Alkaline Posted December 19, 2012 Report Share Posted December 19, 2012 That's great! I tend to use toilet paper, more hygienic.Also less cutty on the ringpiece. 3 Quote Link to comment Share on other sites More sharing options...
Dakota Posted December 19, 2012 Report Share Posted December 19, 2012 Not trying to start an argument, I'm sure we're basically on the same side, but I just thought your initial statement that people borrowing a 'minuscule' amount of £150 made you laugh was questionable. So I questioned it. It's easy to be derisive when you have your own affairs in order, I just wanted to point out that a lot of people are genuinely struggling to be so organised. For some people the difference between incomings and outgoings is a weekly knife edge balancing act that can easily tip the wrong way. Going to the bank seems like the obviously more sensible solution, but to some that's not an option. Obviously if they haven't got a perfect credit record, very often the banks just won't take the risk to help them. So their only option is to look elsewhere, for companies who will take risk, albeit at a higher cost. And they're not being helped by these companies that sell their loans as being 'quick, and simple' (adverts with thinks like people snapping their fingers and a new washing machine magically appears, "a few clicks on their website, and the cash was mine!" etc etc) - it's no surprise that a lot of people are tempted by these ads when an extra hundred or so would make a big difference, and they have no other option.I agree, I think it takes a lot of effort to be organised and not let things like this happen. Same with anything. I do think there are short courses available all around the place that can help folk to budget properly too. Just basic cash inflows and outflows, etc. I'll leave it at this, loans are very dangerous to get involved with, I'd rather sell everything I own than go near one. Also yeah, it can be really misleading them saying it's quick and easy. Yeah sure it's quick and easy to get the money but repayments aren't so much. Quote Link to comment Share on other sites More sharing options...
Soda Jerk Posted December 19, 2012 Report Share Posted December 19, 2012 They're not easy repayments if you dodge them and let gather huge fines and such. When you take one of these loans, you choose the date you get paid again and put in your card details. It takes it. Easy. You're shown how much you have to pay back and exactly when by. Very easy, so long as you're not an irresponsible dick.I'm actually not sure how people manage to miss the payment for a pay day loan, as it is set up as a scheduled debit card payment as soon as you take the loan out. I have no idea how you can stop that, other than taking all your money out of your account before the payment triggers, or lying about when your next pay date is, and not having the money to cover it. Quote Link to comment Share on other sites More sharing options...
Alkaline Posted December 19, 2012 Report Share Posted December 19, 2012 They're not easy repayments if you dodge them and let gather huge fines and such. When you take one of these loans, you choose the date you get paid again and put in your card details. It takes it. Easy. You're shown how much you have to pay back and exactly when by. Very easy, so long as you're not an irresponsible dick.I'm actually not sure how people manage to miss the payment for a pay day loan, as it is set up as a scheduled debit card payment as soon as you take the loan out. I have no idea how you can stop that, other than taking all your money out of your account before the payment triggers, or lying about when your next pay date is, and not having the money to cover it.Or you actually don't have the money to repay it. Quote Link to comment Share on other sites More sharing options...
Soda Jerk Posted December 19, 2012 Report Share Posted December 19, 2012 That too. Bad bastards. Quote Link to comment Share on other sites More sharing options...
Alkaline Posted December 19, 2012 Report Share Posted December 19, 2012 What annoys me about Payday loan companies is that it is quite clearly the government's attempt to wangle some extra wonga out of a legitimate loan shark system. Quote Link to comment Share on other sites More sharing options...
Adam Easy Wishes Posted December 19, 2012 Report Share Posted December 19, 2012 Is there a legitimate reason why financial education isn't standard in schools? I cannot stress enough how much this would have benefitted me in my late teens/early twenties. 2 Quote Link to comment Share on other sites More sharing options...
Frosty Jack Posted December 20, 2012 Report Share Posted December 20, 2012 Is there a legitimate reason why financial education isn't standard in schools? I cannot stress enough how much this would have benefitted me in my late teens/early twenties.http://www.moneysavingexpert.com/news/banking/2011/11/government-responds-to-compulsory-financial-education-petition 1 Quote Link to comment Share on other sites More sharing options...
Old Gold Posted December 20, 2012 Report Share Posted December 20, 2012 Is there a legitimate reason why financial education isn't standard in schools? I cannot stress enough how much this would have benefitted me in my late teens/early twenties.I don't think that kids that are dreaming of a perfect job or limitless earning potential would be particularly bothered about how to avoid getting fucked over by a credit card when they're scraping minimum wage. 1 Quote Link to comment Share on other sites More sharing options...
Lemonade Posted December 20, 2012 Report Share Posted December 20, 2012 My bank won't let me extend my overdraft. My girlfriend had to get a Wonga loan yesterday for £50 for an emergency dental appointment. How pathetic, £50! I wipe my arse with £50 notes!Out of interest, how much is she paying back? Quote Link to comment Share on other sites More sharing options...
Spoonie Posted December 20, 2012 Report Share Posted December 20, 2012 Is there a legitimate reason why financial education isn't standard in schools? I cannot stress enough how much this would have benefitted me in my late teens/early twenties.It definitely should be. For all the greief they get for other things, RBS do a great programme in schools called Moneysense, but there's unfortunately not the resource allocated to it to roll it out to everyone. That being said, I'm pretty sure that the materials that they use are made avilable to teachers and schools who want to roll them out themselves Quote Link to comment Share on other sites More sharing options...
fatboy Posted December 20, 2012 Report Share Posted December 20, 2012 I did a payday loan of £100I had to pay back £125 Quote Link to comment Share on other sites More sharing options...
Spoonie Posted December 20, 2012 Report Share Posted December 20, 2012 Cashback!Jurassic Park! Quote Link to comment Share on other sites More sharing options...
fertuiee Posted December 20, 2012 Report Share Posted December 20, 2012 1. People who buy scratch cards infront of you in the cue - Dicks2. People who dont indicate whenst driving - Dicks3. People, who dont let you out at T junctions ( ? ) when its clearly ok to do so ( lets face it girls, its moslty you ) - Dicks ( when driving a car ...sometimes )4. Heston Blumenthal - Dick Quote Link to comment Share on other sites More sharing options...
Teabags Posted December 20, 2012 Report Share Posted December 20, 2012 I wipe my arse with £50 notes!Me about to wipe my botty, earlier.You're brothers.YAY! Quote Link to comment Share on other sites More sharing options...
Jaaakkkeee Posted December 20, 2012 Report Share Posted December 20, 2012 I had a £50 note today. It's a pain in the arse how a lot of places won't accept them. I had to do a mad rush about this morning to get change for it like. Quote Link to comment Share on other sites More sharing options...
fatboy Posted December 20, 2012 Report Share Posted December 20, 2012 any bank or post office would have changed it.I hate how people treat a £50 note as if its something very special, like they will test a £50 note to see if its counterfeit before they would check a lesser value note.I've had a few hundred pound notes back in my dealing days. Quote Link to comment Share on other sites More sharing options...
Scootray Posted December 20, 2012 Report Share Posted December 20, 2012 I definitely wouldn't trust anyone on drugs giving me a big note. Quote Link to comment Share on other sites More sharing options...
fatboy Posted December 20, 2012 Report Share Posted December 20, 2012 how do you tell if someone is on drugs? Quote Link to comment Share on other sites More sharing options...
Alkaline Posted December 20, 2012 Report Share Posted December 20, 2012 how do you tell if someone is on drugs?I'd think going to a dealer would be a big giveaway... 1 Quote Link to comment Share on other sites More sharing options...
keeno Posted December 20, 2012 Report Share Posted December 20, 2012 Depends, if they are on opiates it's very easy to spot. The pupils give it away. Quote Link to comment Share on other sites More sharing options...
fatboy Posted December 20, 2012 Report Share Posted December 20, 2012 Yea I forgot there is a default way how someone looks/acts on drugs. Quote Link to comment Share on other sites More sharing options...
Alkaline Posted December 20, 2012 Report Share Posted December 20, 2012 Yea I forgot there is a default way how someone looks/acts on drugs.What does that even mean? It's hardly re-inventing the wheel to think that someone who is buying drugs might actually be a user themselves. Quote Link to comment Share on other sites More sharing options...
fatboy Posted December 20, 2012 Report Share Posted December 20, 2012 I was meaning about how different drugs effects different people under the influence of drugs. Not about the characteristics of people who solicit drugs. Quote Link to comment Share on other sites More sharing options...
keeno Posted December 20, 2012 Report Share Posted December 20, 2012 Yea I forgot there is a default way how someone looks/acts on drugs.That's not prejudice, it's a fact. Most opiates constrict your pupils. I've seen enough patients in hospital on them to have observed this myself. http://en.wikipedia.org/wiki/Miosis#Drugs Quote Link to comment Share on other sites More sharing options...
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