True, but unlike the high street lenders Provident factor the cost of defaults into their pricing stratagy - they don't depend on the tax payer bailing them out.

The fact is that with a loan this small it's hard to say who will pay back and who will not – how do you work out who can afford the £10 a month and who cannot? When the amount is so low that the difference can be weather you shop at ASDA or Tesco then it’s hard to work out who will pay back and who won’t.

I’m also sad to say that (and again this is ten year old data and today with the credit trouble we have now it might not be as bad) I dealt with a lot of people who could afford the repayments but had the opinion of “I’ve messed up my credit file anyway, I might as well take the £500 and kill my credit report off”, how would you pick up those people on an application form/interview when it is unlikely that they will not say so outright? Your tests show that they could afford it so what other criteria do you use?

I should point out I worked at the head office - wasn't a door to door saleman.

Doesn't blast him? More like ignores the point completely. If you look back, any time the VERY dodgy way a certain Huddersfield chairman got his money is brought up, Durham Giant ignores that person completely. He just goes off at someone else in the hope that it won't get brought up again because it basically puts him and his holier than thou stance under a very uncomfortable microscope.

Oh and Chris Joynt didn't slip, he dived to the ground to avoid the magic bullet that killed JFK. Because it had time travel abilities. Cos it's magic....

Baa Baa your like sheep. Following the dodgy money.

As there is no real discussion ongoing and has not been for a while we will revisit teams sponsorship the next time someone announces a new sponsorship deal.

I can't believe you locked the thread just because you lost the argument...