MooseBreath Posted 1 July 2013 Share Posted 1 July 2013 Loans should be banned and the government should start handing out blank cheques to anyone who encounters difficulties. Their poor financial management is someone else's fault so it's only fair that someone else should pay for it. Personal accountability? Not in 2013, my friends. Oh no. We dont go in for that anymore. Link to comment Share on other sites More sharing options...
MooseBreath Posted 1 July 2013 Share Posted 1 July 2013 I love it how there's a payday loan company ad at the bottom of this page. Really? I've got sexy dwarves for sale at the bottom of mine. They'll do anything, apparently. Link to comment Share on other sites More sharing options...
Guest MattP Posted 1 July 2013 Share Posted 1 July 2013 I've got the Montcalm hotel. (Humblebrag) Link to comment Share on other sites More sharing options...
lavrentis Posted 1 July 2013 Share Posted 1 July 2013 Adblock so don't see any Link to comment Share on other sites More sharing options...
Webbo Posted 1 July 2013 Share Posted 1 July 2013 Really? I've got sexy dwarves for sale at the bottom of mine. They'll do anything, apparently. I think they might be the puppets from the Wonga ad. Link to comment Share on other sites More sharing options...
Rincewind Posted 1 July 2013 Share Posted 1 July 2013 Bee Loans taking the sting out of payday loans. Irony. Link to comment Share on other sites More sharing options...
RobHawk Posted 1 July 2013 Share Posted 1 July 2013 Loans should be banned and the government should start handing out blank cheques to anyone who encounters difficulties. Their poor financial management is someone else's fault so it's only fair that someone else should pay for it. Personal accountability? Not in 2013, my friends. Oh no. We dont go in for that anymore. I think all form's of credit should be regulated and that the current regulations need to be tightened!! I believe individuals should take account for themselves and to take action rather than stick their head in the sand! That doesn't mean the support shouldn't be there in order for them to tackle their difficulties! And it isn't always their fault, or something they could have avoided - but in this day and age we shouldn't be allowing these "legal loan sharks" to target the vulnerable as they do! You need to stop taking in the governments class war propaganda as you seem to say the same thing in every single thread! Link to comment Share on other sites More sharing options...
Webbo Posted 1 July 2013 Share Posted 1 July 2013 I think all form's of credit should be regulated and that the current regulations need to be tightened!! I believe individuals should take account for themselves and to take action rather than stick their head in the sand! That doesn't mean the support shouldn't be there in order for them to tackle their difficulties! And it isn't always their fault, or something they could have avoided - but in this day and age we shouldn't be allowing these "legal loan sharks" to target the vulnerable as they do! You need to stop taking in the governments class war propaganda as you seem to say the same thing in every single thread! If you want anyone to take you seriously you've got to stop talking crap like that. Link to comment Share on other sites More sharing options...
Rincewind Posted 1 July 2013 Share Posted 1 July 2013 I've stopped replying to Moose. Would it be a persons fault if their partner developed cancer and they had to stay at home to take care of them? Cancer or death does not always come with a warning. Link to comment Share on other sites More sharing options...
Webbo Posted 1 July 2013 Share Posted 1 July 2013 I've stopped replying to Moose. Would it be a persons fault if their partner developed cancer and they had to stay at home to take care of them? Cancer or death does not always come with a warning. And what's that got to do with payday loans? Link to comment Share on other sites More sharing options...
Guest MattP Posted 1 July 2013 Share Posted 1 July 2013 I've stopped replying to Moose. Would it be a persons fault if their partner developed cancer and they had to stay at home to take care of them? Cancer or death does not always come with a warning. That happenedpto my godmother and she got loads of financial help from the government. Can you give examples of people like this who have been made homeless? Link to comment Share on other sites More sharing options...
Rincewind Posted 1 July 2013 Share Posted 1 July 2013 http://england.shelter.org.uk/get_advice/homelessness/what_is_homelessness Who is affected by homelessness?Homelessness affects a wide variety of people. You may be more vulnerable to homelessness because you have particular needs, are less able to cope by yourself or have limited housing rights, for example if you are: a young person leaving home for the first time or leaving care an offender leaving prison pregnant, with nowhere to stay when the baby comes responsible for bringing up children living on benefits or a low income affected by housing benefit cuts an asylum seeker, refugee or person from abroad. Back to top Why are people homeless?You could become homeless for many different reasons. These could include: being evicted because of rent arrears caused by money problems the breakdown of your relationship with your partner, parents or family having to leave because of domestic violence or abuse illegal eviction or harassment by a landlord a disaster such as a fire or flooding. Link to comment Share on other sites More sharing options...
Guest MattP Posted 1 July 2013 Share Posted 1 July 2013 http://england.shelter.org.uk/get_advice/homelessness/what_is_homelessness Not a single one there. Link to comment Share on other sites More sharing options...
Rincewind Posted 1 July 2013 Share Posted 1 July 2013 OK of course you are right.. Link to comment Share on other sites More sharing options...
RobHawk Posted 1 July 2013 Share Posted 1 July 2013 If you want anyone to take you seriously you've got to stop talking crap like that. Its not crap though is it? I don't agree with any political party right now as they are all terrible (except maybe the SNP as they actually seem to be able to think outside the box and get things done but not living in Scotland i don't know enough about there policies outside of my expertise) but since the coalition came in there really has been alot of propaganda about those in need being scroungers and low life's. That's not to say some are low life's and scroungers but the point Ken is trying to make is it can happen to anyone, and i see good upstanding people every day who find themselves in terrible circumstances. You can disagree with me all you like, but that is my view and its based on what i see on a daily basis. Whether or not you take me seriously or not isn't my problem but Moose does argue the same point in every thread and its getting tired, There is always a question on accountability, but with payday loans charging 4500% interest to those who don't have jobs (therefore no payday?) and are extremely vulnerable is morally inexcusable! The clue is in the name but the likes of Wonga and Quickquid forgot that to make more money!!! Link to comment Share on other sites More sharing options...
Webbo Posted 1 July 2013 Share Posted 1 July 2013 There is no class war. Link to comment Share on other sites More sharing options...
Guest MattP Posted 1 July 2013 Share Posted 1 July 2013 OK of course you are right.. Erm of course I am. Can you provide some actual examples? Link to comment Share on other sites More sharing options...
indierich06 Posted 1 July 2013 Share Posted 1 July 2013 Redundancy, loss of partner, a mental breakdown, depression , having to devote full care to a partner loved one, child, loss of a child, hospilisation of a partner child, reduction of hours/pay. All these can be sudden and can be seen coming with hindsight. A lot of people demonise PPI due to the mis-selling scandal, but this kind of thing is exactly what it's for and a lot of loans sell insurance products to cover you if you're incapable of making payments, some loans come with holiday periods which don't incur penalties. A lot of the time, the best way to deal with the problem is to call up the lenders and discuss, frankly and honestly, what your situation is and try and find some kind of compromise. Taking out a payday loan is like putting a plaster on a bulletwound. It might buy you a bit of time, but then before you know it the bills are back and you're deeper in the shit than you were before. People often say it's a last resort, but I bet the majority of people don't properly explore all of their options before they take one - they take one because it's an easy short term fix. Link to comment Share on other sites More sharing options...
Guest MattP Posted 1 July 2013 Share Posted 1 July 2013 There is no class war. Nope there isn't. But some people need every excuse going to try and excuse their failings in life. A class war only in this country could people be accused of waging a war on the underclass by showering them will free houses, plasmas, travel, food, beer and fags. Link to comment Share on other sites More sharing options...
Jon the Hat Posted 1 July 2013 Share Posted 1 July 2013 Nope there isn't. But some people need every excuse going to try and excuse their failings in life. A class war only in this country could people be accused of waging a war on the underclass by showering them will free houses, plasmas, travel, food, beer and fags. I am reminded of a programme about child poverty where the presenter asked a mum how she got a big TV when she said she could not afford to feed her kids. She started shouting about how it was a gift for their Dad and he had to work hard to pay for it. Would be funny if it wasn't so stupid. Link to comment Share on other sites More sharing options...
RobHawk Posted 1 July 2013 Share Posted 1 July 2013 Nope there isn't. But some people need every excuse going to try and excuse their failings in life. A class war only in this country could people be accused of waging a war on the underclass by showering them will free houses, plasmas, travel, food, beer and fags. There is no class war. When i have more time i will trawl through some of comments made by politicians made within the cabinet and we can debate this in more detail. It's a personal opinion and i respect yours is different to mine, However, it is irrelevant to the point i was making about Payday loans - more a comment about Moose. So feel free to reply to anything else I've said that is actually based on the point of this topic! Link to comment Share on other sites More sharing options...
Rincewind Posted 1 July 2013 Share Posted 1 July 2013 There is no class war. Link to comment Share on other sites More sharing options...
Webbo Posted 1 July 2013 Share Posted 1 July 2013 There is no class war. No ken, you've lost me there. Link to comment Share on other sites More sharing options...
Jon the Hat Posted 1 July 2013 Share Posted 1 July 2013 I think all form's of credit should be regulated and that the current regulations need to be tightened!! I believe individuals should take account for themselves and to take action rather than stick their head in the sand! That doesn't mean the support shouldn't be there in order for them to tackle their difficulties! And it isn't always their fault, or something they could have avoided - but in this day and age we shouldn't be allowing these "legal loan sharks" to target the vulnerable as they do! You need to stop taking in the governments class war propaganda as you seem to say the same thing in every single thread! If you think the majority in the UK think benefits should be cut becuase of a line they are peddled by the Government then it is you sir who are out of touch with reality, not the majority. Link to comment Share on other sites More sharing options...
MooseBreath Posted 1 July 2013 Share Posted 1 July 2013 I think all form's of credit should be regulated and that the current regulations need to be tightened!! I believe individuals should take account for themselves and to take action rather than stick their head in the sand! That doesn't mean the support shouldn't be there in order for them to tackle their difficulties! And it isn't always their fault, or something they could have avoided - but in this day and age we shouldn't be allowing these "legal loan sharks" to target the vulnerable as they do! You need to stop taking in the governments class war propaganda as you seem to say the same thing in every single thread! I don't think I've argued the toss around payday loans in any other thread, but yes I would expect a degree of consistency to exist within my posts. That's what happens when your opinions aren't swayed by every sob story or fad you hear about.I do respect you opinion on this topic. You believe the government should step in and exercise control in order to protect people from making mistakes. I believe that leads to a blame culture (see rincewind) which ultimately helps nobody, and therefore people should be allowed to make their own mistakes. As I said earlier, as long as all charges are made explicit, people should be allowed to make their own decisions. Link to comment Share on other sites More sharing options...
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