Bradford people warned not to get a loan to pay for presents (From Bradford Telegraph and Argus)

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

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

What do you think ?

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

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

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

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

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

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

sitting in the banks earning the banks loadsa money.

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

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

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

Another Landless Peasant wrote:
WE WILL EAT THE RICH.

webess wrote:

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that.

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

10% of people are paying half the tax..

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that.

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

10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

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

Matthew 19:24

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

Matthew 19:24

webess wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that.

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

10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

5% of the people holding 90% of the wealth - where on earth do you get this drivel from?

RollandSmoke wrote:

webess wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that.

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

10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

5% of the people holding 90% of the wealth - where on earth do you get this drivel from?

Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.

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

Oh what a wonderful world.

webess wrote:

RollandSmoke wrote:

webess wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote:
TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that.

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

10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

5% of the people holding 90% of the wealth - where on earth do you get this drivel from?

Where do you get your drivel from? I'm sure you can show me figures that are lower from the likes of HMRC but remember those figures will only be based on declared, hence taxable, income and as we know they are paying accountants to find ways not to declare it and very good they are at it.

In other words you've just made a figure up..

Thee Voice of Reason wrote:

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

Oh what a wonderful world.

I mentioned this a few posts in.
Where was Mr Sutcliffe for comment on this story?

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

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

"sell your possessions, give your money to the poor, and come follow me".

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

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

RollandSmoke wrote:

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

What's the difference if they're all Common Purpose?

Thee Voice of Reason wrote:

RollandSmoke wrote:

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

What's the difference if they're all Common Purpose?

He's to dim and shortsighted to realise they are all the same.

Shelfrhino wrote:

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

That is what is wrong with socialism, it rewards the the useless, unlike nature which lets the useless die off. Give me nature anytime. As far as my possessions go, next time you see me driving down the street in my BMW bundle of vibrating particles held together by my own mind, step out in front of me and put your theory to the test you fool, you may get to meet your 2000 year old socialist, although I wouldn't count on it.

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

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

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

Thee Voice of Reason wrote:

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

Is this the same Labour who have taken foster children off a family simply because they are members of UKIP.
Disgraceful.

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

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

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

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

Andy2010 wrote:

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

Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse

Alas I have found most people just resort to slagging off these companies without actually understanding APR

WayneRouke wrote:

Andy2010 wrote:

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

Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR

Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...

Andy2010 wrote:

WayneRouke wrote:

Andy2010 wrote:

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

Excellent example. I have tried explaining this before to people on these boards but they see 4000% apr and naturally assume this is way more than other lenders ( banks) charge where in fact for short term lending as they are intended for they are actually no worse Alas I have found most people just resort to slagging off these companies without actually understanding APR

Thank you. Another one for you, using the figures from the websites themselves (Try it for yourself). Use your (Halifax) overdraft to pay for Xmas Presents, pay the overdraft off over twelve months. Total "Interest" paid = 364.00, Total amount payable = £864.00 (more if you default and dont pay up on time), Take £500.00 out with Provident over 12 months (or more if you go into arrears)-- Interest = £410.00, total amount payable = £910..(£50.00 difference), That means you only have to go two months extra overdraft and the bank is actually more expensive.. Borrow less and the bank becomes more expensive. Eg Provident Loan 300.00 same term, interest = 246, total payable = 546. Bank "Interest" = 364 Total payable £564, so you are better off with Provident than your bank if you borrow less. Forget Wonga etc, they are emergency pay day loans only, and they thrive on Rollovers.. But if you are in the habit of going into arrears, your bank is NOT the best place to go. Bank interest is very misleading when you take their charges into account.. The topic of this thread was people advised to NOT borrow over Xmas.. Good advice, but if you must, do not assume your bank is the best place to go... Do the maths and look very carefully at the charges for defaults(which is where banks make a lot of money on)...

Another excellent illustration

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

If people took time as you have done yourself above to consider borrowing from various instituations they would actually realise they are all basically the same but because of the jargon and credit terms used by banks they are clever in tricking the consumer into beleiving they are actually cheaper than companies such as Provident who tell it straight

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

Albion. wrote:

Another Landless Peasant wrote: WE WILL EAT THE RICH.

That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.

Gabbysgran wrote:

Albion. wrote:

Another Landless Peasant wrote: WE WILL EAT THE RICH.

That would simply be too much of an effort for you! Light up another joint (that the rest of us have bought for you) lay back and carry on fooling yourself.

Brilliant - spot on Albion! If people like Another Landless Peasant manages to chase all the rich out of the country who is going to pay for his social security lifestyle!

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

Gabbysgran wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!

Andy2010 wrote:

Gabbysgran wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!

Your son has the right attitude then. Unfortunately most nowadays dont

RollandSmoke wrote:

Andy2010 wrote:

Gabbysgran wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!

Your son has the right attitude then. Unfortunately most nowadays dont

Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy

Andy2010 wrote:

RollandSmoke wrote:

Andy2010 wrote:

Gabbysgran wrote:

RollandSmoke wrote:

webess wrote:

Another Landless Peasant wrote: TAKE THE MONEY OFF THE RICH AND GIVE IT TO THE POOR !!!!

Tax system already does that. Basically it's only the higher rate tax payers who're net contributors to the tax system. Those in the middle pay in as much as they take out. 10% of people are paying half the tax..

Less than 5% hold 90% of the wealth. If they were paying what they should instead of finding loopholes and tax havens we wouldn't have anything like the problems we do. You seem to be shouting "Think of the shareholders. Won't somebody please think of the shareholders". You'll have to shout louder if you want to be heard over the cries of the poor and destitute.

My son was told this when he was at school by some leftie teacher - his response was "I'll have to make sure I'm one of the 5% then won't I" - and he is well on his way to doing it I am glad to say!

Your son has the right attitude then. Unfortunately most nowadays dont

Yes good for him. Is he paying his taxes or is he employing an accountant to find ways not to? Feel free to answer yourself Andy

Obviously not knowing him I couldnt answer that but how can anyone turn their nose up at someone wanting to and striving to make a success out of their life?

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

Debt is optional when it comes to extras in life.