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Brighthouse has gone bust.

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Ribenapigeon
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PostPosted: 23:54 - 27 Mar 2020    Post subject: Brighthouse has gone bust. Reply with quote
https://www.bbc.co.uk/news/business-52066303

Brighthouse has gone bust. None too soon in my opinion. A support worker i had a lot of experience of just how they preyed on vulnerable people.
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Easy-X
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PostPosted: 00:37 - 28 Mar 2020    Post subject: Reply with quote
Can't say I'll shed a tear, no better than gambling firms: a parasite on society.

I don't know what the obsession is with having nice things if you can't afford them.
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Ribenapigeon
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PostPosted: 00:46 - 28 Mar 2020    Post subject: Reply with quote
Easy-X wrote:
Can't say I'll shed a tear, no better than gambling firms: a parasite on society.

I don't know what the obsession is with having nice things if you can't afford them.


People don't like to think they're poor. The stigma is so powerful and having a stupid big telly in the corner of the room serves that function. Brighthouse staff would deliberately target vulnerable people to sign up to years of paying out. Was a common thing with clients I worked with.
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Im-a-Ridah
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PostPosted: 01:04 - 28 Mar 2020    Post subject: Reply with quote
I bet the top management walked off with a fortune though.
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Ribenapigeon
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PostPosted: 01:36 - 28 Mar 2020    Post subject: Reply with quote
Im-a-Ridah wrote:
I bet the top management walked off with a fortune though.


Let's hope COVID-19 does its job then.
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Im-a-Ridah
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PostPosted: 01:54 - 28 Mar 2020    Post subject: Reply with quote
Ribenapigeon wrote:
Im-a-Ridah wrote:
I bet the top management walked off with a fortune though.


Let's hope COVID-19 does its job then.


They will be on a private island. Private jets though, sometimes they crash Wink
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Nobby the Bastard
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PostPosted: 10:06 - 28 Mar 2020    Post subject: Reply with quote
Good riddance.

They really are scummy, preying on the poorest.
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Easy-X
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PostPosted: 11:10 - 28 Mar 2020    Post subject: Reply with quote
I got my chest freezers through FreeCycle and quite a few other things cheap through house clearances. If you were the sort of person that would sneer at that then you'd not be the sort of person I'd associate with.

Who are they trying to impress? Other poor scum?! Some sort of mental health issue I suppose.
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Ribenapigeon
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PostPosted: 12:12 - 28 Mar 2020    Post subject: Re: Brighthouse has gone bust. Reply with quote
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Ribenapigeon wrote:
https://www.bbc.co.uk/news/business-52066303

Brighthouse has gone bust. None too soon in my opinion. A support worker i had a lot of experience of just how they preyed on vulnerable people.


Vulnerable or stupid? The interest rate was clearly available at the point of sale, as it the total amount repayable. If people are too greedy to want everything new, everything now and fuck paying for it up front, that's not "vulnerable", that's "ignorant".

How many of these people could have spent peanuts furnishing their flats with charity shop furniture and white goods, but decided they wanted brand new items at 3 times the market value, just to get new?


I knew this kind of comment would pop up as there's already been the brighthouse/consumer debt discussion on the forum before. So im not going to bother going over it again. Im sure a topic search will find one of the old threads if you want to know my position in more detail.

I will say this though. When you're older or if you find yourself in a position where you are vulnerable to abuse from others or just simply less able to navigate the world without assistance, that you get all the support you need.
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WreckTangle
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PostPosted: 13:18 - 28 Mar 2020    Post subject: Re: Brighthouse has gone bust. Reply with quote
Ribenapigeon wrote:
Brighthouse has gone bust



HAHA Mr. Green
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Lord Percy
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PostPosted: 13:32 - 28 Mar 2020    Post subject: Reply with quote
Ribenapigeon wrote:


People don't like to think they're poor. The stigma is so powerful and having a stupid big telly in the corner of the room serves that function.


I'm not sure about this. Brits in particular seem to love playing down their wealth and/or make claims about how their life has had more hardship than others.

I think the real problem is the power of advertising and social/psychological manipulation. "Own a great big telly for just £499.95 over 12 months and your life will be just like the people in this picture!" People just like to have more 'things'. Recent supermarket hoarding of absurd items is testament to that.

I agree with mpd. They aren't vulnerable, they're mainly stupid. But the two sort of go hand in hand, and no society is better when those with the least are preyed upon by those who don't care.
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Jmoan
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PostPosted: 15:27 - 28 Mar 2020    Post subject: Reply with quote
Lord Percy wrote:

I agree with mpd. They aren't vulnerable, they're mainly stupid. But the two sort of go hand in hand, and no society is better when those with the least are preyed upon by those who don't care.


There's also a lot of support workers that would be out of a job if there weren't plenty of stupid and "vulnerable".
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MCN
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PostPosted: 19:31 - 28 Mar 2020    Post subject: Reply with quote
Lord Percy wrote:
Ribenapigeon wrote:


People don't like to think they're poor. The stigma is so powerful and having a stupid big telly in the corner of the room serves that function.


I'm not sure about this. Brits in particular seem to love playing down their wealth and/or make claims about how their life has had more hardship than others.

I think the real problem is the power of advertising and social/psychological manipulation. "Own a great big telly for just £499.95 over 12 months and your life will be just like the people in this picture!" People just like to have more 'things'. Recent supermarket hoarding of absurd items is testament to that.

I agree with mpd. They aren't vulnerable, they're mainly stupid. But the two sort of go hand in hand, and no society is better when those with the least are preyed upon by those who don't care.


Argument is not a fight but a differing of opinion.

Stupid may be a sign of a 'mental' vulnerability.
Business relies on mostly everyone's stupidity to a degree.

Some businesses more than others.

Exploitation of other people's wealth.

We are supposed to look out for others.

It may be important for our DNA.
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Polarbear
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PostPosted: 20:30 - 28 Mar 2020    Post subject: Reply with quote
I've never heard of them but I'm somewhat ambivalent about these and Wonga type companies.

I have the feel Fat Fred and his leg breaking friends might fill a gap left by these companies that, while not exactly ethical, had at least some semblance of control by the authorities.

The one that really bugs the hell out of me is cash converters. They give someone desperate pennies and then flog their item for stupid money. I'm surprised they get to sell anything.
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Easy-X
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PostPosted: 21:17 - 28 Mar 2020    Post subject: Reply with quote
Polarbear wrote:
I've never heard of them but I'm somewhat ambivalent about these and Wonga type companies.

I have the feel Fat Fred and his leg breaking friends might fill a gap left by these companies that, while not exactly ethical, had at least some semblance of control by the authorities.

The one that really bugs the hell out of me is cash converters. They give someone desperate pennies and then flog their item for stupid money. I'm surprised they get to sell anything.


There's a Cash Converters near my office in Tolworth. I often have a browse and a chuckle at the obviously stolen angle grinders and SDS drills. Occasionally there's something nice in there. The thing to remember is the prices can be close to retail but that doesn't mean you have to pay that! Unlike stepping into Currys the CC ppl are well up for a haggle and I've never paid the ticket price on anything I've bought.

Regarding exploiting stupid people, that's a tricky one. I have some older friends who are just not up to the task of buying and selling on eBay, Amazon, etc. Should I not get paid something for my trouble because "I know a something" as my granddaughter would say Smile On the flip-side it's the same as me glazing over if the wife asked me to build a wall "errr.... I'll get Ian in!"

Honest profit, to me, is about having an abundance of a resource, be it knowledge, skills or even just storage space, and then offering value and convenience to others. Dishonest profit is identifying a demographic and no holds bar trying to bleed them for everything they're worth. Gambling firms would be one... Oracle would be another.
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linuxyeti
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PostPosted: 21:40 - 28 Mar 2020    Post subject: Reply with quote
As a company, no great loss, feel sorry for the staff, not so much the owners/directors etc, but the ordinary staff, who were prbably on or around minimum wage..
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Easy-X
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PostPosted: 01:52 - 29 Mar 2020    Post subject: Reply with quote
linuxyeti wrote:
As a company, no great loss, feel sorry for the staff, not so much the owners/directors etc, but the ordinary staff, who were prbably on or around minimum wage..


No, they were complicit. Maybe the scale is not the same but "I was only following orders" is not an excuse.
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Ribenapigeon
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PostPosted: 01:44 - 01 Apr 2020    Post subject: Reply with quote
linuxyeti wrote:
As a company, no great loss, feel sorry for the staff, not so much the owners/directors etc, but the ordinary staff, who were prbably on or around minimum wage..


I can assure the ordinary staff are a bunch of manipulative predatory cunts who have a keen eye for a vulnerable person who can bump up their monthly sales bonus. A cunt is a cunt.
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Ribenapigeon
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PostPosted: 01:52 - 01 Apr 2020    Post subject: Reply with quote
Lord Percy wrote:



I think the real problem is the power of advertising and social/psychological manipulation.


Exactly how do you think the social stigma is perpetuated? especially if the power of such stigma can create profit.

Lord Percy wrote:

I agree with mpd. They aren't vulnerable, they're mainly stupid. But the two sort of go hand in hand, and no society is better when those with the least are preyed upon by those who don't care.


I wonder if the likes of MPDpoopoopedoo realise that from the perspective of the likes of those who profited from the 2008 crash and every other fluctuation in the economy, they are seen as pretty stupid and in the comfort of their private jets the rich regard them with just as much disdain.
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1198
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PostPosted: 06:49 - 01 Apr 2020    Post subject: Reply with quote
Easy-X wrote:
Can't say I'll shed a tear, no better than gambling firms: a parasite on society.


So gambling firms are a parasite on society? I presume you mean / include on street bookmakers?
While I agree that some customers are problem gamblers who spend what they can’t afford, I’d suggest that far more of their customers get a lot of pleasure from there, and only wager what they can afford and are happy to lose.
If you believe that to protect a few from themselves should be done regardless does that mean you’ll be campaigning to close down pubs permanently and ban all alcohol? Doesn’t that do as much social damage by a certain small percentage of drinkers?
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linuxyeti
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PostPosted: 07:23 - 01 Apr 2020    Post subject: Reply with quote
1198 wrote:
Easy-X wrote:
Can't say I'll shed a tear, no better than gambling firms: a parasite on society.


So gambling firms are a parasite on society? I presume you mean / include on street bookmakers?
While I agree that some customers are problem gamblers who spend what they can’t afford, I’d suggest that far more of their customers get a lot of pleasure from there, and only wager what they can afford and are happy to lose.
If you believe that to protect a few from themselves should be done regardless does that mean you’ll be campaigning to close down pubs permanently and ban all alcohol? Doesn’t that do as much social damage by a certain small percentage of drinkers?


Sorry, I'm with Easy on this 1
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