people who take out payday loans are fucking morons

( TGB checking Off Topic is still shit at, Wed 7 Dec 2011, 13:10, 2 replies, latest was 14 years ago)

I can see why they exist but you must be fucking desperate* to get one
* Monty
( sporters I’m sincerely gratitude to you, Wed 7 Dec 2011, 13:11, Reply)

Watching the news and people are taking them out, not being able to pay them off so taking out another one etc etc
One woman has taken out EIGHT in the last two months. Typical APR 1751%
( TGB checking Off Topic is still shit at, Wed 7 Dec 2011, 13:13, Reply)

Oooocha!

( sporters I’m sincerely gratitude to you, Wed 7 Dec 2011, 13:14, Reply)

Fucking hell, even I think that's stupid

( Agnostic Antichrist Baltimora, Wed 7 Dec 2011, 13:15, Reply)

That's stupid, for sure.
But any loan at that sort of rate is fucking evil and should be illegal. Some people need protecting from themselves.
( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:16, Reply)

I'm of the opinion places like Brighthouse should be banned

( Agnostic Antichrist Baltimora, Wed 7 Dec 2011, 13:17, Reply)

I'm not familiar with what Brighthouse does.
Although I've seen one has opened up in Basildon.
( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:18, Reply)

It is the equivalent of a catalogue I think
You pay £x weekly
( sporters I’m sincerely gratitude to you, Wed 7 Dec 2011, 13:19, Reply)

They allow you to pay monthly for TVs, laptops, stuff like that
But the rates are fucking criminal, and they're mostly selling to those who don't know to look for things like that.
( Agnostic Antichrist Baltimora, Wed 7 Dec 2011, 13:19, Reply)

Yeah, just googled them.
It's criminal.

Well, it's not, which is the point really, but you know what I mean.
( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:22, Reply)

I'd suggest they are more selling to those that can't afford to get things any other way.
but, of course, they are splendidly symptomatic of the "must have thing now" state of society. yep.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 7 Dec 2011, 13:33, Reply)

I can't work out if the two women in the advert are supposed to be lesbians
or just flatmates and one of them is a filthy slag single mum.
(Bazongaloid, Wed 7 Dec 2011, 13:42, Reply)

meh. whichever scenario makes the wank better.

( the mighty badger Aphrodite, on a bar stool, by your side, Wed 7 Dec 2011, 13:43, Reply)

Usurious innit.

(Set your faces to Stunned Bigly, Wed 7 Dec 2011, 13:19, Reply)

I sort of half agree with you
but it's the only way a company lending small amounts for such short periods can exist. It's only immoral in the sense that people with that little money probably shouldn't be borrowing more, but, what you gonna do? It's better terms than defaulting to "Big Trev" after all, surely?
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 7 Dec 2011, 13:32, Reply)

Do they give her net figures, like she borrowed £500 and now owes £4,700?

(Set your faces to Stunned Bigly, Wed 7 Dec 2011, 13:17, Reply)

+1st born+kidney

( sporters I’m sincerely gratitude to you, Wed 7 Dec 2011, 13:18, Reply)

Have you seen the Jude Law film Repo Men?

(Set your faces to Stunned Bigly, Wed 7 Dec 2011, 13:19, Reply)

Nope
They take back organs from people though, dont they?
( sporters I’m sincerely gratitude to you, Wed 7 Dec 2011, 13:20, Reply)

Yeah, it's fun.

(Set your faces to Stunned Bigly, Wed 7 Dec 2011, 13:25, Reply)

I enjoyed how ridiculous the film was

( TGB checking Off Topic is still shit at, Wed 7 Dec 2011, 13:22, Reply)

Me too.
Taking back a heart and asking the punter if they want them to call an ambulance.
(Set your faces to Stunned Bigly, Wed 7 Dec 2011, 13:28, Reply)

No
and surprisingly she didn't want to be identified
( TGB checking Off Topic is still shit at, Wed 7 Dec 2011, 13:21, Reply)

Probably scared of the man with the white van and the threatening demeanour.
And that's just her husband...MWA HA HA HA.
( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:22, Reply)

They have their place, I used them once.
But they shouldn't be sold as quick and easy they should be sold as a very expensive stop gap, if you need cash quickly AND can afford to pay it all when you get paid.
(PsychoChomp, Wed 7 Dec 2011, 13:26, Reply)

I reckon they only have their place because people are such fiscal spastics in the first place.
If people had mandatory education on how borrowing and things work from a young age and weren't allowed to say "I just don't get it, I've not got a maths brain" then we'd be in a position to say that these kind of short term loans were unnecessary.

That and we shoot all the poor people.
(Bazongaloid, Wed 7 Dec 2011, 13:29, Reply)

I used mine from when I went from being unemployed for 4 months to being employed.
So I got the job mid month, I wouldn't be paid until the end of the next month and my dole money stopped. I didn't want to borrow the money off my parents and I didn't have a credit card but I needed £200 to get me too and from work, get food and stuff for those 6 weeks.
Cost me £250 to pay back, but I was making shit loads more than I was on the dole so I didn't care.
(PsychoChomp, Wed 7 Dec 2011, 13:32, Reply)

You've just identified a problem with the benefit system.

(Bazongaloid, Wed 7 Dec 2011, 13:33, Reply)

Yep, it's a big problem.
I'm suprised if anyone would be able to save a thing on the dole let alone 6 weeks worth of it.
They said I could apply for a £1000 hardship loan to pay off over 12 months but because I didn't need that much I was unlikely to get approved, and I couldn't apply for anything smaller.
(PsychoChomp, Wed 7 Dec 2011, 13:37, Reply)

you dumb fuck, there are interest-free loans you can get from the job cetre when you go abck to work

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:41, Reply)

I ALREADY TOLD YOU TO GO FUCK YOURSELF "QUENTIN" IF THAT IS YOUR REAL NAME!!!!!!

(Bazongaloid, Wed 7 Dec 2011, 13:48, Reply)

OF COURSE IT ISN'T AND I'M NOT 15 OR 40 AND I DON'T HAVE A HELICOPTER AND I'VE NEVER HAD A FLYING LESSON AND I WORK IN BURGER KING

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:51, Reply)

I don't really work in burger king

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:52, Reply)

Oh.
I was going to ask if you got a discount.
(Bazongaloid, Wed 7 Dec 2011, 13:53, Reply)

I DO REALLY AND I AM 15 LOL
NO DISCOUNT FOR YOU THO, SWIPE TOUCHER
(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:54, Reply)

The job center told me I would be unlikely to be sucessful in applying as I said above.
I'm not a drug addict single mother with no qualifications so they tend to ignore you.
(PsychoChomp, Wed 7 Dec 2011, 13:49, Reply)

you stupid, stupid cunt

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:51, Reply)

There's a return to work payment available to anyone too.
Or at least there was 2 years ago after I'd been signing on for 6 months. It was about £300 and you don't need to pay it back.
( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:52, Reply)

the blokes a complete idiot

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:53, Reply)

Well, you're the expert.

( scarpe We Stole Bikes, Wed 7 Dec 2011, 13:54, Reply)

I have 4 doctorates and an MBE

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 13:55, Reply)

Yeah, but the qualifying period is 6 months, I think.
So Chompy would have been onto nowt anyway.
( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 13:55, Reply)

proabbly shouldn'#t have got fired from Uniqlo then

(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 14:04, Reply)

Ah, makes sense.

( scarpe We Stole Bikes, Wed 7 Dec 2011, 14:05, Reply)

Quentin's reply, however, doesn't.

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 14:06, Reply)

davross granddad baldmonkey said something mean about you a while agoa and i lolled bit then i realised it was true and i unlolled it and don't like him anymore
i hope that measn we can be friends
(Quintno EXPERIMENT RUINED CANCELLED, LEFT 4EVER, Wed 7 Dec 2011, 14:08, Reply)

I've said lots of mean things about baldmonkey in the past.
Tit for tat, innit?
( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 14:17, Reply)

Hurr hurr
You said tit.
(Bazongaloid, Wed 7 Dec 2011, 14:19, Reply)

OMG so I did!!!

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 14:19, Reply)

If your wife was here she'd be doing a little wee with laughter.

(Bazongaloid, Wed 7 Dec 2011, 14:20, Reply)

Probably, yeah.

( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 14:21, Reply)

Which of us is the tit and which the tat.
I need to know.
(The Personality Horse www.tinyurl.com/perhor, Wed 7 Dec 2011, 20:02, Reply)

Not that I ego search a lot or anything.

(The Personality Horse www.tinyurl.com/perhor, Wed 7 Dec 2011, 20:04, Reply)

"a" problem?

( the mighty badger Aphrodite, on a bar stool, by your side, Wed 7 Dec 2011, 13:39, Reply)

Yeah, other than that it's perfect.
It's the pikeys abusing the system that cause all the trouble.
(Bazongaloid, Wed 7 Dec 2011, 13:41, Reply)

Trublufax, mate.

( the mighty badger Aphrodite, on a bar stool, by your side, Wed 7 Dec 2011, 13:42, Reply)

That and pointless red tape
like the stuff that stops you firing people and makes you have to pay them to do your work.
(Bazongaloid, Wed 7 Dec 2011, 13:44, Reply)

Fucking useless bastards still haven't sorted my claim out.
It's been over seven weeks now. I shall be having words when I go down there later.
( Davros' Granddad a voice of calm reason in a world of spastics., Wed 7 Dec 2011, 13:51, Reply)