Wonga again

[wales01man]

Re: Wonga again

The blame is with the punters if the companies are operating within the law they are legally doing nothing wrong,the campaign should be to get laws passed putting a limit on interest charged trying to stop the companies all the time people are using them is going nowhere

[jon1965]

Re: Wonga again

I guess you agree with some tories that people using food banks are just hard line scroungers or that alcoholics, smokers and other "legal" addicts are also to blame.
Granted it is a whole complex argument and free will is involved but informed choice is not what is happening. There is no money management education in this country, the benefits system stinks , there is a complete lack of social responsibility or community (thanks Maggie). I used to have a tame garage that in an emergency would fix my car and let me pay at the end of the month....that sort of thing is hard to find now.
Luckily, as I have to remind myself , there are good people around who will help and support others and hopefully whatever the system does they will still be around.

[Inca]

Re: Wonga again

Personally..I think PDL companies are the scum of the Earth and the whole industry should be shut down.

[wales01man]

Re: Wonga again

Where do scroungers benefit cheats and others come into this?if smokers and alcoholics are going to food banks it means they are spending food money on fags and booze the benfits system does indeed stink but its use as a lifeline went long ago. Anyone using a payday loan company by now should have read or heard of the high interest rates that they are getting themselves into or have they been asleep for a long time,as for the good people I think im one I support anyone who gets themselves into a situation often through no fault of their own like being in debt due to unemployment or business failure I also support the law of the land and until payday lenders and high interest rates are outlawed many will fall for them if they cant read the small print and realise what they are letting themselves in for .I remember a time when people like your garage man would give time to pay but I suspect people not returning to pay stopped that,i for one if someone asked and if I could would help out if I could sorry to say nowadays people don't ask mainly because as you say community no longer exists

[charitynjw]

Re: Wonga again

http://www.independent.co.uk/news/uk...s-8697821.html

British public wrong about nearly everything, survey shows

Research shows public opinion often deviates from facts on key social issues including crime, benefit fraud and immigration

A new survey for the Royal Statistical Society and King's College London shows public opinion is repeatedly off the mark on issues including crime, benefit fraud and immigration.

The research, carried out by Ipsos Mori from a phone survey of 1,015 people aged 16 to 75, lists ten misconceptions held by the British public. Among the biggest misconceptions are: (read article - it may surprise you!)

[jon1965]

Re: Wonga again

Walesman, I did not mention benefit cheats , neither did I mention smokers and drinkers in relation to foodbanks. I did say that smoking and drinking and gambling are all perfectly legal but for some people they are a problem. The marketing of these industries pretend to be all concerned about health and welfare but in reality all they are interested in is profit. They are very sophisticated at the marketing and trapping people into these patterns

[FlamingParrot]

Re: Wonga again

Personally..I think PDL companies are the scum of the Earth and the whole industry should be shut down.

I AGREE 100%! :clap2:

I know some will argue they fill a gap, etc. but people have managed without them for decades and when you have illegal loan sharks offering better deals, something is seriously wrong.

[wales01man]

Re: Wonga again

Gamblers Drinkers and Smokers together with those who use payday lenders are on the whole educated enough to know the problems related to using fags booze PDL and gamblers unless they have been living under a rock know what they are getting into.Anyone who falls into any of these too deep can if they want get help its out there from charities or paid for sources,we are all big enough and ugly enough to create our own problems and have the sense if we want to get into bother or to get help to get out of it we cannot blame the companies when they are acting within the law.If anyone feels so strongly these companies are so bad take it up with those who can act against them although I suspect the lenders and others will be around a while yet.

[CleverClogs]

Re: Wonga again

gamblers unless they have been living under a rock know what they are getting into.

One must seriously doubt whether habitual gamblers are even capable of rational thought.

[FlamingParrot]

Re: Wonga again

One must seriously doubt whether habitual gamblers are even capable of rational thought.

Some people are addicted to gambling, just like others smoke or take drugs. Most addicts are aware that what they're doing is wrong but are unable to stop, that doesn't mean they are not capable of rational thought.

[jon1965]

Re: Wonga again

One must seriously doubt whether habitual gamblers are even capable of rational thought.

Indeed Cloggy. I doubt very much that gamblers borrow to fund their gambling, more that they borrow after they have lost all their money. That was certainly my experience. Walesman I think your view of addiction shows a distinct lack of understanding and is very offensive.

I believe in addictive personalities and that doesn't just refer to what are thought of as addictions such as drink drugs etc more the way our brain is wired ...very difficult to find a balance in whatever we do.

[wales01man]

Re: Wonga again

JOn I had an alcoholic brother who died because of his drinking despite all the help and treatment he had strange that the booze that killed him he had to buy my mother died of cancer she didn't buy that in a shop??/I don't give a toss about any so called addicts out there who cannot be bothered to get the help that's there I would support anyone and have in the past who has had an addiction and got through it I do understand it and if my words are offensive let them have another drink another injection or bet, we should worry about those who help themselves not the wasters who like my brother and a few others I have know are now gone

[jon1965]

Re: Wonga again

Before any addict can get effective help they need to admit what is wrong. I am sorry about your brother but I have to point out that help is not always available or appropriate. My circumstances are I think fairly common knowledge. Because of my addiction I have big debts no job and a serious criminal record. It still worries me what I will do should I have a lump sum of money. Maybe that means I am aware and luckily for me I currently have support from the probation service. I know that a job in a pub would be a bad idea as would a job coming in contact with cash. As it goes my last job did not have a cash element when it started but that evolved.

[wales01man]

Re: Wonga again

Jon You have the sense to get help hope it ends well,if everone got the help things overall must get better