegg announced the free school meals plans last year, but it has since emerged that local authorities across the country face bills of millions of pounds to bring school kitchens up to a level to cope with the extra demand. In Bradford, 40 primary schools will need kitchen upgrades at a cost of up to £2.5 million. Earlier this year the Government granted the council £1.3 million to improve kitchens, but with the lowest estimate for the improvements coming in at £1.6 million, there is between £300,000 and £1.2 million to find.

Councillor Ralph Berry, Council executive member for Children and Young People’s Services, said: “This seems to be a national problem. Before the Government made this announcement there was no assessment of kitchen requirements and they have been trying to back work things.

“The latest estimates are that it will cost about £1.9 million which leaves a significant gap. It is a scheme I support, but the way it has been done means we are really having to work hard to make this work.”

Improvements include updating obsolete extraction systems and cook lines and conversions to cooking systems.

Coun Berry said: “We are doing everything we can to work with schools to do our very best but we have an incredibly short time scale. Instead of trying to pull a rabbit out of the hat the government should have had a proper discussion with councils and schools.”

Conservative spokesman for education Coun Roger L’Amie said the problem was not insurmountable and said that because the costs were a ‘one-off’ expense the Council could consider using reserves.

Leader of the Liberal Democrats on Bradford Council, Jeanette Sunderland, said the money could be found if it was not “wasted elsewhere”.

“They’ve just spent hundreds and hundreds of pounds on repainting the town hall. There’s new doors, beautiful solid oak doors with brass plates, fitted outside the chief executive’s office,” she said.

No comment was available from the Department for Education.

Comments (37)

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6:47am Mon 28 Apr 14

Ratters Rat says...

School dinners are are disgusting parents may think the menu looks good but if they were to open a cafe in the city centre it would close within a week.
Children are rushed to eat their meals 10 minutes if they ate lucky ( 2 form entry have on average around 450 children to feed in an hour.)
Meal size is another big issue many children are still hungry particular year 5/6 boys.
If you want your children to have a good meal stick to lunch boxes at least you know what they are eating.
That's the reason many children are rushing to the corner shop after school.
Children get free fruit only nursery to year 2
As for milk many children only get it in nursery/reception.
My suggestion to parents drop in any dinnertime which you are legally able to do and see for yourselves.
School dinners are are disgusting parents may think the menu looks good but if they were to open a cafe in the city centre it would close within a week. Children are rushed to eat their meals 10 minutes if they ate lucky ( 2 form entry have on average around 450 children to feed in an hour.) Meal size is another big issue many children are still hungry particular year 5/6 boys. If you want your children to have a good meal stick to lunch boxes at least you know what they are eating. That's the reason many children are rushing to the corner shop after school. Children get free fruit only nursery to year 2 As for milk many children only get it in nursery/reception. My suggestion to parents drop in any dinnertime which you are legally able to do and see for yourselves. Ratters Rat
  • Score: 8

11:46am Mon 28 Apr 14

BierleyBoy says...

Poor old Bradford Council. Will it ever do anything else but moan about what the government says.

It's the same on the local election leaflets that have gone out. Nothing about what councillors have achieved, all about the government.
Poor old Bradford Council. Will it ever do anything else but moan about what the government says. It's the same on the local election leaflets that have gone out. Nothing about what councillors have achieved, all about the government. BierleyBoy
  • Score: 16

12:02pm Mon 28 Apr 14

WISE OLD WALTER says...

Bradford council short of money !! couldn't organise a party in a beer garden. So you need more money, I understand Mr Khan ( Bradford Bulls) has £200.000 he needs to pay back, so start with him. Another point which deserves an explanation is why there was no assessment of the school kitchen facilities ? From a council who uses a five star 'scores on the doors' system for checking everyone else food preparation facilities has no idea the condition of its own school kitchens !! beggars belief. So I suggest your first job today Mr Berry is be Pro active get yourself round ALL the school kitchens, find out what they need and start spending the £1.3m you already have been given. Then come back and tell us all which schools need better facilities and when your going to start them, not keep winging 'WE HAVE NO MONEY' and while your at it have a shave, and tidy yourself up or give the T & A a photo which gives a better impression of someone in charge of our children & young peoples services.
So come on T & A this is an important issue for our city and its young people, we need you to help this along, perhaps you could publish a daily/weekly update of which schools have been inspected, which ones need updating, and when work has started. and lets see how our Councillors and the relevant departments perform, would make a change from hearing how the teachers & pupils perform. there's not long to go Mr Berry so I suggest you get on with it or are we to once again let down our young people ?
Bradford council short of money !! couldn't organise a party in a beer garden. So you need more money, I understand Mr Khan ( Bradford Bulls) has £200.000 he needs to pay back, so start with him. Another point which deserves an explanation is why there was no assessment of the school kitchen facilities ? From a council who uses a five star 'scores on the doors' system for checking everyone else food preparation facilities has no idea the condition of its own school kitchens !! beggars belief. So I suggest your first job today Mr Berry is be Pro active get yourself round ALL the school kitchens, find out what they need and start spending the £1.3m you already have been given. Then come back and tell us all which schools need better facilities and when your going to start them, not keep winging 'WE HAVE NO MONEY' and while your at it have a shave, and tidy yourself up or give the T & A a photo which gives a better impression of someone in charge of our children & young peoples services. So come on T & A this is an important issue for our city and its young people, we need you to help this along, perhaps you could publish a daily/weekly update of which schools have been inspected, which ones need updating, and when work has started. and lets see how our Councillors and the relevant departments perform, would make a change from hearing how the teachers & pupils perform. there's not long to go Mr Berry so I suggest you get on with it or are we to once again let down our young people ? WISE OLD WALTER
  • Score: 20

12:26pm Mon 28 Apr 14

Andy2010 says...

Just get rid of free school meals. End of problem overnight

Make every parent pay or supply their own kids meals at lunchtime

Or would that mean the scrounging parents having to put something into their own child's schooling
Just get rid of free school meals. End of problem overnight Make every parent pay or supply their own kids meals at lunchtime Or would that mean the scrounging parents having to put something into their own child's schooling Andy2010
  • Score: 15

1:01pm Mon 28 Apr 14

RollandSmoke says...

It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion. RollandSmoke
  • Score: -13

1:31pm Mon 28 Apr 14

henjni says...

Totally agree with 'Ratters Rat'
When my children attended Rainbow crappie school.. I went in one whole week at lunch time to see what it was like. I was seriously disappointed. This is one meal- A few vegetables and dry fish finger, squash and a flap jack.
Another was a really small boiled potato cut in half along with a little bit of broccoli, squash and jelly.
The dinner ladies don't even tell the kids to finish their dinner and just rush kids to be quick.
I think it's best to either do home dinners or a packed lunch! School dinners aren't the same anymore
Totally agree with 'Ratters Rat' When my children attended Rainbow crappie school.. I went in one whole week at lunch time to see what it was like. I was seriously disappointed. This is one meal- A few vegetables and dry fish finger, squash and a flap jack. Another was a really small boiled potato cut in half along with a little bit of broccoli, squash and jelly. The dinner ladies don't even tell the kids to finish their dinner and just rush kids to be quick. I think it's best to either do home dinners or a packed lunch! School dinners aren't the same anymore henjni
  • Score: 11

1:35pm Mon 28 Apr 14

BertSanders says...

RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
[quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be. BertSanders
  • Score: 12

2:00pm Mon 28 Apr 14

RollandSmoke says...

BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
[quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now. RollandSmoke
  • Score: -11

2:02pm Mon 28 Apr 14

AHS says...

Eh I seem to remember Bradford Council a few weeks back had £290,000 to spend on meals for Eastern European children ONLY. Not black, Asian or any other race but just Eastern European ONLY.
Eh I seem to remember Bradford Council a few weeks back had £290,000 to spend on meals for Eastern European children ONLY. Not black, Asian or any other race but just Eastern European ONLY. AHS
  • Score: 18

2:22pm Mon 28 Apr 14

BertSanders says...

RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
Pay day loans - you decide - you cannot have that which you cannot afford
Food banks - an addition to benefit provided by charity - its free and if you are entitltled take it. Benefits I know little about but they must be sanctioned for a reason. As for the social unrest you prophesy - it will not happen - law and order prevails by majority aggreement in this country.
Benefits are to tide you over till you get another job - they were never intended to be a lifestyle option. We cannot afford a nation of mallingerers and we appear to be gettin into this situation - foreigners
and the indigeous people who would rather not get a job.. That is my opinion and I will not contribute further VOTE UKIP on 22 May
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]Pay day loans - you decide - you cannot have that which you cannot afford Food banks - an addition to benefit provided by charity - its free and if you are entitltled take it. Benefits I know little about but they must be sanctioned for a reason. As for the social unrest you prophesy - it will not happen - law and order prevails by majority aggreement in this country. Benefits are to tide you over till you get another job - they were never intended to be a lifestyle option. We cannot afford a nation of mallingerers and we appear to be gettin into this situation - foreigners and the indigeous people who would rather not get a job.. That is my opinion and I will not contribute further VOTE UKIP on 22 May BertSanders
  • Score: 16

2:41pm Mon 28 Apr 14

RollandSmoke says...

BertSanders wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
Pay day loans - you decide - you cannot have that which you cannot afford
Food banks - an addition to benefit provided by charity - its free and if you are entitltled take it. Benefits I know little about but they must be sanctioned for a reason. As for the social unrest you prophesy - it will not happen - law and order prevails by majority aggreement in this country.
Benefits are to tide you over till you get another job - they were never intended to be a lifestyle option. We cannot afford a nation of mallingerers and we appear to be gettin into this situation - foreigners
and the indigeous people who would rather not get a job.. That is my opinion and I will not contribute further VOTE UKIP on 22 May
Tories with a different PR team? Yeah I'm sure that will help, not. When UKIP pulls us out of Europe and the penny drops that we have nothing to trade due to our manufacturing base being destroyed what happens then? We have an over reliance on our service economy which when people's levels of disposable income continue to fall will only suffer as a result. I suggest you remove your cranium from your rectum and get out to meet some of the people you claim are doing quite fine with their tins of soup from the foodbanks and actually find out what life is like for those people rather than relying on the Daily Mail to tell you what you as a right winger are supposed to think. The Daily Mail supported the Nazis you know? Some would argue that they still do. They also tell outright lies and completely fabricate stories but then all the media do.
[quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]Pay day loans - you decide - you cannot have that which you cannot afford Food banks - an addition to benefit provided by charity - its free and if you are entitltled take it. Benefits I know little about but they must be sanctioned for a reason. As for the social unrest you prophesy - it will not happen - law and order prevails by majority aggreement in this country. Benefits are to tide you over till you get another job - they were never intended to be a lifestyle option. We cannot afford a nation of mallingerers and we appear to be gettin into this situation - foreigners and the indigeous people who would rather not get a job.. That is my opinion and I will not contribute further VOTE UKIP on 22 May[/p][/quote]Tories with a different PR team? Yeah I'm sure that will help, not. When UKIP pulls us out of Europe and the penny drops that we have nothing to trade due to our manufacturing base being destroyed what happens then? We have an over reliance on our service economy which when people's levels of disposable income continue to fall will only suffer as a result. I suggest you remove your cranium from your rectum and get out to meet some of the people you claim are doing quite fine with their tins of soup from the foodbanks and actually find out what life is like for those people rather than relying on the Daily Mail to tell you what you as a right winger are supposed to think. The Daily Mail supported the Nazis you know? Some would argue that they still do. They also tell outright lies and completely fabricate stories but then all the media do. RollandSmoke
  • Score: -11

3:04pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I Andy2010
  • Score: 14

3:10pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe
nt.co.uk/news/uk/hom
e-news/most-payday-l
oans-are-used-for-bu
ying-food-8849785.ht
ml
Feel free to post a link to the research that you claim exists.
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists. RollandSmoke
  • Score: -7

3:27pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe

nt.co.uk/news/uk/hom

e-news/most-payday-l

oans-are-used-for-bu

ying-food-8849785.ht

ml
Feel free to post a link to the research that you claim exists.
LOL the Independent..... I'll leave you to read your Nu Labour rag

In the meantime feel free to look up the FCA Research into Consumer Credit and Vunerable Circumstances. Because of the role I'm in I have also viewed the more explicit detail behind this but try reading some proper research rather than the guff you find on the net or in propaganda papers like the Independent
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]LOL the Independent..... I'll leave you to read your Nu Labour rag In the meantime feel free to look up the FCA Research into Consumer Credit and Vunerable Circumstances. Because of the role I'm in I have also viewed the more explicit detail behind this but try reading some proper research rather than the guff you find on the net or in propaganda papers like the Independent Andy2010
  • Score: 4

3:31pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe

nt.co.uk/news/uk/hom

e-news/most-payday-l

oans-are-used-for-bu

ying-food-8849785.ht

ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind. Andy2010
  • Score: 7

3:42pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe


nt.co.uk/news/uk/hom


e-news/most-payday-l


oans-are-used-for-bu


ying-food-8849785.ht


ml
Feel free to post a link to the research that you claim exists.
LOL the Independent..... I'll leave you to read your Nu Labour rag

In the meantime feel free to look up the FCA Research into Consumer Credit and Vunerable Circumstances. Because of the role I'm in I have also viewed the more explicit detail behind this but try reading some proper research rather than the guff you find on the net or in propaganda papers like the Independent
"because of the role you are in" please elaborate further. Do all Tory shills get to read the more "explicit details"? I realise that the Daily Mail may not have covered the story what with them being a set of ****s and all (which is probably why you can relate) but even the Torygraph is reporting 40% of the loans are for essentials such as food and energy costs.
http://www.telegraph
.co.uk/finance/newsb
ysector/banksandfina
nce/9663656/Almost-4
0pc-of-payday-loans-
used-to-buy-food.htm
l
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]LOL the Independent..... I'll leave you to read your Nu Labour rag In the meantime feel free to look up the FCA Research into Consumer Credit and Vunerable Circumstances. Because of the role I'm in I have also viewed the more explicit detail behind this but try reading some proper research rather than the guff you find on the net or in propaganda papers like the Independent[/p][/quote]"because of the role you are in" please elaborate further. Do all Tory shills get to read the more "explicit details"? I realise that the Daily Mail may not have covered the story what with them being a set of ****s and all (which is probably why you can relate) but even the Torygraph is reporting 40% of the loans are for essentials such as food and energy costs. http://www.telegraph .co.uk/finance/newsb ysector/banksandfina nce/9663656/Almost-4 0pc-of-payday-loans- used-to-buy-food.htm l RollandSmoke
  • Score: -1

4:11pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe


nt.co.uk/news/uk/hom


e-news/most-payday-l


oans-are-used-for-bu


ying-food-8849785.ht


ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?. RollandSmoke
  • Score: 5

4:27pm Mon 28 Apr 14

FinlandStation says...

Typical LibDem policy. Probably a good idea, in a wishy-washy sort of way, but not thought through and not costed. LibDems shouldn't be let anywhere near government.
Typical LibDem policy. Probably a good idea, in a wishy-washy sort of way, but not thought through and not costed. LibDems shouldn't be let anywhere near government. FinlandStation
  • Score: 9

4:34pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe



nt.co.uk/news/uk/hom



e-news/most-payday-l



oans-are-used-for-bu



ying-food-8849785.ht



ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good Andy2010
  • Score: 0

4:42pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe




nt.co.uk/news/uk/hom




e-news/most-payday-l




oans-are-used-for-bu




ying-food-8849785.ht




ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good[/p][/quote]Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter? RollandSmoke
  • Score: -3

4:50pm Mon 28 Apr 14

pcmanners says...

School meals are Socialist feather bedding. If people have kids they should take responsibility and look after them.
School meals are Socialist feather bedding. If people have kids they should take responsibility and look after them. pcmanners
  • Score: 12

4:57pm Mon 28 Apr 14

RollandSmoke says...

pcmanners wrote:
School meals are Socialist feather bedding. If people have kids they should take responsibility and look after them.
Please don't you have any. It's not that I don't think you could be financially responsible but your insanity is no doubt hereditary and it would be unwise for you to create another generation of Tory headcases.
[quote][p][bold]pcmanners[/bold] wrote: School meals are Socialist feather bedding. If people have kids they should take responsibility and look after them.[/p][/quote]Please don't you have any. It's not that I don't think you could be financially responsible but your insanity is no doubt hereditary and it would be unwise for you to create another generation of Tory headcases. RollandSmoke
  • Score: -8

5:02pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe





nt.co.uk/news/uk/hom





e-news/most-payday-l





oans-are-used-for-bu





ying-food-8849785.ht





ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?
Interesting.....so poverty is not having enough to survive week to week in the world.

In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour.

In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt.

Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good[/p][/quote]Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?[/p][/quote]Interesting.....so poverty is not having enough to survive week to week in the world. In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour. In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt. Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it Andy2010
  • Score: 5

5:14pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe






nt.co.uk/news/uk/hom






e-news/most-payday-l






oans-are-used-for-bu






ying-food-8849785.ht






ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?
Interesting.....so poverty is not having enough to survive week to week in the world.

In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour.

In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt.

Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it
I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral?
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good[/p][/quote]Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?[/p][/quote]Interesting.....so poverty is not having enough to survive week to week in the world. In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour. In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt. Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it[/p][/quote]I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral? RollandSmoke
  • Score: -2

5:19pm Mon 28 Apr 14

The Hoffster says...

AHS wrote:
Eh I seem to remember Bradford Council a few weeks back had £290,000 to spend on meals for Eastern European children ONLY. Not black, Asian or any other race but just Eastern European ONLY.
What ?! - when the foook did this happen ?!

And do Roma gypsies eat something completely different from the rest of the human race??
[quote][p][bold]AHS[/bold] wrote: Eh I seem to remember Bradford Council a few weeks back had £290,000 to spend on meals for Eastern European children ONLY. Not black, Asian or any other race but just Eastern European ONLY.[/p][/quote]What ?! - when the foook did this happen ?! And do Roma gypsies eat something completely different from the rest of the human race?? The Hoffster
  • Score: 8

5:26pm Mon 28 Apr 14

Andy2010 says...

RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe







nt.co.uk/news/uk/hom







e-news/most-payday-l







oans-are-used-for-bu







ying-food-8849785.ht







ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?
Interesting.....so poverty is not having enough to survive week to week in the world.

In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour.

In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt.

Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it
I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral?
OK fair enough I will answer your questions

1) No we are not in Africa. I would encourage you to view a map of world to confirm.

2) The role I'm requires me to understand the Consumer Credit Laws ergo I read reports in full of this nature

3) My taxes are paid through PAYE so what you claim is not possible

4) Greed...That's ordering desert after a big meal when you dont really want it so yes its immoral ordering a big desert or heaven forbid the cheese board when their are starving people in Africa and other countries in the world.

So there you go. We have established that no-one in country is "starving" or living in poverty in comparison and that yes I'am greedy for ordering extra food when I dont need it

Glad thats cleared up
[quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good[/p][/quote]Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?[/p][/quote]Interesting.....so poverty is not having enough to survive week to week in the world. In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour. In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt. Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it[/p][/quote]I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral?[/p][/quote]OK fair enough I will answer your questions 1) No we are not in Africa. I would encourage you to view a map of world to confirm. 2) The role I'm requires me to understand the Consumer Credit Laws ergo I read reports in full of this nature 3) My taxes are paid through PAYE so what you claim is not possible 4) Greed...That's ordering desert after a big meal when you dont really want it so yes its immoral ordering a big desert or heaven forbid the cheese board when their are starving people in Africa and other countries in the world. So there you go. We have established that no-one in country is "starving" or living in poverty in comparison and that yes I'am greedy for ordering extra food when I dont need it Glad thats cleared up Andy2010
  • Score: 3

5:32pm Mon 28 Apr 14

BertSanders says...

Rolland - tell us about the EU - you seem to have important views on that too- but it is really outside the orbit of the School Meals Crisis. I do agree with you that the disparity between rich and poor is becoming very serious. I would advise you to direct your literary talent in a more purposeful direction - perhaps work ! You can do it! I'm an old git with time on my hands and I don,t think you are in that category.
.
Rolland - tell us about the EU - you seem to have important views on that too- but it is really outside the orbit of the School Meals Crisis. I do agree with you that the disparity between rich and poor is becoming very serious. I would advise you to direct your literary talent in a more purposeful direction - perhaps work ! You can do it! I'm an old git with time on my hands and I don,t think you are in that category. . BertSanders
  • Score: 6

5:35pm Mon 28 Apr 14

Ratters Rat says...

Can we please stick to the story of school meals.
The quality of the meals is very poor. Hardly filling for a child at school all day;
One of my childrens schools has served salad everyday all through the winter as well.Alot of the days NO hot veg was available.
The portion size are small hardly a balanced meal.
For example hot veg pasta with a bread roll carb with a carb.
We are still looking for the veg by the way
Alot of children will put their dinner in the bin because they are told they have to have everything.Even when a child has clearly stated they dont like carrots for example
In some cases choice is limited with food held back for other years.
Children are always rushed with their dinner.We cant wait for you to finish other children need to sit down.
People need to start asking questions what did you have to eat today at school parents will be disgusted when they find out the size of the meals.
They talk about children been over weight given the size of the meals and the variety is it any wonder they fill up on junk food after school.
Can we please stick to the story of school meals. The quality of the meals is very poor. Hardly filling for a child at school all day; One of my childrens schools has served salad everyday all through the winter as well.Alot of the days NO hot veg was available. The portion size are small hardly a balanced meal. For example hot veg pasta with a bread roll carb with a carb. We are still looking for the veg by the way Alot of children will put their dinner in the bin because they are told they have to have everything.Even when a child has clearly stated they dont like carrots for example In some cases choice is limited with food held back for other years. Children are always rushed with their dinner.We cant wait for you to finish other children need to sit down. People need to start asking questions what did you have to eat today at school parents will be disgusted when they find out the size of the meals. They talk about children been over weight given the size of the meals and the variety is it any wonder they fill up on junk food after school. Ratters Rat
  • Score: 5

5:36pm Mon 28 Apr 14

Ratters Rat says...

henjni wrote:
Totally agree with 'Ratters Rat' When my children attended Rainbow crappie school.. I went in one whole week at lunch time to see what it was like. I was seriously disappointed. This is one meal- A few vegetables and dry fish finger, squash and a flap jack. Another was a really small boiled potato cut in half along with a little bit of broccoli, squash and jelly. The dinner ladies don't even tell the kids to finish their dinner and just rush kids to be quick. I think it's best to either do home dinners or a packed lunch! School dinners aren't the same anymore
WELL SAID TOTALLY AGREE WITH EVERYTHING YOU HAVE SAID!!!!!!!!!!!!!!!!
!
[quote][p][bold]henjni[/bold] wrote: Totally agree with 'Ratters Rat' When my children attended Rainbow crappie school.. I went in one whole week at lunch time to see what it was like. I was seriously disappointed. This is one meal- A few vegetables and dry fish finger, squash and a flap jack. Another was a really small boiled potato cut in half along with a little bit of broccoli, squash and jelly. The dinner ladies don't even tell the kids to finish their dinner and just rush kids to be quick. I think it's best to either do home dinners or a packed lunch! School dinners aren't the same anymore[/p][/quote]WELL SAID TOTALLY AGREE WITH EVERYTHING YOU HAVE SAID!!!!!!!!!!!!!!!! ! Ratters Rat
  • Score: 6

5:44pm Mon 28 Apr 14

RollandSmoke says...

Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
Andy2010 wrote:
RollandSmoke wrote:
BertSanders wrote:
RollandSmoke wrote:
It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.
A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.
Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.
There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state.

Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality.

As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis.

TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves.

I
"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests.

The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people."
http://www.independe








nt.co.uk/news/uk/hom








e-news/most-payday-l








oans-are-used-for-bu








ying-food-8849785.ht








ml
Feel free to post a link to the research that you claim exists.
Interesting use of the word "forced" there as well lol

So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really?

You are contradicting yourself now as this goes against what you are saying with regard to foodbanks.

Make up your mind.

Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.
Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.
That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused?

Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in.

Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult

Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale

I'll await your answer....this should be good
Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?
Interesting.....so poverty is not having enough to survive week to week in the world.

In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour.

In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt.

Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it
I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral?
OK fair enough I will answer your questions

1) No we are not in Africa. I would encourage you to view a map of world to confirm.

2) The role I'm requires me to understand the Consumer Credit Laws ergo I read reports in full of this nature

3) My taxes are paid through PAYE so what you claim is not possible

4) Greed...That's ordering desert after a big meal when you dont really want it so yes its immoral ordering a big desert or heaven forbid the cheese board when their are starving people in Africa and other countries in the world.

So there you go. We have established that no-one in country is "starving" or living in poverty in comparison and that yes I'am greedy for ordering extra food when I dont need it

Glad thats cleared up
So when the media reports that people have died of "starvation" after having benefits sanctioned that's a lie is it? In answer to your earlier question no I am not and have no intention of being a politician because I'm a man of conscience who couldn't bring myself to sell my fellow man down the river for the sake of a brown envelope from a lobbying group. You however exhibit many of the characteristics of today's politicians which explains why the country is in the state it is in. Keep pointing those fingers wont you as god forbid you could ever examine your own actions to assess what impact your actions have on the people who's exploitation your comfortable little life relies on. I would say your money's not done a great deal for your self esteem and you know deep down your a bit of a loser but it may take a moment or two to gather the evidence in the form of an apparent need to attack other people and belittle them. What am I saying no it wouldn't.
[quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]Andy2010[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: [quote][p][bold]BertSanders[/bold] wrote: [quote][p][bold]RollandSmoke[/bold] wrote: It seems obvious that the government are trying to ensure that any reserves that the councils have are used up on crackpot schemes that they are given no time to find adequate funding for. When these reserves are gone then any rise in interest rates which have been kept artificially low for many years will cause major problems. Many people have already been driven into debt due to low wages with below inflation rises at a time when the cost of living is rising steadily. They cannot keep interest rates artificially low forever and when they do rise there are going to be major problems for many across the country. Some laugh when you tell them that the wealth gap is set to cause major problems but when it does start to take effect, which it will, then it will have adverse effects for everyone. We are already struggling to ensure that kids get a little food inside them but with the future that this government has lined up for them this could be the least of their problems. Britain is however still a very rich country and those with wealth are seeing that wealth increasing. The problem is that their prosperity is being gained at the expense of everyone else who are now nothing more than cheap commodities to exploit to line the pockets of the rich while leaving the poor workers teetering on the edge of financial oblivion.[/p][/quote]A very biased outlook - there is very little real poverty in this country- social benefits are better than most - hence the considerable attraction of immigration into the country.. The basis of assisting the disabled is maintained better than most places in the world. Everybody in the country is free to go any country in the EU - but few do. Those who do go usually seek a sunnier climate and take money with them - and often they are disappoined and return. Working for a living is the best way - and if you cannot - this is still a good place to be.[/p][/quote]Explain to me then why we have so many pay day loan companies operating with interest rates that no-one in their right mind would consider getting involved with if it isn't a case of financial desperation for many? Why has the only growth of the last 4 years been in the number of foodbanks? When people are having their benefits sanctioned for weeks and months at a time then how can this result in anything other than real poverty? The answer is it can't and as it is government policy that is causing this poverty it is obviously what the government wants. Feel free to bury your head in the sand until the social unrest kicks off. It shouldn't be long now.[/p][/quote]There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state. Even people on low income or benefits are part of the "I want it now" culture and used these loans initially to purchase things they could not afford in reality. As we have discussed on numerous occasions foodbanks aren't there to assist the needy. They are businesses who turn a healthy profit and pay excellent wages to their top level managers. The only reason they have been "successful" is because they are offering something for free that's all and before you start on about referrals etc they are easy to obtain by anyone in reality and you can just chop and change which bank you visit on a weekly basis. TRUE poverty does not exist in the UK and never has. All we have is the bleeding heart brigade that think the state owes them a lifestyle without no effort from themselves. I[/p][/quote]"Four in every five people taking out payday loans say they are forced to do so to buy food, research suggests. The latest data appears to confirm the view of campaigners that high-cost credit providers are profiting from vulnerable people." http://www.independe nt.co.uk/news/uk/hom e-news/most-payday-l oans-are-used-for-bu ying-food-8849785.ht ml Feel free to post a link to the research that you claim exists.[/p][/quote]Interesting use of the word "forced" there as well lol So payday lenders are "forcing" people to take out loans are they just so they can buy food ? Really? You are contradicting yourself now as this goes against what you are saying with regard to foodbanks. Make up your mind. Either people are starving and having to goto to foodbanks to survive because their benefits arent enough or they are taking out payday loans to pay for food.....cmon Rollie make up your delusional mind.[/p][/quote]Still waiting for that link or were you talking out of your arse again?. Some are having to rely on foodbanks others who cannot get referrals are having to rely on payday loans. I know you couldn't really give a **** about anyone other than yourself but unless you live alone on an island somewhere what happens in society will have an effect on your life. Sure you're thick as two short planks but you must realise this?.[/p][/quote]That link is posted above. I just told you to Google the FCA report...too difficult for you? Hell I even gave you the name of the report...still confused? Yes I do realise that what happens in society affects me. its affects me having to paying nearly half my earnings in tax so this can be distributed to people who don't want to earn and contribute. It affects me when my council tax that I pay thousands for year in year out is being spent on Unions of which I have no interest in. Here's a question Rollie I would love you to answer. Please do and don't sidestep the question as you normally do when faced with something difficult Define poverty please. not the dictionary definition but what YOU see as poverty after taking into consideration on a worldwide scale I'll await your answer....this should be good[/p][/quote]Poverty is not having enough to survive from one week to the next. Perhaps If you gave a **** about the businesses who avoid paying taxes by stashing their profits in tax havens your tax burden may be reduced. I say may because I'm fairly certain that you will be hiding your profits from the taxman as well and your feigned despair at the amount you do contribute is as much **** as everything else you spout. Tell you what why don't you define greed or doesn't that matter?[/p][/quote]Interesting.....so poverty is not having enough to survive week to week in the world. In countries like Africa etc I would say Poverty is about worrying how you could possibly feed yourself or obtain drinkable water day to day hour to hour. In these impoverished countries do they receive help with Health, Benefits, Housing, Schools etc etc etc etc etc ? Thats true poverty.....Having to decide whether to buy 10 Lambert or Butler or 10g of Amber Leaf isnt. Like how you have now turned this around to businesses ....very well played...you sure your not a politician with your sidestepping and deflecting issues...your very consistent and good at it[/p][/quote]I'm sorry are we in Africa now? Seeing as you don't like people sidestepping the issues maybe you could stop doing it yourself and give an answer to what you meant by "because of the role I'm in" and then you could try and convince me that you aren't indulging in tax avoidance?. Greed, what does that mean to you? If there isn't enough to go round is greed immoral?[/p][/quote]OK fair enough I will answer your questions 1) No we are not in Africa. I would encourage you to view a map of world to confirm. 2) The role I'm requires me to understand the Consumer Credit Laws ergo I read reports in full of this nature 3) My taxes are paid through PAYE so what you claim is not possible 4) Greed...That's ordering desert after a big meal when you dont really want it so yes its immoral ordering a big desert or heaven forbid the cheese board when their are starving people in Africa and other countries in the world. So there you go. We have established that no-one in country is "starving" or living in poverty in comparison and that yes I'am greedy for ordering extra food when I dont need it Glad thats cleared up[/p][/quote]So when the media reports that people have died of "starvation" after having benefits sanctioned that's a lie is it? In answer to your earlier question no I am not and have no intention of being a politician because I'm a man of conscience who couldn't bring myself to sell my fellow man down the river for the sake of a brown envelope from a lobbying group. You however exhibit many of the characteristics of today's politicians which explains why the country is in the state it is in. Keep pointing those fingers wont you as god forbid you could ever examine your own actions to assess what impact your actions have on the people who's exploitation your comfortable little life relies on. I would say your money's not done a great deal for your self esteem and you know deep down your a bit of a loser but it may take a moment or two to gather the evidence in the form of an apparent need to attack other people and belittle them. What am I saying no it wouldn't. RollandSmoke
  • Score: -1

6:00pm Mon 28 Apr 14

#ilovebradford says...

I would worry about the lack of schools and school places to meet the districts needs before worrying about school dinner provision.
I would worry about the lack of schools and school places to meet the districts needs before worrying about school dinner provision. #ilovebradford
  • Score: 9

6:01pm Mon 28 Apr 14

RollandSmoke says...

BertSanders wrote:
Rolland - tell us about the EU - you seem to have important views on that too- but it is really outside the orbit of the School Meals Crisis. I do agree with you that the disparity between rich and poor is becoming very serious. I would advise you to direct your literary talent in a more purposeful direction - perhaps work ! You can do it! I'm an old git with time on my hands and I don,t think you are in that category.
.
As I have explained more times than I care to mention my unemployment is on health grounds. You can say what you like about me but do you seriously think I would be living on benefits because I don't think I have the earning potential to make work pay? I certainly wasn't anywhere near minimum wages when my health forced me from my job. Re the EU the only thing we have to offer Europe is our corrupt banking system that operates as a tax haven out of the "City" but they don't like sharing that wealth with anyone else.
Sorry if some don't like the tangents that I go off on. If only we had some sort of forum where we could fully exploit our right to free speech without censorship and having the topic of conversation dictated to us.
[quote][p][bold]BertSanders[/bold] wrote: Rolland - tell us about the EU - you seem to have important views on that too- but it is really outside the orbit of the School Meals Crisis. I do agree with you that the disparity between rich and poor is becoming very serious. I would advise you to direct your literary talent in a more purposeful direction - perhaps work ! You can do it! I'm an old git with time on my hands and I don,t think you are in that category. .[/p][/quote]As I have explained more times than I care to mention my unemployment is on health grounds. You can say what you like about me but do you seriously think I would be living on benefits because I don't think I have the earning potential to make work pay? I certainly wasn't anywhere near minimum wages when my health forced me from my job. Re the EU the only thing we have to offer Europe is our corrupt banking system that operates as a tax haven out of the "City" but they don't like sharing that wealth with anyone else. Sorry if some don't like the tangents that I go off on. If only we had some sort of forum where we could fully exploit our right to free speech without censorship and having the topic of conversation dictated to us. RollandSmoke
  • Score: -1

6:27pm Mon 28 Apr 14

#ilovebradford says...

I would firstly worry about the lack of primary and secondary school places for the current children of Bradford who have not got a local school place.

Furthermore, when all the proposed new homes are built. Where will they get a school place. It seems every area in Bradford is still recovering from poorly planned infrastructure problem from the last LDF in 2008.

New schools needed all across Bradford. Not just adding on to existing schools and doubling year intakes. Schools are getting to large. We need to try to improve teaching conditions not make them even harder. How on earth we can get the under performing schools back on track when the classes are over 30. The Diverse levels of spoken and written English is making teaching impossible due to the EU. There used to be a system in place with a prep school that taught basic levels of English were in place before the children attended main stream school. This happened due to the industrial revolution in Bradford to help everyone that came into Bradford to work adapt.
The high level of safe guarding issues and paper work to go with it, taking teachers time away from spending quality teaching time with children.
We need to get away from deprived, under performing Bradford. Face the facts, the environment, population increases, language barriers, deprived families and do something about it.
I would firstly worry about the lack of primary and secondary school places for the current children of Bradford who have not got a local school place. Furthermore, when all the proposed new homes are built. Where will they get a school place. It seems every area in Bradford is still recovering from poorly planned infrastructure problem from the last LDF in 2008. New schools needed all across Bradford. Not just adding on to existing schools and doubling year intakes. Schools are getting to large. We need to try to improve teaching conditions not make them even harder. How on earth we can get the under performing schools back on track when the classes are over 30. The Diverse levels of spoken and written English is making teaching impossible due to the EU. There used to be a system in place with a prep school that taught basic levels of English were in place before the children attended main stream school. This happened due to the industrial revolution in Bradford to help everyone that came into Bradford to work adapt. The high level of safe guarding issues and paper work to go with it, taking teachers time away from spending quality teaching time with children. We need to get away from deprived, under performing Bradford. Face the facts, the environment, population increases, language barriers, deprived families and do something about it. #ilovebradford
  • Score: 7

9:00pm Mon 28 Apr 14

pellethead says...

Andy 2010
"There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state."

Ive just read that report and unless I am mistaken you have made up this statisitic as I COULDNT FIND IT ANYWHERE. It does say this though

Payday loans are significantly less popular than other forms of credit for those on the very
lowest incomes. Many people on the very lowest incomes lack access to these loans. Recent
DebtTrack research (with data up to 2012) shows that people on the very lowest incomes (less
than £13,500) were less likely to use payday loans than other forms of credit. Only 13% of
payday loan users had an annual income less than £13,500. This is borne out in qualitative
studies.
Our research found that some ‘survival borrowers’ used payday loans, seeing the speed,
convenience and small amount of paperwork needed as the main advantages of these loans.
However, many participants in the Optimisa research did not use payday loans, particularly
lifestyle and reluctant borrowers. These borrowers considered that payday loans were
inappropriate for low income borrowers as they may not be able to repay easily, therefore
rolling over loans. They also considered the interest rates to be very high.67
Andy 2010 "There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state." Ive just read that report and unless I am mistaken you have made up this statisitic as I COULDNT FIND IT ANYWHERE. It does say this though Payday loans are significantly less popular than other forms of credit for those on the very lowest incomes. Many people on the very lowest incomes lack access to these loans. Recent DebtTrack research (with data up to 2012) shows that people on the very lowest incomes (less than £13,500) were less likely to use payday loans than other forms of credit. Only 13% of payday loan users had an annual income less than £13,500. This is borne out in qualitative studies. Our research found that some ‘survival borrowers’ used payday loans, seeing the speed, convenience and small amount of paperwork needed as the main advantages of these loans. However, many participants in the Optimisa research did not use payday loans, particularly lifestyle and reluctant borrowers. These borrowers considered that payday loans were inappropriate for low income borrowers as they may not be able to repay easily, therefore rolling over loans. They also considered the interest rates to be very high.67 pellethead
  • Score: 1

9:39pm Mon 28 Apr 14

Andy2010 says...

pellethead wrote:
Andy 2010
"There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state."

Ive just read that report and unless I am mistaken you have made up this statisitic as I COULDNT FIND IT ANYWHERE. It does say this though

Payday loans are significantly less popular than other forms of credit for those on the very
lowest incomes. Many people on the very lowest incomes lack access to these loans. Recent
DebtTrack research (with data up to 2012) shows that people on the very lowest incomes (less
than £13,500) were less likely to use payday loans than other forms of credit. Only 13% of
payday loan users had an annual income less than £13,500. This is borne out in qualitative
studies.
Our research found that some ‘survival borrowers’ used payday loans, seeing the speed,
convenience and small amount of paperwork needed as the main advantages of these loans.
However, many participants in the Optimisa research did not use payday loans, particularly
lifestyle and reluctant borrowers. These borrowers considered that payday loans were
inappropriate for low income borrowers as they may not be able to repay easily, therefore
rolling over loans. They also considered the interest rates to be very high.67
There is a subsequent report with breakdowns of the expenditure as well I have in PDF format

If your interested I will scan to dropbox and put up a link tomorrow for anyone to read should they wish
[quote][p][bold]pellethead[/bold] wrote: Andy 2010 "There was a recent consultation completed by the FCA which showed that 90% of funds supplied by payday lenders were used to fund "lifestyle" purchases not food and shelter as you like to state." Ive just read that report and unless I am mistaken you have made up this statisitic as I COULDNT FIND IT ANYWHERE. It does say this though Payday loans are significantly less popular than other forms of credit for those on the very lowest incomes. Many people on the very lowest incomes lack access to these loans. Recent DebtTrack research (with data up to 2012) shows that people on the very lowest incomes (less than £13,500) were less likely to use payday loans than other forms of credit. Only 13% of payday loan users had an annual income less than £13,500. This is borne out in qualitative studies. Our research found that some ‘survival borrowers’ used payday loans, seeing the speed, convenience and small amount of paperwork needed as the main advantages of these loans. However, many participants in the Optimisa research did not use payday loans, particularly lifestyle and reluctant borrowers. These borrowers considered that payday loans were inappropriate for low income borrowers as they may not be able to repay easily, therefore rolling over loans. They also considered the interest rates to be very high.67[/p][/quote]There is a subsequent report with breakdowns of the expenditure as well I have in PDF format If your interested I will scan to dropbox and put up a link tomorrow for anyone to read should they wish Andy2010
  • Score: -2

1:30pm Tue 29 Apr 14

pellethead says...

www.trusselltrust.or
g/rumour-response

this link also points to Andy2010 talking from his back passage. Again. Oh and Bradford Metropolitan Foodbank is run entirely by volunteers.
bradfordfoodbank.com
www.trusselltrust.or g/rumour-response this link also points to Andy2010 talking from his back passage. Again. Oh and Bradford Metropolitan Foodbank is run entirely by volunteers. bradfordfoodbank.com pellethead
  • Score: -3

1:45am Wed 30 Apr 14

son123 says...

pellethead wrote:
www.trusselltrust.or

g/rumour-response

this link also points to Andy2010 talking from his back passage. Again. Oh and Bradford Metropolitan Foodbank is run entirely by volunteers.
bradfordfoodbank.com
And food banks you maybe able to attend everyday for food but to take home to feed your family. Your limited to this 3 times per year. Ive been a volunteer!!!!!! X
[quote][p][bold]pellethead[/bold] wrote: www.trusselltrust.or g/rumour-response this link also points to Andy2010 talking from his back passage. Again. Oh and Bradford Metropolitan Foodbank is run entirely by volunteers. bradfordfoodbank.com[/p][/quote]And food banks you maybe able to attend everyday for food but to take home to feed your family. Your limited to this 3 times per year. Ive been a volunteer!!!!!! X son123
  • Score: -2

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