Cerberus Posted November 6, 2019 Share Posted November 6, 2019 This is the type of shit texts I get sent daily, despite unsubscribing from and opting out to hundreds of such pis: Hi Anna,Send nudes. 0 Quote Link to comment Share on other sites More sharing options...
Bairnardo Posted November 6, 2019 Share Posted November 6, 2019 52 minutes ago, Cerberus said: Hi Anna, Send nudes. Mon tae f**k. Anna hears that shit every day. Need to stand out. I suggest 0 Quote Link to comment Share on other sites More sharing options...
DA Baracus Posted November 6, 2019 Share Posted November 6, 2019 0 Quote Link to comment Share on other sites More sharing options...
Jacksgranda Posted November 6, 2019 Share Posted November 6, 2019 Anna is still in the lead here,,, 0 Quote Link to comment Share on other sites More sharing options...
Busta Nut Posted November 6, 2019 Share Posted November 6, 2019 38 minutes ago, DA Baracus said: Tony's branching oot 0 Quote Link to comment Share on other sites More sharing options...
The Equalizer Posted November 6, 2019 Share Posted November 6, 2019 One week before I moved to Canada I bumped every one of these parasites. Not one pang of guilt. 11 Quote Link to comment Share on other sites More sharing options...
The Equalizer Posted November 6, 2019 Share Posted November 6, 2019 On 25/10/2019 at 02:54, smpar said: And then the next week you owe two thousand pounds, and then the next week you owe three thousand pounds. That's plenty Jack. 2 Quote Link to comment Share on other sites More sharing options...
GiGi Posted November 21, 2019 Share Posted November 21, 2019 On 27/10/2019 at 13:52, DA Baracus said: I've had more than 1 so I can probably rule out ever getting a mortgage. Nah your credit file can always recover, it just takes time. Defaults will hang around for 6 years but everything else will drop off after a while as your circumstances improve. 0 Quote Link to comment Share on other sites More sharing options...
HeWhoWalksBehindTheRows Posted January 31, 2020 Share Posted January 31, 2020 7 hours ago, alexcool said: I don't takea loans which I can't pay. So i have account manager, who helps mr with them. Is it bad in Italy too with these companies? 12 Quote Link to comment Share on other sites More sharing options...
Cardinal Richelieu Posted February 15, 2020 Share Posted February 15, 2020 1 hour ago, goliaph said: Taking a loan it's a responsible activity. I think it is very important to choose a trustworthy loan company and to pay attention to all the details before signing the contract. Have you got any links that we could click? 3 Quote Link to comment Share on other sites More sharing options...
bishopburn boy Posted February 16, 2020 Share Posted February 16, 2020 On 21/11/2019 at 18:42, oaksoft said: And the banks went tits up because the lent to people who thought "f**k it, I won't pay". So your "what would you prefer" question needs an option. The problem with banks lending or credit unions lending boils down to the same issue - people defaulting on loans they know full well they can't afford to repay but taking the money anyway. Not quite , banks pushed money on folks who could never pay , ok default , get the property , but the problems really began when the banks started selling parcels of this “never going to happen” debt to each other at inflated prices , and actually created a market where they were making profit from it . THEN they went , we are not paying that , we’ve already made a fat profit , it’s your turn to front up 2 Quote Link to comment Share on other sites More sharing options...
Guest JTS98 Posted February 16, 2020 Share Posted February 16, 2020 (edited) 1 hour ago, bishopburn boy said: Not quite , banks pushed money on folks who could never pay , ok default , get the property , but the problems really began when the banks started selling parcels of this “never going to happen” debt to each other at inflated prices , and actually created a market where they were making profit from it . THEN they went , we are not paying that , we’ve already made a fat profit , it’s your turn to front up Huge part of the problem is how staff/teams are incentivised to lend money. Commission, bonuses, prizes etc. I used to work for a very large Hong Kong-based bank and remember well the encouragement to get folk signed up. The people selling the stuff at the customer face give not a flying f**k about the bank's risk or the customer's ability to pay. They care about commission and bonuses. Salesperson has good stats and gets financial reward. His or her team leader looks good. Team leader's manager looks good. It's in nobody's interest to sell sensibly. As long as that's the case, bad loans will be an everyday occurrence. Edited February 16, 2020 by JTS98 0 Quote Link to comment Share on other sites More sharing options...
Priti priti priti Patel Posted February 16, 2020 Share Posted February 16, 2020 1 hour ago, oaksoft said: It depends on your level of spin. You can either say that people wolingly and knowingly took on loans they knew they couldn't pay back or you can say the banks forced money on people who had absolutely zero ability to think for themselves. I prefer the former. I was about to reply, "you sound like the Oaksoft of the financial world". Then I noticed it was Oaksoft. You poor, lonely bore. 1 Quote Link to comment Share on other sites More sharing options...
Derry Alli Posted February 16, 2020 Share Posted February 16, 2020 Take all the money you can get and bump them. f**k 'um. 0 Quote Link to comment Share on other sites More sharing options...
philpy Posted February 16, 2020 Share Posted February 16, 2020 Take all the money you can get and bump them. f**k 'um. ^^^^ rangers 1 Quote Link to comment Share on other sites More sharing options...
beefybake Posted February 16, 2020 Share Posted February 16, 2020 6 hours ago, JTS98 said: Huge part of the problem is how staff/teams are incentivised to lend money. Commission, bonuses, prizes etc. I used to work for a very large Hong Kong-based bank and remember well the encouragement to get folk signed up. The people selling the stuff at the customer face give not a flying f**k about the bank's risk or the customer's ability to pay. They care about commission and bonuses. Salesperson has good stats and gets financial reward. His or her team leader looks good. Team leader's manager looks good. It's in nobody's interest to sell sensibly. As long as that's the case, bad loans will be an everyday occurrence. By any chance would this be the Hong Kong and Shanghai Banking Corporation..... aka HSBC..? 0 Quote Link to comment Share on other sites More sharing options...
ICTChris Posted February 16, 2020 Author Share Posted February 16, 2020 I know someone who worked for a big bank in the mid 2000s and they were heavily pressured to get PPI sign ups. Given the result of this ended up costing all the banks pushing it literally billions of pounds you’d hope that they’d factor this in to how they sell and tailor products now.Somehow I doubt it though. 0 Quote Link to comment Share on other sites More sharing options...
101 Posted February 16, 2020 Share Posted February 16, 2020 1 hour ago, ICTChris said: I know someone who worked for a big bank in the mid 2000s and they were heavily pressured to get PPI sign ups. Given the result of this ended up costing all the banks pushing it literally billions of pounds you’d hope that they’d factor this in to how they sell and tailor products now. Somehow I doubt it though. Banks just set up the PPI reclaim companies and charged folk for something they could do for free. Genius. 0 Quote Link to comment Share on other sites More sharing options...
Guest JTS98 Posted February 17, 2020 Share Posted February 17, 2020 6 hours ago, beefybake said: By any chance would this be the Hong Kong and Shanghai Banking Corporation..... aka HSBC..? Well. It would be unbecoming to single out one... 0 Quote Link to comment Share on other sites More sharing options...
Guest JTS98 Posted February 17, 2020 Share Posted February 17, 2020 11 hours ago, oaksoft said: It depends on your level of spin. You can either say that people wolingly and knowingly took on loans they knew they couldn't pay back or you can say the banks forced money on people who had absolutely zero ability to think for themselves. I prefer the former. I think you're being kind to the financial institutions. At the institution I worked at before, those selling loans, mortgages were often encouraged to find ways to make an unaffordable deal affordable for the customer. This was seen as good customer service. It's not. If someone can't afford a loan, reorganising it to make things look different and telling them they can afford it now is not responsible. Many people will assume it'll be fine if the bank says it'll be fine. 0 Quote Link to comment Share on other sites More sharing options...
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