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Buy Now Pay Later & CC/Pay Day Loans Lifestyles |
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#26 |
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Forum Member
Join Date: Feb 2011
Location: Liverpool/sarf London.
Posts: 11,740
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Quote:
Any pics of medication yet?
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#27 |
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Forum Member
Join Date: Feb 2011
Posts: 25,224
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Quote:
Read my post again and you will see that you have posted the "tosh."
You will agree that the vast majority of people that spend on the never never and have difficulties repaying are on the lower social scale and that remains a fact. |
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#28 |
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Forum Member
Join Date: Jan 2012
Posts: 375
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#29 |
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Forum Member
Join Date: Jul 2012
Posts: 790
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Quote:
Ask yourself this, why buy a tv costs 800 quid and repay 2500?? I rest my case https://www.ifs.org.uk/publications/3158 Why would anyone pay back 2500 for a £800 tv, when they could either: Buy it over a certain period such as 12 months interest free and pay the £800 or buy it for £800 on a credit card if they don't have the cash, switch the balance after a certain period and pay interest free over say 24 months at payments they could afford, which will still mean they paid £800 plus a small balance transfer fee if that's what they have done. Not everyone shops at places such as Brighthouse. In my opinion, many of those that are "educated" may have higher debts as they may have more expensive tastes or to keep up with their peers who are higher earners.
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#30 |
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Forum Member
Join Date: Oct 2009
Posts: 8,749
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Quote:
I'll stand by what I have stated ealier
![]() ![]() ![]() ![]() ![]() Can't say fairer than that, can I? |
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#31 |
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Forum Member
Join Date: Jan 2008
Posts: 15,017
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Quote:
Ready my first post on this thread again and you will note I am talking about the majority and NOT all cases and that is a fact
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#32 |
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Forum Member
Join Date: Aug 2010
Location: The Pit of Despair
Posts: 50,183
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I think I'm losing the will to live, and it's only page 2!
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#33 |
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Forum Member
Join Date: Apr 2005
Location: colchester
Posts: 15,350
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I think I'm losing the will to live, and it's only page 2!
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#34 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
Tell you what... I'll stick to giving English lessons if you stick to photocopying.
![]() Can't say fairer than that, can I? ![]() ![]() I love these forums, so easy to be nice
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#35 |
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Forum Member
Join Date: Mar 2009
Posts: 20,674
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Quote:
Have you thought about a loan for a dream holiday?
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#36 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
I think I'm losing the will to live, and it's only page 2!
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#37 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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#38 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
Why would you do that?
Why would anyone pay back 2500 for a £800 tv, when they could either: Buy it over a certain period such as 12 months interest free and pay the £800 or buy it for £800 on a credit card if they don't have the cash, switch the balance after a certain period and pay interest free over say 24 months at payments they could afford, which will still mean they paid £800 plus a small balance transfer fee if that's what they have done. Not everyone shops at places such as Brighthouse. In my opinion, many of those that are "educated" may have higher debts as they may have more expensive tastes or to keep up with their peers who are higher earners. ![]() About "higher debts," that's a no brainer friend as thos same people are able to pay of debts, keep roof over head and PAY their bills on the whole when compared to those on the lower social scale.
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#39 |
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Forum Member
Join Date: Mar 2004
Location: South
Posts: 10,848
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Everyone does realize that our entire financial system would probably come crashing down if these sort of people weren't paying ridiculous amounts of interest and fines? Who do you think pays to keep the banking system going - us with our zero percent credit cards and free current accounts? No, it's the couple that go overdraft every month and end up paying £50 a time in fees.
Of course it's stupid to get yourself into that sort of debt, but when your take home salary is £1200 a month and your rent is £800 it's not hard to see how you slip into it. |
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#40 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
Everyone does realize that our entire financial system would probably come crashing down if these sort of people weren't paying ridiculous amounts of interest and fines? Who do you think pays to keep the banking system going - us with our zero percent credit cards and free current accounts? No, it's the couple that go overdraft every month and end up paying £50 a time in fees.
Of course it's stupid to get yourself into that sort of debt, but when your take home salary is £1200 a month and your rent is £800 it's not hard to see how you slip into it. People must learn to live within their means and not try to run before they can walk. When I was younger, I used to catch a bus but some of my college/uni mates would use a cab at least a few times a week where as I would only use a cab on the odd occasion - it's called money/life managment and schools should educate the masses that can't cope with money and many have never worked in their lives and unable to grasp the meaning of money. If there was better education re how to run a home, support self, support a family, less people would suffer and that is a fact |
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#41 |
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Forum Member
Join Date: Apr 2005
Location: colchester
Posts: 15,350
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I wish there were better education standards with respect to teaching the writing of coherent sentences.
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#42 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Just been reading about those pay day outfits were pulled up and you rarely hear about one of them now - the same out used to advertised almost 24/7 on tv.
The same people that get into deb over the xmas hols esepcially are the types that gamble on line and betting shops - that is why you see so many betting shops in devasted areas of the uk. it's a viucious circle that need to stop |
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#43 |
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Forum Member
Join Date: Oct 2009
Posts: 8,749
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Quote:
I wish there were better education standards with respect to teaching the writing of coherent sentences.
It would be odd to consider taking financial advice from someone who utilises textspeak or some other bizarre abbreviation of their own device.
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#44 |
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Forum Member
Join Date: Jun 2005
Posts: 8,420
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Probably the clowns!
99% fact! |
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#45 |
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Forum Member
Join Date: Feb 2011
Posts: 25,224
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Quote:
Just been reading about those pay day outfits were pulled up and you rarely hear about one of them now - the same out used to advertised almost 24/7 on tv.
The same people that get into deb over the xmas hols esepcially are the types that gamble on line and betting shops - that is why you see so many betting shops in devasted areas of the uk. it's a viucious circle that need to stop |
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#46 |
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Forum Member
Join Date: Mar 2008
Location: GLASGOW
Posts: 701
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Quote:
Buckfast.
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#47 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
............ you sound like a very . judgemental person and seems to think you are superior to other people. Still living at home are we the bank of mummy and daddy is it
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#48 |
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Forum Member
Join Date: Jun 2006
Posts: 5,505
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I think you need educate yourself before commenting about other people lifestyle choices. Not all pay later etc have massive interest attached like bright house.
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#49 |
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Forum Member
Join Date: Mar 2009
Posts: 20,674
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Quote:
Living with "mum and dad," in a nice 5 bed house in a nice location, nothing wrong with that as the money I have worked for, some of it is invested in a flat, and able to drive a new car, live a nice lifestyle, not be in debt, help mum and dad as required and they help me in turn - whats wrong with that mate? My parents tought me never try to run before you can wlak, puka advice!
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#50 |
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Forum Member
Join Date: Oct 2009
Posts: 8,749
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Quote:
Oh Greg stop with the bragging, no-one believes you (didn't work first time round).
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