WTFiGO!?! Posted June 2, 2013 Report Share Posted June 2, 2013 I'm certainly to the right on this one. Drink too much alcohol, become alcoholic, screw your life up. Gamble irresponsibly, rack up huge debt, screw your life up. Eat too much shit, don't exercise, become obese, screw your life up. Use hard drugs, become hooked, screw your life up. Take out debt you are unlikely to be able to repay, don't repay it, screw your life up I for one have to work at not falling down one or more of these spirals. I still smoke unfortunately, I know the consequences, it is MY RESPONSIBILITY. These are not quantum scientific equations for the minimalist of self-sufficient person to grasp !!!!!! Perhaps, if social intervention is necessary it should be delivered through education, especially regarding financial management. Or as health warnings and government advice is largely ignored, people unable to comprehend and apply basic principles of action and consequence and do require state intervention should receive it in the form of workhouses (OTT I know and probably impossible to sanction) but FFS...... No sympathy for someone with a broken down washing machine btw and I could live on a £10 food budget a week if not less. I do suspect it's not invalids themselves moaning about payday companies, only others' on their behalf. And if anyone sarcastically sends me their hope that I never need to use them or wisely warns that I may one day have to eat my words, I won't. I'm not that retarded at life choice making (even if I've had my moments ). Link to comment Share on other sites More sharing options...
leftwingfullback Posted June 2, 2013 Report Share Posted June 2, 2013 for example If I need £100 to fix my car, or I won't be able to go to work, who will lend It to me at short notice? No overdraft etc , if it wasnt for companies like this, where would I go? Link to comment Share on other sites More sharing options...
Superjack Posted June 3, 2013 Report Share Posted June 3, 2013 Any truth in the rumour that Sags will be sponsored by a detergent company next year? I heard it will be the Finest Universal Cleaner Known or at least an abbreviation.... (With thanks to the late, great Fred Wedlock) No... it's Cleaning Up No Trouble. Link to comment Share on other sites More sharing options...
gater2 Posted June 3, 2013 Author Report Share Posted June 3, 2013 Glad this seems to have generated a lot of debate. IMO those arguing that 'it's people's choice; it's written clearly on the advertising' have missed a fairly fundamental aspect of being in a desperate situation: many (most?) people stop thinking rationally. These people need support, not temptation to borrow even more, potentially leading to debts spiralling more and more out of control. The issue is not lending money itself, it's lending at such high rates and also frequently breaking their own promises about irresponsible lending: http://www.citizensadvice.org.uk/press_office-21130530 Read the article by the person who set up the petition: http://www.independent.co.uk/voices/comment/not-fit-for-the-shirt-why-bolton-wanderers-should-shun-quick-quid-as-a-sponsor-8642652.html Link to comment Share on other sites More sharing options...
Rob k Posted June 3, 2013 Report Share Posted June 3, 2013 Glad this seems to have generated a lot of debate. IMO those arguing that 'it's people's choice; it's written clearly on the advertising' have missed a fairly fundamental aspect of being in a desperate situation: many (most?) people stop thinking rationally. These people need support, not temptation to borrow even more, potentially leading to debts spiralling more and more out of control. The issue is not lending money itself, it's lending at such high rates and also frequently breaking their own promises about irresponsible lending: http://www.citizensadvice.org.uk/press_office-21130530 Read the article by the person who set up the petition: http://www.independent.co.uk/voices/comment/not-fit-for-the-shirt-why-bolton-wanderers-should-shun-quick-quid-as-a-sponsor-8642652.html You would get a call from any finance company if you never paid your bills, it's not nice being in debt but a lot of people get themselves in a mess and want the easy way out. I've been in debt myself and learnt my lesson! I can't afford much now but I have no overdraft, loans or credit cards and I feel much happier for it. My old man used to be a bailiff, he said you hear all this bollox about going in to single mothers houses at Xmas and taking the toys etc he reckons it could not be much further from the truth, he said it would be people who had the flash cars, big TVs in every room etc, laptops, playstations, who were the problem as it was all on tick trying to keep up with everyone else when they could not afford it. Link to comment Share on other sites More sharing options...
JM91 Posted June 3, 2013 Report Share Posted June 3, 2013 You are of course entitled to your opinion, but unfortunately it is formed by what I presume is ignorance. This may help give you a more fully informed opinion. http://www.thesun.co.uk/sol/homepage/news/money/city/4345867/Payday-loan-debts-killed-our-son-18.html "This might help you make a more fully informed opinion"... The Sun Link to comment Share on other sites More sharing options...
Eco Posted June 5, 2013 Report Share Posted June 5, 2013 Good to see that Bolton have now dumped Quick Quid. Link to comment Share on other sites More sharing options...
Uncle Albert Posted June 5, 2013 Report Share Posted June 5, 2013 Good to see that Bolton have now dumped Quick Quid. Yup - http://www1.skysports.com/football/news/11672/8759120/Bolton-Wanderers-decide-against-QuickQuid-sponsorship Link to comment Share on other sites More sharing options...
leftwingfullback Posted June 5, 2013 Report Share Posted June 5, 2013 Good to see that Bolton have now dumped Quick Quid. I've never heard so much rubbish. Borrow a grand off lloyds you pay back £1250 Borrow off quick quid and its £1800 Now if lloyds won't give me a grand, and quickquid will for an extra £550, I don't think it's that bad. What about places like bright house Etc Link to comment Share on other sites More sharing options...
Monkeh Posted June 6, 2013 Report Share Posted June 6, 2013 I've never heard so much rubbish. Borrow a grand off lloyds you pay back £1250 Borrow off quick quid and its £1800 Now if lloyds won't give me a grand, and quickquid will for an extra £550, I don't think it's that bad. What about places like bright house Etc Lloyd's apr about 20% quick quid is about 236% some pay day loan company's are over 1500% That's very bad Link to comment Share on other sites More sharing options...
JammyOne Posted June 6, 2013 Report Share Posted June 6, 2013 Lloyd's apr about 20% quick quid is about 236% some pay day loan company's are over 1500% That's very bad It's not if you can afford it. Link to comment Share on other sites More sharing options...
Monkeh Posted June 6, 2013 Report Share Posted June 6, 2013 It's not if you can afford it. You wouldn't need it if you can afford it, these company's are designed to suck people in to the debt spiral Link to comment Share on other sites More sharing options...
wayne allisons tongues Posted June 6, 2013 Report Share Posted June 6, 2013 I think people complaining about quick quid should look at other companies. Credit cards, bank loans etc. are all the same thing just at a lower rate. Should we stop people having bank loans, credit cards for they can't afford it. Mortgages are an astronomical interest rate over the 25 years but people pay it. Should the football club cease trading for we can't afford to run and are borrowing what we can't afford (£42million). It's a case of either no loans or allow loans, all companies are in it to make money. In sure these companies have to get the money from somewhere, banks give it to them and then they lend it out at a higher rate. Cut out the middle man and its easier but banks don't like taking risks and looking bad so lend to these companies. Link to comment Share on other sites More sharing options...
JammyOne Posted June 6, 2013 Report Share Posted June 6, 2013 You wouldn't need it if you can afford it, these company's are designed to suck people in to the debt spiral Not any more than Budweiser are trying to make everyone alcoholics, or McDonalds trying to make everyone fat. They offer a service, they name their price and it's up to the people to make their own choices as to whether they want to use them. As said previously, people need to take responsibility for themselves instead of always looking to other people to sort their mess. It's probably the biggest problem we have in this country. Link to comment Share on other sites More sharing options...
gater2 Posted June 6, 2013 Author Report Share Posted June 6, 2013 ABSOLUTELY delighted Bolton have made the right decision and scrapped plans to have QuickQuid as their sponsor. Powerful message to the loan sharks that people will stand up to them and wonderful to see a club actually listening to fans and not putting its head in the sand. Thanks to everyone who signed the petition - every signature made a difference!! Link to comment Share on other sites More sharing options...
leftwingfullback Posted June 6, 2013 Report Share Posted June 6, 2013 Lloyd's apr about 20% quick quid is about 236% some pay day loan company's are over 1500% That's very bad I need a grand quick though, where else can I go Link to comment Share on other sites More sharing options...
Slacker Posted June 6, 2013 Report Share Posted June 6, 2013 Not any more than Budweiser are trying to make everyone alcoholics, or McDonalds trying to make everyone fat. They offer a service, they name their price and it's up to the people to make their own choices as to whether they want to use them. As said previously, people need to take responsibility for themselves instead of always looking to other people to sort their mess. It's probably the biggest problem we have in this country. Link to comment Share on other sites More sharing options...
dezgimed Posted June 6, 2013 Report Share Posted June 6, 2013 Lloyd's apr about 20% quick quid is about 236% some pay day loan company's are over 1500% That's very bad Per annum though? Link to comment Share on other sites More sharing options...
Slacker Posted June 6, 2013 Report Share Posted June 6, 2013 JammyOne.Not everybody is in debt due to irresponsible and excessive spending.Some people are victims of circumstance.To use your burger analogy.imagine if a seriously obese person with an eating disorder went to Burger King and they refused to serve him because of his weight/health issues but then McDonald's agreed to sell him a burger at ten times the price of the BK one.It is a question of companies exploiting people by being morally bankrupt. Link to comment Share on other sites More sharing options...
Davros Posted June 6, 2013 Report Share Posted June 6, 2013 I don't understand the hate with these pay day loan websites, if you don't like their stupidly high interest rates then don't do business with them. It doesn't get any simpler than that. Where? QuickQuid is not that bad a payday loan company compared to others, seriously wonga need a ******* slap! Link to comment Share on other sites More sharing options...
Monkeh Posted June 6, 2013 Report Share Posted June 6, 2013 Not any more than Budweiser are trying to make everyone alcoholics, or McDonalds trying to make everyone fat. They offer a service, they name their price and it's up to the people to make their own choices as to whether they want to use them. As said previously, people need to take responsibility for themselves instead of always looking to other people to sort their mess. It's probably the biggest problem we have in this country. Oh I agree to a degree, it's just firms like that need better regulation and IMHO shouldn't be aloud to advertise on tv Link to comment Share on other sites More sharing options...
havanatopia Posted June 6, 2013 Report Share Posted June 6, 2013 Lloyds @ 20% APR ? ... that is pretty shameful in itself with base rates @ 0.5%. In my opinion the industry needs some sorting out on these interest rates. Link to comment Share on other sites More sharing options...
leftwingfullback Posted June 6, 2013 Report Share Posted June 6, 2013 Lloyds @ 20% APR ? ... that is pretty shameful in itself with base rates @ 0.5%. In my opinion the industry needs some sorting out on these interest rates. Yep, I looked yesterday out of interest, a grand loan over a year is 20% apr Link to comment Share on other sites More sharing options...
Aizoon Posted June 6, 2013 Report Share Posted June 6, 2013 Perhaps Bolton needed the Wonga... (btw, these 'payday loan' companies are a complete rip-off avoid them like plague, if you're in a spot of financial difficulty get some decent advice first...Citizens Advice Bureaux,.... Bristol City council Welfare Rights Money Advice Service... or some such service as these. If you're able to save a liitle now and again but maybe need a little help sometimes as well - try the Bristol Credit Union, they're about as fair as you will find anywhere, & better to deal with than the big high st banks) Very good advice. Mind you, if you're short of the readies, a coked-up Millwall fan with a pitbull is better to deal with than the big high st banks Link to comment Share on other sites More sharing options...
Barrs Court Red Posted June 6, 2013 Report Share Posted June 6, 2013 If Nu Liebour hadnt spawned a generation of, ****less, no responsibility wasters, these companies wouldnt exist. Link to comment Share on other sites More sharing options...
Roger Red Hat Posted June 6, 2013 Report Share Posted June 6, 2013 If Nu Liebour hadnt spawned a generation of, ****less, no responsibility wasters, these companies wouldnt exist. Thatcher destroyed our industry, threw millions on the dole and did diddly squat to sort out the mess she created. I presume you're to young to remember that, but now you know. Link to comment Share on other sites More sharing options...
Barrs Court Red Posted June 6, 2013 Report Share Posted June 6, 2013 Thatcher destroyed our industry, threw millions on the dole and did diddly squat to sort out the mess she created. I presume you're to young to remember that, but now you know. Unrealistic, mitant unions destroyed British industry. Stick to your blinkered view all you want. Link to comment Share on other sites More sharing options...
Roger Red Hat Posted June 6, 2013 Report Share Posted June 6, 2013 Stick to your blinkered view all you want. Right back at ya, BCR. Link to comment Share on other sites More sharing options...
BigTone Posted June 6, 2013 Report Share Posted June 6, 2013 Seems that Bolton have taken the public outcry on board and cancelled the sponsorship Link to comment Share on other sites More sharing options...
Tall King Blox Posted June 6, 2013 Report Share Posted June 6, 2013 Seems that Bolton have taken the public outcry on board and cancelled the sponsorship What do the guys over the Bristol channel think ? Link to comment Share on other sites More sharing options...
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