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I don't like labelling people thick or stupid. 

There is a massive problem with personal debt in this country  - I think it was recently announced that each household owes about £15 & half thousand (not including mortgages).

This issue goes back years, to the 1980s when the shackles & regualtions were removed,.  Immediate gratification and the spend, spend, spend culture that I have grown up with really has hit a peak. 

Whilst yes, its up to people to be as financially savvy as possible, credit companies should be more responsible in their lending. 

People shouldn't be afraid to say no to their children, just like companies shouldn't be afraid to say no to potential customers.

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4 minutes ago, Mister M said:

I don't like labelling people thick or stupid. 

There is a massive problem with personal debt in this country  - I think it was recently announced that each household owes about £15 & half thousand (not including mortgages).

This issue goes back years, to the 1980s when the shackles & regualtions were removed,.  Immediate gratification and the spend, spend, spend culture that I have grown up with really has hit a peak. 

Whilst yes, its up to people to be as financially savvy as possible, credit companies should be more responsible in their lending. 

People shouldn't be afraid to say no to their children, just like companies shouldn't be afraid to say no to potential customers.

Totally concur with this. Well put.

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The wonga of the high street. Unfeasably ridiculous interest rates and no doubt a burden to all who have shopped in her. Of course it's unfortunate for the staff but then surely their personal ethics should have told them long ago to find another job, with a more morally acceptable company. 

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20 minutes ago, Mister M said:

I don't like labelling people thick or stupid. 

There is a massive problem with personal debt in this country  - I think it was recently announced that each household owes about £15 & half thousand (not including mortgages).

This issue goes back years, to the 1980s when the shackles & regualtions were removed,.  Immediate gratification and the spend, spend, spend culture that I have grown up with really has hit a peak. 

Whilst yes, its up to people to be as financially savvy as possible, credit companies should be more responsible in their lending. 

People shouldn't be afraid to say no to their children, just like companies shouldn't be afraid to say no to potential customers.

Indeed fella, never got into debt, bar the odd £100 here and there

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Good, really pleased these parasites are finished. Payday loans next,hopefully.

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On 06/02/2019 at 16:05, Jim Hardie said:

My generation bought second hand when we were starting out. If you couldn't afford, you went without and you saved until you could buy.

Very sensible.

 

Brighthouse is one store I won’t be sad to go. 

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4 hours ago, Mister M said:

I don't like labelling people thick or stupid. 

There is a massive problem with personal debt in this country  - I think it was recently announced that each household owes about £15 & half thousand (not including mortgages).

This issue goes back years, to the 1980s when the shackles & regualtions were removed,.  Immediate gratification and the spend, spend, spend culture that I have grown up with really has hit a peak. 

Whilst yes, its up to people to be as financially savvy as possible, credit companies should be more responsible in their lending. 

People shouldn't be afraid to say no to their children, just like companies shouldn't be afraid to say no to potential customers.

Spot on. It seems people have assets but no cash...the road to ruin if the debts are called in.

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On 06/02/2019 at 18:06, Penistone999 said:

No one is forced to buy from them. Their interest rates are clearly shown before you purchase something  . 

Same here mate . Problem is some people these days want things they cant afford 

Or can afford on a weekly basis at a ridiculously high interest rate that means they pay ridiculous sums for a product.

 

you might be bright enough to see through it - some people aren’t - maybe they need a bit of protection from a company that will willingly and knowingly rinse them.

 

do you agree with people getting ripped off? I wouldn’t have thought so.

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On 07/02/2019 at 23:10, makapaka said:

Or can afford on a weekly basis at a ridiculously high interest rate that means they pay ridiculous sums for a product.

 

you might be bright enough to see through it - some people aren’t - maybe they need a bit of protection from a company that will willingly and knowingly rinse them.

 

do you agree with people getting ripped off? I wouldn’t have thought so.

You don't need to be bright. A modicum of common sense, something that the vast majority of us possess, is all that's required to stay away from this kind of enterprise.

Brighthouse is just another case of unscrupulous people taking money from the foolish/stupid/dumb/vulnerable/thick/desperate (choose your own label).

Another example is fixed odds betting terminals. Close them down all you like but these people will always find a way to part a fool from his money.

 

 

 

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1 hour ago, Jim Hardie said:

You don't need to be bright. A modicum of common sense, something that the vast majority of us possess, is all that's required to stay away from this kind of enterprise.

Brighthouse is just another case of unscrupulous people taking money from the foolish/stupid/dumb/vulnerable/thick/desperate (choose your own label).

Another example is fixed odds betting terminals. Close them down all you like but these people will always find a way to part a fool from his money.

 

 

 

So what’s your point?

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But where do you stop classing it as being ripped off or thick? If i can get credit cards at 0% and someone else gets one at 35% - are they thicker than me or being ripped off more than me? Argos and John Lewis and M&S offer store cards at 35% are the users there being ripped off and being thick?  I don't have any credit at all, but are the people who need credit to buy cars etc  thick or being abused. I reiterate the point - some people think they have no other option and from a credit perspective have no other option, regardless of how safe and condescending some might be about other peoples situations.

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I would say the line is drawn when you're not shopping for an essential like a washing machine, but a luxury like a 4K Samsung 75" TV.

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