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Quote: Durham Giant "or maybe i just work with a lot of poor and vulnerable people with big financial problems which are exploited by dodgy loans companies
Which is ultimately still their own choice. icon_smile.gif

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Quote: Wheels "Which is ultimately still their own choice.

see the link in my last post. I would argue that the woman involved was incapable of making an informed choice.

Maybe it would be alright to say to the old woman who lives next door her roof needs fixing and i can do it for £2000. Does not really matter if i can do it for £250 as it is still ultimately her choice.

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Quote: Durham Giant "see the link in my last post. I would argue that the woman involved was incapable of making an informed choice.

Maybe it would be alright to say to the old woman who lives next door her roof needs fixing and i can do it for £2000. Does not really matter if i can do it for £250 as it is still ultimately her choice.'"


Ultimately, yes.

It still has nothing to do with Bradford though.

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[quote:18jc6kzm]I wish everyone would read bramleyrhino's post two or three times just to get it through some thick skulls[/quote:18jc6kzm] [quote:18jc6kzm]Mr bramleyrhino speaks a lot of sense.[/quote:18jc6kzm] [quote="Jamie Jones-Buchanan":18jc6kzm]"I'd never forgive myself if a child of mine was born in Lancashire.[/quote:18jc6kzm]:1506.jpg



Quote: Durham Giant "Football fans in more socially aware than rugby league fans shocker.'"


Were the same Newcastle fans outraged at their previous sponsor tying thousands of people into years (even decades) of negative equity with 110% mortgages that, ultimately, saw them go bust and require a huge taxpayer subsidy?

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Quote: Durham Giant "Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.

this woman maybe needed someone other than Provident sales reps to think for her.


As I said, believe in people in freedom, or be against them and believe you should have the right to think for them.

One out of 1.8m. If that's all, they're one of the fairest organisations, whether private or state, ever in the world.

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Quote: bramleyrhino "Were the same Newcastle fans outraged at their previous sponsor tying thousands of people into years (even decades) of negative equity with 110% mortgages that, ultimately, saw them go bust and require a huge taxpayer subsidy?'"



I would guess that many of them did not really have grasp of the American mortgage industry when it was signed but they do know a dodgy British finance company when they see one.

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kcab sfrawdder Luck is a combination of preparation and opportunity Just to avoid confusion Starbug is the username of Steven Pike SOMEBODY SAID that it couldn’t be done But he with a chuckle replied That “maybe it couldn’t,” but he would be one Who wouldn’t say so till he’d tried. So he buckled right in with the trace of a grin On his face. If he worried he hid it. He started to sing as he tackled the thing That couldn’t be done, and he did it!:9005.jpg



Quote: Richie "As I said, believe in people in freedom, or be against them and believe you should have the right to think for them.

One out of 1.8m. If that's all, they're one of the fairest organisations, whether private or state, ever in the world.'"


Your top post is quite correct, the second one quite pathetic, The Bulls sponsor isnt perfect, not many successful companies are, unfortunatly ' Beggars cant be choosers ' and as a sport we are the former, hopefully the media attention they are recieving will result in a more honorable business attitude from them

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Leeds fans should be protesting about their sponsorship by the Leeds Building Societyrefuse to help the needy and vulnerable, leaving them without financial products, unable to get a loan, whether until their next pay day, or to buy their kids christmas presents.

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Quote: Starbug "Your top post is quite correct, the second one quite pathetic, The Bulls sponsor isnt perfect, not many successful companies are, unfortunatly ' Beggars cant be choosers ' and as a sport we are the former, hopefully the media attention they are recieving will result in a more honorable business attitude from them'"


1 example out of 1.8m Starbug.

Do you consider them a worse company than the likes of Barclays, for lending to the people that Barclays won't?

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kcab sfrawdder Luck is a combination of preparation and opportunity Just to avoid confusion Starbug is the username of Steven Pike SOMEBODY SAID that it couldn’t be done But he with a chuckle replied That “maybe it couldn’t,” but he would be one Who wouldn’t say so till he’d tried. So he buckled right in with the trace of a grin On his face. If he worried he hid it. He started to sing as he tackled the thing That couldn’t be done, and he did it!:9005.jpg



Quote: Richie "Leeds fans should be protesting about their sponsorship by the Leeds Building Societyrefuse to help the needy and vulnerable, leaving them without financial products, unable to get a loan, whether until their next pay day, or to buy their kids christmas presents.'"


The LBS are not alone in that, essentially all the mainstream lenders follow the same ' rules of engagement ' they are all to blame for the financial crisis we are currently embroiled in, and ultimatly just as borrowers were stupid to think that taking on anything more than a 90% mortgage was a good idea, the blame for the Bulls financial collapse was the fans , ditto any club in money troubles is down to the fan bases unrealistic expectations

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kcab sfrawdder Luck is a combination of preparation and opportunity Just to avoid confusion Starbug is the username of Steven Pike SOMEBODY SAID that it couldn’t be done But he with a chuckle replied That “maybe it couldn’t,” but he would be one Who wouldn’t say so till he’d tried. So he buckled right in with the trace of a grin On his face. If he worried he hid it. He started to sing as he tackled the thing That couldn’t be done, and he did it!:9005.jpg



Quote: Richie "1 example out of 1.8m Starbug.

Do you consider them a worse company than the likes of Barclays, for lending to the people that Barclays won't?'"


They are equally culpable, 4 years ago I requested my lender to reduce my mortage borrowing by 100 K, from 33% of 400K to 10% of 300K , they refused , I then rquested to change my borrowing to interest only, again they refused, that lender was Barclays, their refusal on both counts was completely ilogical , and could if I hadnt found another lender resulted in defaulting my mortgage and losing my home , I have little respect for any Bank

As I said, few if any successful businesses are squeaky clean, life rarely works that way, and again the attention they have recieved from the media will hopefully improve how they operate in the future, and just for the record, I've been involved in the double glazing industry for 25 years , so am very familiar with dishonest salesman/companies and stupid customers, anybody thick enough to believe that if you buy one, you get one free should not be let out of their homes unacompanied , unfortunatley there are millions who want to believe bollox like that , just as there are millions of very vunerable desperate people who ignore the consequences of borrowing what the can not afford

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Quote: Durham Giant "Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.

this woman maybe needed someone other than Provident sales reps to think for her.


Have you actually watched the show?

I have. It's partisan in the extreme. It has an agenda which is "Payday lenders are bad and Provident are the worst of the bunch and target vulnerable people" and edits it's footage to support it's stance. There's a bit at the start where Peter Crook (possibly the worst name for someone taking up a career in finance icon_lol.gif ) who's the CEO of Provident appears on one of Provident's own promo videos. But the only footage used is him saying "We visit 1 in 20 homes in the UK every week" while an ominous bass beat plays in the background.

There's also some discontinuity with certain "facts" they put forward, especially round the high street payday loan companies. For one, they can't seem to agree on how long loan applications take. At one point it's 20 minutes then upon visiting the next one it's "and again we were in there for about an hour".

They then have their undercover reporter visiting customers with agents. One old lady, who the film desperately wants us to believe is incapable of looking after herself, has her personal hygiene commented on by the undercover reporter. I'm sorry, but I didn't realise that a lack of personal hygiene means you're incapable of dealing with financial commitments. In fact the old lady seems more on the ball about her loans than the agent was as she corrects the agent on both the total of the money she's given her and how much is being used against which loan.

All in all, it made Provident look less and less like some evil bogeyman, forcing people to take out more and more loans that some would have you believe. Very Michael Moore.

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Last edited by Ferocious Aardvark on stardate Jun 26, 3013 11:27 am, edited 48,562,867,458,300,023 times in total:d7dc4b20b2c2dd7b76ac6eac29d5604e_973.gif



Quote: William Eve "You might need to order more straw for future construction purposes after that effort.'"

So, we've established that you have no clue at all what a straw man is, OK, moving on . ..

Quote: William Eve "Given the price of season tickets the Bulls had been flogging over the past few seasons, it's clear the previous administration had all those E demographics in mind as C1/C2 and D were abandoning the club in droves due to the lack of on-field success. '"


Please, you're cracking me up. Oh Lord. I see. Your "argument" is that the successful Bulls were followed by C1/C2 and D punters. These, presumably, only like success. Then when these all "abandoned the club in droves", the club cunningly managed to replace 10.000 C1/C2 and D fans with 10,000 E fans. Who never came before, and are presumably too stupid, in your view, to care about the fare on the field, so long as it is cheap!

Did I miss anything?

Well, that is as funny a crackpot proposition as I can remember, so well done for that at least!

Quote: William Eve "My only surprise is they didn't prey on the vulnerable by offering those £60 season tickets via a credit loan scheme and an APR of 499% payable over 36 months. At least that way, it'd only cost the E's a tenner a month as they pay around £360 for a £60 season ticket loan. Provident Financial will sure as hell show them how it should be done instead.'"

Are you really this stupid, or is it all just for effect?

A £60 loan @ 499% APR over 36 months would be £24.95 a month, not a tenner, and would costs £898.20, not £360.

Quote: William Eve "Good luck with in getting more sponsors onboard. Cash Converters, Money Shop and Poundland might be interested now...'"

And if they did, your problem with these businesses is what, exactly? Poundland, for example, is a profitable business with UK sales of around £650m which one survey said 99% of its customers would recommend. As I said, you're just a snob.

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Quote: Durham Giant "Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.

this woman maybe needed someone other than Provident sales reps to think for her.


And there we have it.

Like who? The "state"?

That, ultimately, would seem to be the fiundamental difference between the likes of you and the likes of me. You would seem to want "the state" to make a lot more of the decisions for people. I would not.

But, as I have said before, there is no such thing as these amorphous concepts siuch as "the state" or "capitalism" (or "socialism " or Communism" for that matter) if by which we mean something that can drive people's behaviour (Mao made the same mistake), or indeed "society", as the woman so despised by the left once said and was (deliberately) misrepresented and misconstrued by the metropolitan elite left (I wonder why?). These are all impersonal concepts. It is PEOPLE who represent all these things, and PEOPLE who do both good things and bad things in their names. And you would clearly seem to want one - invariably elite - group of people making the decisions for others. Same as we saw under the badly-failed "communist" system where, when you looked through the window, between the pigs and the men you could no longer tell the difference.

If not, just who DID you want to make the decisions for her? And what OTHER decsions would you have them make? And by what right would they make those decisions? And how would you justify the removal of an individual's right to free will? Where would it stop? Where would you draw the line? Maybe rather than be obliged to watch the party congress propaganda, as even the BBC reports is currently the case in China, people would be obliged to go watch their local RL team? Which some might think another splendid idea since it solved what they perceived as a major issue in "society" - until maybe you discovered that you were a Shudds fan living in the area assigned to Bradford and still had to attend...

Maybe we should put high fences down every road, so no-one could take a wrong decision and walk into the road without seeing there is a bus coming? That would solve a problem that kills or maims thousands every year, for sure. But tell me: why do we not hear a clamour for THAT example of protecting people from themsleves? Where is the TV special about THAT? Is it because maybe we expect people to have at least SOME responsibility for their actions? If so, could you perhaps list out those actions an individual IS held responsible for, and those that he or she is deemed unable to be trusted with responsibility for? And indicate whether that applies to everyone, or everyone except the self-appointed metropolitan elite who clearly CAN be trusted with responsibility for their actions? Or what other criteria you would use to decide who could and who could not be trusted to e.g. boil a kettle without risk of scalding, or buy a lottery ticket (why are you not screaming at the Lotto ads or the scratchcard sellers??) without due care and attention? Orwell would have the answer to that, I think?

Or would you regulate the life out of the "economy" (another of those amorphous concepts - better again to say "people"icon_wink.gif in a vain hope that the "state" can control everything indirectly? And again, what elite would make the regulations, and police them and enforce them? Orwell would have the answer to that too.

And anyway how, precisely, would you protect her from the unregulated loan sharks who would fill the void, and who most certainly would NOT be ones you would want making ANY kind of decsions? You can regulate or repress all you like, but you cannot fully repress human nature. And some of those humans (term applied loosely) are not nice people at all.

And with BBC news and current affairs currently in crisis, and standing accused both of seeking to wrongly label someone a paedo (and costing the DG his job in the process) whilst having for years seemingly covered up the fact that one of their own fraternity WAS a serial paedo, I hardly think they are in ANY position to take the moral high ground right now - even if their report WAS in any way balanced and impartial.

In all such matters, I think people feeling very strongly sometimes need to be careful what they wish for.

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Quote: William Eve "Given the price of season tickets the Bulls had been flogging over the past few seasons, it's clear the previous administration had all those E demographics in mind as C1/C2 and D were abandoning the club in droves due to the lack of on-field success.'"


What a dumb, dumb statement. You cannot be for real. You MUST be a wind-up?

But if perchance you ARE being serious that is anyway strange, since I bought two season tickets when otherwise I would have bought one. And by most measures I would be in the A/B demographic (although the A-E demographic classification is IMO simplistic and often-insulting anyway).

And equally strange, I know quite a few other people in the A/B/C demographics who did similar. But heigh-ho.

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Wakefield 27 1032 275 757 52
Toulouse 26 765 388 377 37
Bradford 28 723 420 303 36
York 29 695 501 194 32
Widnes 27 561 502 59 29
Featherstone 27 634 525 109 28
 
Sheffield 26 626 526 100 28
Doncaster 26 498 619 -121 25
Halifax 26 509 650 -141 22
Batley 26 422 591 -169 22
Swinton 28 484 676 -192 20
Barrow 25 442 720 -278 19
Whitehaven 25 437 826 -389 18
Dewsbury 27 348 879 -531 4
Hunslet 1 6 10 -4 0
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