• Hey, guest user. Hope you're enjoying NeoGAF! Have you considered registering for an account? Come join us and add your take to the daily discourse.

Football Thread 2012/13 |OT5| One word to rule them all

Status
Not open for further replies.
Y

Yurt

il capo silenzioso
I can't take Phantast2k seriously after knowing he labels his porn CDs "Porn".
cHmjw.gif


Zabojnik said:
http://www.greener-works.com/images/stock/sold/sold.gif[IMG]

Btw, what's Llorente's current situation? Does he play regulary?[/QUOTE]

He's getting the 10 minutes/extra time treatment.

[quote="Slizz, post: 43057603"]How much would you be willing to lend and to how many friends would you offer that to?

I dunno if I could lend out 4 digits to a friend.[/QUOTE]

I did once. We were all going on a trip and he was left out because he was broke as fuck at that time. He returned it a few months later.
Click to expand...
 
V

Vivalaraza

Member
elsk said:
Well, unless you can't find a job at all, I don't see how taking a loan would be necessary in a developed country. Even with the shittiest job, you get enough money to live.
Click to expand...
Can't say much more other than - you're wrong.

I'm not surprised you think that, I used to think that too. But the cost of living in this country is just going up and up. Incomes are staying the same and state support is falling.

People in good jobs are just about managing, that's no exaggeration. I'm not saying people have NO other option but to take these loans, but when things get as messed up for them as they do, other problems inevitably begin to crop up and people are pushed to the walls...which is why they go and take these loans.
 
E

elsk

Banned
Vivalaraza said:
Can't say much more other than - you're wrong.

I'm not surprised you think that, I used to think that too. But the cost of living in this country is just going up and up. Incomes are staying the same and state support in falling.

People in good jobs are just about managing, that's no exaggeration.
Click to expand...

I see, I didn't know that. Thanks :)
 
S

Slizz

Member
In Yurt's scenario of the trip I'd probably do it, but I wouldn't do it all myself. If its a group of friends then we could all split it to get our buddy on board.
 
P

Phantast2k

Member
The_Hitcher89 said:
Basically, companies like Wonga claim on two types of people, the desperate and the ignorant.

You go to a company like Wonga when:

-You're living payday by payday, and need an advance to cover an unforeseen expenditure

Ok, I'm with you, but what's so important that needs to be payed on time or it'll kill you? running costs (electricity, heating, etc.), rent - everything can be payed delayed, but with an additional fee (still below the loan shark's fees). If you lack money for food you could still go to the authorities/soup kitchens. I'm just extrapolating from Germany to UK here.

-You are unaware of the ramifications of borrowing money from them and not being able to pay it back in the tiny window they provide

I'm sure it's not bodily harm or forced debt collecting to the extent where they take away your livelihood (there are certain monetary borders that can't be crossed as far as debt collecting goes. Again: extrapolating
Oh wait, you're providing examples for ppl. taking loan sharks. Ok, but that is solely on you, isn't it? Always read the small print, ALWAYS

-You have your priorites mixed up, and think that you need a sum of money immediately to cover things like presents, holidays, school-clothes, whatever

Well, you're pretty fucked up if you live paycheck to paycheck and feel like you need to gift an iPad (shitty parenting?) and I don't think the gov. wouldn't help you with providing your kids with school uniforms? Dunno

-You're too ashamed to ask for help from family/friends

Well, fuck you then :[

-You don't have time to apply for welfare, or your financial instability is not deemed bad enough to qualify for it

That seems like a technicality (I cannot be familiar with that in UK), but again: not paying on time would probably still not mean the end of you (the literal end)

If you fail to pay it back for too long, they take everything of value to you

Legal loan sharks
Click to expand...

You provided some broader context, thanks for that. But none of that really changes my stance on this company (which doesn't mean that I absolve it)

elsk said:
My father had to take a loan to pay some energy/water bills and those fuckers took his car.
LLShC.gif


And I agree, I don't see why people would need to take loans on a developed country. Unless you're a lazy idiot.
Click to expand...

See, I would not even touch the subject in developing countries (or 3rd world countries). A whole different issue there.
In Germany they it would be against the law to repo a person's car if it's needed for work/family, etc.

Yurt said:
So whatever happened to borrowing money from people you know? I'm okay with lending money to my friends.
Click to expand...
I had horrid experiences with that. I still do it, but with a written contract for bigger amounts (no fuck you, you're an asshole, lol) But family/friend bonds are very different in Central, Northern and Southern Europe, so you might have a different mentality about it.

Vivalaraza said:
You are right.

The problem is the type of people that generally go to loan sharks are misinformed and caught up in other problems. They don't evaluate all their options and most likely have been irresponsible anyway, they just see a quick fix by lending this money and after that its too late.
Click to expand...
But people take advantage of the misinformed since the dawn of man (dat religion). Yes, and they get into trouble, but still live on and stay healthy despite their loans.

Yenrot said:
Funnily enough, Wonga were forced to pull some ads from the air because they suggested people use Wonga because they wanted to wanted to buy "fun" things, whereas, in reality, it's used by people with severe financial problems.
Click to expand...
My argument is that the severity of financial problems in vast majority of cases does not warrant getting a loan from sharks.

Slizz said:
How much would you be willing to lend and to how many friends would you offer that to?

I dunno if I could lend out 4 digits to a friend.
Click to expand...
I'd do it, but only with a contract.

/too slow...reading on
 
T

The_Hitcher89

Member
fuenf said:
every Bioshock is, Steampunk fucking sucks.
Click to expand...

Fuck you, buddy

@Phantas2k, I'm not sure how long you have to go without paying a bill before you have the anemity taken from you, but people live in fear of it happening. And I imagine people use it to pay for the final warning bills, rather than covering the normal payment
 
M

Messi

Member
fuenf said:
i like red carpet closeups (face) or potrait sessions best. i like the small imperfections....
Click to expand...

I can dig that. Don't know what it is about candid Olivia shots but that butters my bread. Not against pro shots either to be fair.

9/10 is just use those pics vs watching porn.
 
V

Vivalaraza

Member
The_Hitcher89 said:
@Phantas2k, I'm not sure how long you have to go without paying a bill before you have the anemity taken from you, but people live in fear of it happening. And I imagine people use it to pay for the final warning bills, rather than covering the normal payment
Click to expand...
You can have your energy cut off in the UK after 28 days after missing a payment

There's no doubt people can almost always do more to help themselves. But society doesn't work that way, people need help, people make mistakes. And that's where these loan sharks cash in.
 
P

Phantast2k

Member
Vivalaraza said:
Even in a country like the UK people live in horrific circumstances even after taking the state into account. We are more fortunate than most but there are cases where people are screwed and the state isn't doing enough to help them and they feel they have no other option.
Click to expand...
I can't imagine regular citizens living in horrific circumstances in UK, not with all the welfare recipients getting plastic surgeries reimbursed/etc. Illegal immigrants, sure. I even remember a movie where Audrey Tautou played a Turkish il. imm. in London - in any case it's no secret that illegal immigrants live in horrid circumstances, often being exploited by their fellow countrymen. But they won't be going to the loan sharks anyways, so it's not about them.

The_Hitcher89 said:
Shame plays a huge part as well. We live in a society where you're judged by your disposable income and financial independence, and a lot of people simply can't bear to ask for help from people they know

Yes and I can hardly feel bad for people who suffer from that and go to loan sharks, sorry

Its insultingly ignorant to throw words like 'lazy' and 'idiot' at every person who finds themself in that position. Undoubtedly, often people find themselves drawn to money-lenders because of a lack of knowledge on the subject or seeing it as a quick-fix in leiu of working or waiting for the money. Some people are just fucked over by life though, and see no other option

They may be fucked over by life, but not to the extent where they'd see no other solution but plunging into shark debt - I think.
Click to expand...

elsk said:
Well, unless you can't find a job at all, I don't see how taking a loan would be necessary in a developed country. Even with the shittiest job, you get enough money to live. You have healthcare and some social helps.
Click to expand...
If you can't find a job you still get:
- free healthcare, rent (+ heating) and around 400€ [in Germany] (for food, clothes, leisure) and it's much more in the Nordic states and probably UK too(?)

Yurt said:
I can't take Phantast2k seriously after knowing he labels his porn CDs "Porn".
cHmjw.gif
Click to expand...
No, it was XXX - a term not necessarily associated with porn in Germany :p

Vivalaraza said:
Can't say much more other than - you're wrong.

I'm not surprised you think that, I used to think that too. But the cost of living in this country is just going up and up. Incomes are staying the same and state support is falling.

People in good jobs are just about managing, that's no exaggeration. I'm not saying people have NO other option but to take these loans, but when things get as messed up for them as they do, other problems inevitably begin to crop up and people are pushed to the walls...which is why they go and take these loans.
Click to expand...

This can be summed up as white man problems (not that I disagree), because we still get to eat plenty, have a roof over our heads and have (in that case) free healthcare.


//
The_Hitcher89 said:
Fuck you, buddy

@Phantas2k, I'm not sure how long you have to go without paying a bill before you have the anemity taken from you, but people live in fear of it happening. And I imagine people use it to pay for the final warning bills, rather than covering the normal payment
Click to expand...
Well, but at some point you just have to turn to the state for support, don't you? There are laws in Germany which prohibit land lords from simply kicking out tenants because they can't pay their rent. But even then the scenarios are hard to imagine - if you don't have the money, you go for gov. support. It must be similar in UK, if ppl. feel too ashamed and whatnot then too bad for them.
Vivalaraza said:
You can have your energy cut off in the UK after 28 days after missing a payment

There's no doubt people can almost always do more to help themselves. But society doesn't work that way, people need help, people make mistakes. And that's where these loan sharks cash in.
Click to expand...
Yeah, but they give money to (basically) "hopeless" cases with a low paying morale - with a huge shortfall like that you have to make money off of something, no?
 
Status
Not open for further replies.

Similar threads

  • Locked
Football Thread |OT14| Only Wilbury's belly is smoother than BAAAYEEERNs season
396 397 398 399 400
20K
677K
Timurid replied
Football Thread |OT13| This title has been fixed
393 394 395 396 397
20K
710K
Blue Lou replied
  • Locked
Football Thread 2012/13 |OT2| @agent_89: My sources tell me the season has started
400 401 402 403 404
20K
857K
Messi replied
  • Locked
Football Thread |OT11| Campaign: Save a donkey in Colombia
395 396 397 398 399
20K
724K
pulga replied
Football Thread |OT12| Kicked the Ballboy Like Stan Hit Ulrika
395 396 397 398 399
20K
700K
Joel Was Right replied
Top Bottom