Wonga W*n*rs !!!

[Bruv]

Britain's best-known payday lender, Wonga, has been ordered to pay more than £2.6m compensation after it was found to have sent threatening letters to customers from non-existent law firms.

The Financial Conduct Authority (FCA) said Wonga had been guilty of "unfair and misleading debt collection practices" after it emerged the lender had created fake law firms using the names of employees who in some cases still work for the company. The regulator said the firm would be compensating around 45,000 customers who received the letters, which threatened legal action over outstanding debts.

Nasty spiv like bullyboy tactics, don't these people need a licence to lend money ?

Take the blooming thing away, fining them, and they will just build a percentage into future loans to cover the Fines Fund.

[Saint_]

We've got the same predators over here. They call them "Payday Loans" or "Car Title Loans," although if you take out too big a loan from them, you'll never have either one of those things again. Seems to me that Jesus, himself, had a problem with the moneylenders. I guess some things never change.

[Bruv]

Yes they are called Payday Loans here too.

Further down in the article it says that system errors resulted in some customers over paying, a greater number under paid, under payers wont have to repay, but the over payers will recieve their money back plus interest at 8% despite the fact their loans were charging as much as....................(I still can't believe it)...... 5,853%.....and it's legal.

[Saint_]

At that rate a $20 loan would cost you $1,170.60 in a year, or put another way, $3.20 a day.

A $200.00 ( say to pay a power bill or buy groceries) loan would cost you $11,706.00 in a year. Basically making you an indentured slave for life.

[Peter Lake]

The fake letters shouldn't have gone out and they should face the repercussions of such tactics but the sole reason why these companies exist is down to past irresponsibility of the borrower. They can charge the extortionate rate of interest because the borrower going to them is deemed such high risk. These companies are not preying on the weak and vulnerable as the campaigners allege but the irresponsible who can't get another lending house to touch them with a barge pole. I know someone who borrows £50 from them for a day and has to repay £75. I offered rather stupidly on one occasion to loan them the £50 myself and surprise, surprise, i never saw them again. By today's standards, most people have a bank account and if you act responsibly and pay your way in life, you'll always be able to get some kind of loan or bridging loan. Those that bitterly complain about extortionate interest rates really have only themselves to blame because they have closed all other avenue's by their own fecklessness. The way to eliminate these kind of companies is for banks to be more sympathetic to low earners and those on social security, helping them in times of need.

[Saint_]

Peter Lake;1458409 wrote: past irresponsibility of the borrower. They can charge the extortionate rate of interest because the borrower going to them is deemed such high risk..


HOLD THE PHONE there, buddy! High risk does NOT imply irresponsibility by the borrower. I'm a high risk merely because I have had to declare medical bankruptcy three times. I always pay my bills on time, I own both my cars and my home, and I have NO credit card debt whatsoever.

Just because my wife has been ill for 18 years and her medical bills amounted to over $3,000,000 (and that's AFTER insurance paid out. Plus: I have State insurance, since I'm a teacher, which is some of the best insurance there is) I had to declare bankruptcy. That is no fault of my own.

[Peter Lake]

Saint_;1458410 wrote: HOLD THE PHONE there, buddy! High risk does NOT imply irresponsibility by the borrower. I'm a high risk merely because I have had to declare medical bankruptcy three times. I always pay my bills on time, I own both my cars and my home, and I have NO credit card debt whatsoever.

Just because my wife has been ill for 18 years and her medical bills amounted to over $3,000,000 (and that's AFTER insurance paid out. Plus: I have State insurance, since I'm a teacher, which is some of the best insurance there is) I had to declare bankruptcy. That is no fault of my own. You have my utmost sympathy and when i talk of the reckless, i'm not even considering those from a country where bankruptcy can be brought about by unfortunate illness and medical bills that could simply not happen in England. That sadly is down to a country where you are penalised for falling ill or having a disability. That could not happen here because of free health care for all and a bad credit rating can only come from those who have fallen foul of utility bills or prior loans. Even then, this country is very accommodating in any attempt to clear debt with most services offering an easy affordable repayment schedule for those sliding into debt through genuine hard times and that's what i was referring to regarding banks being more sympathetic to low earners and those on social security,

[Saint_]

Peter Lake;1458413 wrote: Y That sadly is down to a country where you are penalised for falling ill or having a disability.


Bloody well right. It's a heinous scandal.

i was referring to regarding banks being more sympathetic to low earners and those on social security,


Oh, well all is forgiven then.

[gmc]

It's surprising the number of people that don't understand interest rates - not just thickos as you might think, it's car finance that is the biggest con, salesman give you the flat rate that sounds quite good and skip over the apr that includes the cost of all the charges so the 3.9% rate they think they are paying is actually 20-25% added to the loan. I've found myself getting in to a dispuite with the likes of teachers who start by telling me how good a deal their personal car lease is when it's actually (imo) a big rip off - OK if you realise that and see it for what it is and use them accordingly. Don;t worry about the excess mileage? Get that on in writing or record the onvrsation. My brother has on just now that is going to cost him a fortune at the end of the term day . As they say up here the showrooms have big windows (so they can see the mugs coming)



APR is the figure they must by law give you I've actually been ejected from car sales showoom for insisting they give it to me so I can compare. I know it's not the same as 4,000% but my point is many people do not understabd they will be paying back 4,000 times the amount they are borrowing. Caveat emptor and all that but even so people are told only what the companies want them to hear and most people think they will be able to meet the payments, they're not stupid just desperate.

postd by peter lake

That could not happen here because of free health care for all and a bad credit rating can only come from those who have fallen foul of utility bills or prior loans.


Or not enough income. Actually you get a bad credit rating if you habitually pay bills late or even just have one outstanding payment or a disputed bill that the company concerned hasn't taken off your record. Sorting out errors take over you have to be able to prove your case - too bad if it was three years ago and you binned the correspondence or did it all by phone an thought it was sortd.

Checked your own recently? Never had a loan then no credit rating.



I know one businessman that couldn't get a mortgage despite dealing with the bank for yerar and having business loans with them. The reason? a £30 charge showing as not by a seperate divison with the same bank Their mistake but do you think they would sort it, ended up the busines overdraft was withdrawn and the business failed trying suing a bank with no money and a bad crdit rating and see how far you get. Sound apocryphal I know but I know the man concerned.

[LarsMac]

In the US, one member of Congress proposed an interesting solution

Elizabeth Warren Proposes Replacing Payday Lenders With The USPS

[Peter Lake]

gmc;1458511 wrote:





postd by peter lake



Or not enough income. Actually you get a bad credit rating if you habitually pay bills late or even just have one outstanding payment or a disputed bill that the company concerned hasn't taken off your record. Sorting out errors take over you have to be able to prove your case - too bad if it was three years ago and you binned the correspondence or did it all by phone an thought it was sortd.

Checked your own recently? Never had a loan then no credit rating.



I know one businessman that couldn't get a mortgage despite dealing with the bank for yerar and having business loans with them. The reason? a £30 charge showing as not by a seperate divison with the same bank Their mistake but do you think they would sort it, ended up the busines overdraft was withdrawn and the business failed trying suing a bank with no money and a bad crdit rating and see how far you get. Sound apocryphal I know but I know the man concerned. Tell me about it! We've never had a bad credit rating as mortgages and all wages and bills going in and out of the account shows activity but i know exactly what you mean. Funny enough, only yesterday i was met with the downside of bureaucracy in banking. My experience began a few months ago when an elderly friend wanted to move from London nearer to us. I had always assumed the maisonette was council but it turned out her and her late husband had bought it. I'll leave you to imagine the sum it went for in the heart of Westminster. The sale went through very quickly and smoothly but the proceeds went into one account with a high street bank. She had other accounts with the bank with various amounts in them. She asked me to arrange a solicitor so she could make a will leaving everything to Dogs Trust animal charity and the P.D.S.A. I got her an appointment and she phoned me to say could i look at the draft copy because she didn't understand it. I found the detailed account of all her assets and asked her if she knew that with the bonds her husband had bought, she actually had over half a million pounds. Then the flat she had rented after her move proved unsuitable so we set about finding her something on the ground floor. That also went through smoothly and yesterday in the final stages, the new landlord asked me to arrange the deposit. I drove her to the bank and it should have been simple to transfer the amount to the new landlords account but she was short of that sum in her current account. I thought, simple, transfer some of her other accounts to the current account but found we couldn't because of ninety day accounts. It was a ridiculous shortfall in the amount so i asked if she could just have a short term overdraft and was told she had a poor credit rating due to inactivity. She still had the copy of her draft will in her handbag and i pointed out the ridiculousness as it appeared she was being penalised for her life of thriftiness. They would not budge so finally we drove to the post office and topped the amount up from there. Further investigation saw she was getting very little return on the money she had with this high street bank so i'm sitting down with her later next week with the banks financial advisor to avoid this again in the future and get her money working for her. It's unbelievable that someone with over half a million who has never had a loan in her life could be treated so shoddily. Prior to that, the new ground floor flat she applied for had an estate agents vetting prospective tenants. Again, she was told she was unsuitable due to inactivity in her current account which would have paid the rent through standing order. I finally had to go and see the landlord personally and show him what she was worth to bypass the jobsworths at the estate agents but it appears thriftiness in this day and age counts for nothing.

[Bruv]

Roll on Sharia Banking?

[FourPart]

I remember the first time I saw a Wonga TV ad & caught sight of the APR in very small print, for a minimally short period, just to cover themselves by law. I thought, at first, that it was a typo, or I hadn't noticed the decimal point, but no. Knowing that interest rates rise & fall at the best of times I checked it out on the Wonga website. The APR is currently 5853%. Even a Credit Card only charges something like 25% APR. Their argument is that the APR can be misleading because they specialise in short -term loans, but a percentage rate remains proportionate, regardless of time.

I also remember the business last year (or was it the year before?) when the Archbishop of Canterbury set up a campaign to put the Evil Wonga out of business. All very well & good, you might say - until it came to light that the finance company that handled the Church of England pension plan had used the Church's investments to establish Wonga in the first place. A bit of an embarrassment to the church all round. After all, they may have had the best intentions, but were unaware of how their investments were being handled. It makes you wonder what underhanded finance deals your own investments are being used for - arms - drugs - terrorism - slave trade - who knows?

[Bruv]

Roll on Sharia Banking?

Ok we can change the name to make it more acceptable.........but a change of some kind would be most welcome.

[gmc]

LarsMac;1458527 wrote: In the US, one member of Congress proposed an interesting solution

Elizabeth Warren Proposes Replacing Payday Lenders With The USPS


Smacks of socialism:sneaky: Joking aside socialism and self help movements in banking etc have the same roots. It's good capitalism to provide easier finance and prevent the more rapacious activities of the banks but most right wing pundits ignore that aspect of liberal capitalism and prefer the dog eat dog variety

[LarsMac]

These days, you're actually better off borrowing from the Mob loan sharks, than from these Payday lenders.

I can borrow 10 grand from my bookie friend, and I pay it back with 2 G Vig. Simple, and up front. If I don't pay him back when agreed, he breaks my leg, and I have to pay him back 20 G.

These guys, I could borrow 500 bucks, and end up owing them 2 Grand. I'd rather deal with my bookie friend.

One of my grandkids had to borrow some money a while back. (about $300) Instead of asking me, he borrowed it from Payday lender.

Then, he wrote them a check when time came to pay what he owed. Check bounced. (the kid sucks at managing his money.) By the time he was done, he owed them near $3000

NOW guess who he wants to hit up for a loan.

I told him it's time to go talk to a bankruptcy attorney.

[gmc]

LarsMac;1458565 wrote: These days, you're actually better off borrowing from the Mob loan sharks, than from these Payday lenders.

I can borrow 10 grand from my bookie friend, and I pay it back with 2 G Vig. Simple, and up front. If I don't pay him back when agreed, he breaks my leg, and I have to pay him back 20 G.

These guys, I could borrow 500 bucks, and end up owing them 2 Grand. I'd rather deal with my bookie friend.

One of my grandkids had to borrow some money a while back. (about $300) Instead of asking me, he borrowed it from Payday lender.

Then, he wrote them a check when time came to pay what he owed. Check bounced. (the kid sucks at managing his money.) By the time he was done, he owed them near $3000

NOW guess who he wants to hit up for a loan.

I told him it's time to go talk to a bankruptcy attorney.


:yh_rotflAh the wisdom of the aged, lessons in life given for free - bet he reads the small print next time. You see the young heading for a fall do you stop them or let them learn the lesson for themelves? You learn most when you do something stupid - speaking from personal experience.

Be kind to each other, tenderhearted, forgiving one another, just as God through Christ has forgiven you."

- Paul, Eph 4:32




Maybe you should change that one to life will smack you in the face when you think you are being sensible learn to deal with it.

[LarsMac]

gmc;1458595 wrote: :yh_rotflAh the wisdom of the aged, lessons in life given for free - bet he reads the small print next time. You see the young heading for a fall do you stop them or let them learn the lesson for themelves? You learn most when you do something stupid - speaking from personal experience.



Maybe you should change that one to life will smack you in the face when you think you are being sensible learn to deal with it.


He had found himself in a tight spot several years ago, through a combination of bad decisions, and people taking advantage of him. He was to the point that the only way out was to seek bankruptcy protection, and get himself straightened out. Somehow, he developed this prideful notion that he could power his way through all the bad debt and sort it out himself. (A noble idea, in theory, but there comes a time when you need to re-think your situation.) So, then he got married, and now has two children, is still up to his neck in debt, and continues to make bad decisions. He has borrowed several times from me when he needed immediate help, like to make rent, or a utility payment. The couple of thousand we have loaned him will likely never find a way back to our bank account.

I would have loaned him the money this last time, as well, had he asked, and probably loaned him enough to cover that rubber check, had he asked. But instead, he simply kept digging when he found himself in an ever deepening hole.

Now he wants me to cough up the several thousand he needs to bail out of this current crisis, and he will still be buried in debt.

I am not wealthy, but could probably dig up that 3 grand at some discomfort to my own house-hold. To do so would be like buying liquor for an alcoholic. Instead, I have offered to pay his attorney fees when he seeks bankruptcy. But I will NOT give my hard-earned money to those vampire lenders.



I would think he has had enough personal experience on the matter by now to have learned his lesson very well. Yet he keeps digging.

[FourPart]

The worst part of all is that companies like this prey on the desperate.

[Oscar Namechange]

FourPart;1458628 wrote: The worst part of all is that companies like this prey on the desperate. But why are they desperate?

We don't live In a third world country but a country where as pointed out previously, that anyone who's genuine sliding Into debt can make affordable repayments on utility bills subject to status and Income. There are other good lending houses In this country with far more affordable Interest rates such as the Provident. As with the £50 we never saw again, that person had already shafted the provident and couldn't go back to them.

I'm very old school In that respect believing that If you live within your means, budget and save even a couple of quid for emergencies, respect and pay any loans on time, you'll never have to be desperate. I'm speaking from an experience of times In my life when I've had a lot of money, little money and been just comfortable. Companies like Wonga exist only to a nation who have got themselves Into that mess.

I remember when we discussed bail out on this forum. We were watching people having houses repossessed, cars repossessed etc and I was meant to feel sympathy for them. Just to be clear, I am not talking about the genuine suffering hardship when a partner has died or genuine redundancy.

During the bail out a few years ago, I saw people around me living way beyond their means having the lot crash around them. Houses way beyond their means meaning both partners having to work 3 jobs each to pay a mortgage. Brand new 4X4's just to take one kid to school, credit cards, loans, remortgages for extensions and exotic holidays. Then when It goes tits up, they're crying because the new 4X4 Is being repossessed and they have to cancel the holiday... well tough !

That was the upshot of bail out where most walked Into their nearest court and declared bankruptcy leaving the tax payer to pick up the bill, only to start the whole rotten procedure 8 years later.

That's why companies like Wonga thrive....and I'm not talking about the USA either when Illness can bring bankruptcy.

People like Wonga thrive due to nothing more than greed. Greed that this country has pandered to before bail out.

[FourPart]

Oscar Namechange;1458696 wrote: But why are they desperate?

We don't live In a third world country but a country where as pointed out previously, that anyone who's genuine sliding Into debt can make affordable repayments on utility bills subject to status and Income. There are other good lending houses In this country with far more affordable Interest rates such as the Provident. As with the £50 we never saw again, that person had already shafted the provident and couldn't go back to them.

I'm very old school In that respect believing that If you live within your means, budget and save even a couple of quid for emergencies, respect and pay any loans on time, you'll never have to be desperate. I'm speaking from an experience of times In my life when I've had a lot of money, little money and been just comfortable. Companies like Wonga exist only to a nation who have got themselves Into that mess.

I remember when we discussed bail out on this forum. We were watching people having houses repossessed, cars repossessed etc and I was meant to feel sympathy for them. Just to be clear, I am not talking about the genuine suffering hardship when a partner has died or genuine redundancy.

During the bail out a few years ago, I saw people around me living way beyond their means having the lot crash around them. Houses way beyond their means meaning both partners having to work 3 jobs each to pay a mortgage. Brand new 4X4's just to take one kid to school, credit cards, loans, remortgages for extensions and exotic holidays. Then when It goes tits up, they're crying because the new 4X4 Is being repossessed and they have to cancel the holiday... well tough !

That was the upshot of bail out where most walked Into their nearest court and declared bankruptcy leaving the tax payer to pick up the bill, only to start the whole rotten procedure 8 years later.

That's why companies like Wonga thrive....and I'm not talking about the USA either when Illness can bring bankruptcy.

People like Wonga thrive due to nothing more than greed. Greed that this country has pandered to before bail out.
I get your point, but don't entirely agree.

I am on Job Seekers Allowance myself, which offers a very limited income & I don't smoke or drink (at least, not on any regular basis), nor do I run a car - just my little moped. However, I still find it practically impossible to make ends meet, regularly finding I have to dip into my savings (not that there's much of them left now) as my weekly outgoings exceed my weekly income. It is people in this sort of situation, especially those with kids, who frequently find themselves having to rely on Food Banks ( I have even been referred to a Food Bank myself, but personal pride forbids me to do so). The point that regularly comes to a choice between feeding the kids or paying the other bills. People in this sort of situation have no chance of getting loans from reputable suppliers as they are considered as being too high a Credit Risk so, as a last resort, they turn to the licenced Loan Sharks, such as Wonga.

I can assure you that being in such a situation is soul destroying, and there are plenty who are worse off than me, while the Goverment continue to implement cuts. In fact I learned, on Friday, that there have been 26 redundancies at the local DWP office. Where is the logic there? Rising unemployment, nationwide, so they make the staff that are already increasingly overworked in dealing with them redundant, placing an even greater workload on those remaining.

While there is much to be said for those simply living beyond their means in an attempt to continue to live in manner to which they have become accustomed is far from being on a far from those suffering from malnutrition - and bear in mind that malnutrition is not the same as being underweight. It is a case of eating the wrong things. It's just that these wrong things are those which are the cheapest & most filling - something that I have found especially so since being on a diet. Eating less is costing more.

Yes true desperation is very, very real & getting worse all the time.

[Oscar Namechange]

FourPart;1458740 wrote: I get your point, but don't entirely agree.

I am on Job Seekers Allowance myself, which offers a very limited income & I don't smoke or drink (at least, not on any regular basis), nor do I run a car - just my little moped. However, I still find it practically impossible to make ends meet, regularly finding I have to dip into my savings (not that there's much of them left now) as my weekly outgoings exceed my weekly income. It is people in this sort of situation, especially those with kids, who frequently find themselves having to rely on Food Banks ( I have even been referred to a Food Bank myself, but personal pride forbids me to do so). The point that regularly comes to a choice between feeding the kids or paying the other bills. People in this sort of situation have no chance of getting loans from reputable suppliers as they are considered as being too high a Credit Risk so, as a last resort, they turn to the licenced Loan Sharks, such as Wonga.

I can assure you that being in such a situation is soul destroying, and there are plenty who are worse off than me, while the Goverment continue to implement cuts. In fact I learned, on Friday, that there have been 26 redundancies at the local DWP office. Where is the logic there? Rising unemployment, nationwide, so they make the staff that are already increasingly overworked in dealing with them redundant, placing an even greater workload on those remaining.

While there is much to be said for those simply living beyond their means in an attempt to continue to live in manner to which they have become accustomed is far from being on a far from those suffering from malnutrition - and bear in mind that malnutrition is not the same as being underweight. It is a case of eating the wrong things. It's just that these wrong things are those which are the cheapest & most filling - something that I have found especially so since being on a diet. Eating less is costing more.

Yes true desperation is very, very real & getting worse all the time. This country has gone from one extreme to the other... pre bail out, unashamed lending that got people Into trouble and post bail out, genuine hardship because lending Is far more scutinised these days.

Have you tried Citizens Advice where they can have a proffessional look at Income and expenditure for free and work out a plan to leave you more money each week?

I know It's soul destroying and believe me, I understand. 17 years ago, my husband and I had a joint Income of £1,800 a week although the Income tax we paid was obscene. Then I was admitted to hospital for emergency major surgery. Bam, right out of the blue. One minute I'm having to pay a cleaner because I worked up to 14 hours a day, the next, nothing. As I recovered and looked at going back to work, complications set In, then my husband was diagnosed with cancer and bam, his career gone. As time drags on the desperation sets In because you can see no way out of It. You can't even work because of the Illness's but I know this will sound trite right now, but It does get better. You can drag yourself back up. I did even from severe depression which set In around that time. Keep the faith and try to stay positive. I used to repeatedly tell myself ' how much worse can this get'? but replaced It with ' how much better can this get'. I wish the sincerest, best of luck.

[FourPart]

The CAB aren't really of any use in my situation. I always make sure of not going into debt, as I'm fully aware that that is just the beginning of the never ending spiral, and £96 a week doesn't go far.

My priorities have to place utilities first & foremost, then food, then clothing. Clothing is also a problem at the moment, as with the current weight loss my clothes keep outgrowing me - although fortunately I have on old Vickers hand-crank sewing machine, which I'm quite adept with, and have been able, thus far, to take them in - quite professionally so as well, if I say so myself.

The moped may be considered a luxury, but it's cheaper than using the bus.

The internet may also be considered a luxury, but it's essential for trying to find work, especially when the primary (if not only) form of communication with potential employers these days is online / email - plus the DWP actually require you to have an email address & a mobile telephone number now in order to qualify for benefits, otherwise they claim that you are not actively seeking employment.

Even if I didn't have a TV, a TV licence would still be required, as I have access to the internet (something I personally consider to be illegal, as it goes against the Monopoly laws).

Even with my HC2 certificate I've just had to pay out £77 on a new pair of glasses, this time without the added extras that I've always had in the past of Reactolite lenses - just the bare minimum.

A few quid here & there might not sound much, but if you look at it as a percentage of a weekly budget, it soon becomes a lot more than it initially sounds.

[Oscar Namechange]

FourPart;1458793 wrote: The CAB aren't really of any use in my situation. I always make sure of not going into debt, as I'm fully aware that that is just the beginning of the never ending spiral, and £96 a week doesn't go far.

My priorities have to place utilities first & foremost, then food, then clothing. Clothing is also a problem at the moment, as with the current weight loss my clothes keep outgrowing me - although fortunately I have on old Vickers hand-crank sewing machine, which I'm quite adept with, and have been able, thus far, to take them in - quite professionally so as well, if I say so myself.

The moped may be considered a luxury, but it's cheaper than using the bus.

The internet may also be considered a luxury, but it's essential for trying to find work, especially when the primary (if not only) form of communication with potential employers these days is online / email - plus the DWP actually require you to have an email address & a mobile telephone number now in order to qualify for benefits, otherwise they claim that you are not actively seeking employment.

Even if I didn't have a TV, a TV licence would still be required, as I have access to the internet (something I personally consider to be illegal, as it goes against the Monopoly laws).

Even with my HC2 certificate I've just had to pay out £77 on a new pair of glasses, this time without the added extras that I've always had in the past of Reactolite lenses - just the bare minimum.

A few quid here & there might not sound much, but if you look at it as a percentage of a weekly budget, it soon becomes a lot more than it initially sounds.


You can at least hold your head high for being so responsible and having some principles.

I have a revolting neighbour ( yes her again). Her long suffering husband comes round my house to vent to my husband as do her kids lately.

To cut a long story short, when her eldest two got to 15 years old and Cameron was muttering that all Mothers were going to have to do some work, she had two more babies.

I just don't get It with her... I'm not the snooping kind so I can't be arssed to find out but I just don't get It.

£3,000 rent arrears, £4,000 council tax arrears, £2,000 water rates arrears, prosecuted repeatedly for no TV licence. Always and forever In the Doctors trying to get the two eldest diagnosed with some condition to claim more and to get herself disability allowance on top of all their benefits. Had her first two by different Fathers and the latest two are by the current husband. Never worked a day In her life since leaving school at 16. Her husband receives disability allowance for alleged depression although I'm willing to buy that one what with living with that nagger and I'll give him his due because he does do voluntary work.

Yet, they run a fairly new car. Not a week goes by when she's not having a new tattoo, facial piercing or dying her hair some shade of green. They go down the local pub at least twice a week, have regular take-outs delivered and she's forever buying dvd's and crap on E Bay. I just don't get It. They can't evict them because of the babies. She pestered the life out of her GP about back pain while she was redecorating the house herself and assembling flat pack furnature. Finally she got her way and got an MRI scan which showed some minor degeneration of the spine. Whooppee !!!! Back to the claims department to claim additional disability allowance yet my husband has serious degeneration of the lower spine and gets zilch.

Her children walk around grubby, and under fed. Her husband won't leave because he's In no doubt he'll never see his babies again unless he pays through the nose for the rest of their lives.

Then there's folk like you who are genuine, meeting utilities first and food last.

It makes my blood boil every time I see her sporting some new tattoo. It just doesn't seem fair and she's not he only one bucking he system.

[FourPart]

I received a Text Spam from ATMLoansUK.com earlier this evening (another Wonga Wannabe Loan Shark), and the origin of the Text really gave it a lot of credibility --- FreeSMS. It may as well have been a @hotmail.com address.

[LarsMac]

FourPart;1460116 wrote: I received a Text Spam from ATMLoansUK.com earlier this evening (another Wonga Wannabe Loan Shark), and the origin of the Text really gave it a lot of credibility --- FreeSMS. It may as well have been a @hotmail.com address.


Hey WAIT!!!

I use a hotmail.com email account. Have had it for years. Got it back in the 90s sometime, long before MS bought it and ruined it.

It has served me well.

Beats the heck out of Yahoo.com

[FourPart]

LarsMac;1460117 wrote: Hey WAIT!!!

I use a hotmail.com email account. Have had it for years. Got it back in the 90s sometime, long before MS bought it and ruined it.

It has served me well.

Beats the heck out of Yahoo.com
I have Hotmail on my list of Blocked Senders. Anything from Hotmail goes straight to the Spam folder - as that's normally what it is. Being one of the anonymous Freebies, it's an ideal tool for Spammers.

Be honest, though. Would you trust a bank that used a finance@hotmail.com as its email address?

[LarsMac]

FourPart;1460120 wrote: I have Hotmail on my list of Blocked Senders. Anything from Hotmail goes straight to the Spam folder - as that's normally what it is. Being one of the anonymous Freebies, it's an ideal tool for Spammers.

Be honest, though. Would you trust a bank that used a finance@hotmail.com as its email address?


I don't trust banks all that much, whatever email they use. But yeah, I get where you are coming from. No legitimate business would use hotmail, or Yahoo, or whatever, i my opinion.