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elgard |
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 elgard Scooby Slapper

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The Artist |
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 The Artist Super Spammer

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keggyhander |
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 keggyhander World Chat Champion

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Polarbear |
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 Polarbear Super Spammer

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pepperami |
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 pepperami Super Spammer

Joined: 17 Jan 2010 Karma :    
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 Posted: 19:23 - 08 Jan 2013 Post subject: Re: gambling adverts |
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oldpink |
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 oldpink World Chat Champion

Joined: 02 Aug 2006 Karma :   
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 Posted: 19:38 - 08 Jan 2013 Post subject: |
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I love when they follow the gambling / bingo sites just before or after the Wonga or some other payday ripoff merchant
Lose your money gambling then get a 3000% apr loan to gamble some more  ____________________ I have become comfortably numb
Theory & hazard 24-may 2016, CBT 8th June 2016, MOD 1 2nd Aug 2016 Mod 2 2nd-Nov 2016 - Current bike CBR 600 RR |
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Raffles |
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 Raffles World Chat Champion
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Polarbear |
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 Polarbear Super Spammer

Joined: 24 Feb 2007 Karma :  
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 Posted: 21:58 - 08 Jan 2013 Post subject: |
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Can't really blame her though. She's only making a living.
If these payday loans are as bad as everyone say's they are then the government should step in and limit the interest they can charge. That isn't going to happen though and I suppose if you have wonga & co. then maybe there aren't as many loansharks breaking limbs for non payment.
The trouble is, with the shit hitting the fan at the moment, some people have no where else to turn.
Gambling sites, payday loans, the lottery. FFS half the people in this country are banking on a big win somewhere to keep themselves off the streets. ____________________ Triumph Trophy Launch Edition |
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oldpink |
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 oldpink World Chat Champion

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pinkyfloyd |
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 pinkyfloyd Super Spammer

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 Posted: 08:25 - 09 Jan 2013 Post subject: |
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In a similar vein. This is where the Portsmouth city centre job centre is.
https://img.photobucket.com/albums/v494/be1ly/pompey.jpg
As seen with the green arrow.
Now I am not sure whether this is a cleverly thought out set of plans or sheer idiocy on the councils part to allow the rest of the places shown.
William Hill the betting agents practically next door
An Amusement arcade next to that.
Opposite that is Bright House, that pay weekly store.
And just around the corner is a Post Office to cash the giro. ____________________ illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said. |
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GF-91 |
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 GF-91 Brolly Dolly
Joined: 14 Apr 2011 Karma :     
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pinkyfloyd |
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 pinkyfloyd Super Spammer

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smegballs |
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 smegballs World Chat Champion
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pa_broon74 |
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 pa_broon74 World Chat Champion

Joined: 28 Mar 2006 Karma :     
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 Posted: 11:36 - 09 Jan 2013 Post subject: |
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Adverts on TV are basically a broadcast representation of the high street. Most small town high streets are dead except for Brighthouse, cash generator, the ubiquitous payday loan shops, ladbrokes etc, B&M/Poundstretcher/Poundland/factory outlet and the full range of charity shops.
Even in my own life time I remember local high streets having none of those shops.
Its just depressing and a damning indictment of what the UK has descended to.
Gambling for most I think is a hobby, I used to spunk a ton of money on cigarettes so I'm not going to judge, I just can't understand why you'd feel the need to do it in so many and ever more convenient ways, if you can't even go a bus journey without having a bet, I think you may have a wee problem.
There, I'm a hypocrit, I just judged.
 ____________________ Didn't catch anything. |
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chris-red |
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 chris-red Have you considered a TDM?

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angryjonny |
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 angryjonny World Chat Champion

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The Artist |
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 The Artist Super Spammer

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fatpies |
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 fatpies World Chat Champion

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fatpies |
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 fatpies World Chat Champion

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pa_broon74 |
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 pa_broon74 World Chat Champion

Joined: 28 Mar 2006 Karma :     
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 Posted: 13:01 - 09 Jan 2013 Post subject: |
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fatpies wrote: | Because it isn't social Darwininsm? If we did it would be no problem. But we don't.
What we have is people making loans who can't either by intent or otherwise can't won't pay them back.
So you get somebody who runs up £50K of debt...
What do you think they are going to do? Pay it off or welch the debt by going bankrupt?
If they go bankrupt the rest of society i.e. me and you have to pick up the tab.
We're seeing this in the housing market today. People using loose easy credit bidded up the prices massively. This caused the cost of living to go to the moon so companies moved outside the UK.
To bail out these irresponsible people. They put interest rates to 0.5% and are printing money. Killing pensions, killing bank deposit returns and killing the economy.
Thats not social darwinism. That is a lack of moral hazard.
If it were social darwinism. Bankruptcy would be illegal. |
If you think the kind of personal debt we're talking about here (wonga.com etc) is responsible for the wider economy tanking, you're way off the mark.
What these companies want is to essentially imprison people in debt contracts, if it really was the case that people could 'just go bankrupt' the lenders would never lend in the first place.
These people are irresponsible, but they're not responsible for the banks having to be 'bailed out' or low interest rates.
Even the housing market point you make is off target. We're told again and again to buy buy buy our homes, its the way forward, ever since the 80's. If you don't buy your own home you're a mug.
All it was, was a ponzi scheme initiated by the banks via government. I don't want to sound like a tinfoil hat-wearing loon but, the government want people indebted, it keeps us all scared and in our place, the banks just facilitated that with mortgages beyond what people could really afford. Its now coming back to bite them on the arse because it went too far, hence the casino banking and rehypothecation among other 'exotic financial products' they developed to fuck us all in the backside.
All wonga.com and cash chequeing companies do is keep already poor people poor, the gambling crowd take advantage of the hard-of-thinking by hinting to them that all their financial woes can be solved in one fell swoop.
What you've actually done is what the government are currently doing; blaming poor people for the recession, seriously?
 ____________________ Didn't catch anything. |
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fatpies |
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 fatpies World Chat Champion

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angryjonny |
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 angryjonny World Chat Champion

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smegballs |
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 smegballs World Chat Champion
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pa_broon74 |
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 pa_broon74 World Chat Champion

Joined: 28 Mar 2006 Karma :     
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 Posted: 14:08 - 09 Jan 2013 Post subject: |
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Going bankrupt doesn't clear debt, although funnily enough its a bit of a microcosm of the banks to-big-to-fail thing where if you have enough debt then it will mostly be written off.
Its not true to say however if you go bankrupt unsecured debt is cancelled, its not, the lender just goes on the list of creditors to be paid from assets not already used as security.
Someone with say, £30k's worth of unsecured debt, with a decent credit score and the where-with-all to service the debt wouldn't be allowed to go bankrupt, its not something you can just do when you feel like it. There are products out there to restructure debt, but that is just a Financial Advisor negotiating on your behalf with some legal protection in place.
I don't think the government did push all debt, just mortgage debt. I can't remember the name of the policy, I'm sure its a conservative thing... Its about tying people to property and loading on contractual responsibility. Government benefits because it ties you down and keeps you servile (the more you have, the more you have to lose. Like giving prisoners TV's so if they kick off they can be taken away.)
The banks on the otherhand profit handsomely out of it.
You're totally right about borrowing masking true income and the value of money, its a vicious circle and they've fucked it up in a most universal way.
 ____________________ Didn't catch anything. |
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smegballs |
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 smegballs World Chat Champion
Joined: 28 Oct 2007 Karma :  
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 Posted: 14:29 - 09 Jan 2013 Post subject: |
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The whole "down with capitalism, no bank bailouts" thing makes me laugh.
As if govt selectively subsidising failing businesses isn't the total anti-thesis of free-market thinking.  |
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Old Thread Alert!
The last post was made 12 years, 123 days ago. Instead of replying here, would creating a new thread be more useful? |
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