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  1. #1
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    So this guy just knocked on my door..

    Just on the way out, but this has made me that mad that.....well it made me come here and post it.

    Someone just gave my missus a leaflet saying have you heard of 'naylors finance', explaining he was like the provident. Wife kindly declined, he then said 'but you get 100 shopping vouchers' - wife 'but do you have to borrow anything to get the vouchers', he said yes and she declined again. Anyway the leaflet - £99 vouchers, 27 weekly payments blah blah - 422.4 APR!!!!! Jesus!!!

    I dont live in the poshest of areas, but there is no wonder that the poor get poorer.

    Should be illegal.

    Alan

  2. #2
    Mr Universe

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    Re: So this guy just knocked on my door..

    i have seen up to 2000 % apr,

    I agree it should be illegal

  3. #3
    If you need a friend, get a dog !
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    Re: So this guy just knocked on my door..

    but you can always decline, as your wife did , whats the issue here ?

    I bet you are on the neighbourhood watch , maybe president ?

  4. #4
    going for it!!!
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    Re: So this guy just knocked on my door..

    seem like a good idea to me if people cant see past it then i think its there own fault but you do realise nearly ever cloths shop you go in every electronic store etc have the same system...... also why do you think banks love giving credit cards out etc
    i see 10+ adverts a day on tv lending money which are even worse than this...
    i think its a good money making business and has been for years a bit extream i agree

  5. #5
    this is the year with no fear, no beer, and in the gym...blood sweat and tears...
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    Re: So this guy just knocked on my door..

    442% apr is nothing compared to some of these robbing b@astards mate.

    ive seen some at 2762%apr......fkn mind blowing.

    fck all these companies making money off people who dont have a choice.

  6. #6
    At the Shrine trying to build my pathetic muscles :D
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    Re: So this guy just knocked on my door..

    yeah mate have you seen those b4rstards quick quid i hope they go to hell they are just like legal loan sharks i just hope no one falls for their stinky ****ty traps!

  7. #7
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    Re: So this guy just knocked on my door..

    Quote Originally Posted by asc View Post
    Just on the way out, but this has made me that mad that.....well it made me come here and post it.

    Someone just gave my missus a leaflet saying have you heard of 'naylors finance', explaining he was like the provident. Wife kindly declined, he then said 'but you get 100 shopping vouchers' - wife 'but do you have to borrow anything to get the vouchers', he said yes and she declined again. Anyway the leaflet - £99 vouchers, 27 weekly payments blah blah - 422.4 APR!!!!! Jesus!!!

    I dont live in the poshest of areas, but there is no wonder that the poor get poorer.

    Should be illegal.

    Alan
    It's called supply and demand mate I'm afraid. You'll find that it's the time of year when all these companies start to appear and hit the less affluent areas of the country.

    There will always be a market for this kind of finance nowadays because kids want the same toys as the kids they got to school with, some parents can afford to pay cash but sadly the others have to use these Sub Prime companies every year.

  8. #8
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    Re: So this guy just knocked on my door..

    Quote Originally Posted by Wheyman View Post
    i have seen up to 2000 % apr,

    I agree it should be illegal
    It all depends how long the loan is over, if you look at Wonga.com they use an APR of 1000% over 4 weeks, when you look at how much you pay back it's not much.

  9. #9
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    Re: So this guy just knocked on my door..

    Quote Originally Posted by andy View Post
    442% apr is nothing compared to some of these robbing b@astards mate.

    ive seen some at 2762%apr......fkn mind blowing.

    fck all these companies making money off people who dont have a choice.
    That's why these companies are making millions off their doorstep loan operations.

  10. #10
    Patch is no Match
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    Re: So this guy just knocked on my door..

    Don't you just love the crimbo season

  11. #11
    EFBB Winner
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    Re: So this guy just knocked on my door..

    meh wonga etc have there place because of silly bank charges

  12. #12
    I am the master....The iron is my Gimp!
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    Re: So this guy just knocked on my door..

    I know what you mean, can become very tempting whatever the APR, if you have been really skint for a bit.

    I bet tons of people will go for it, espesialy if not really clued up.

  13. #13
    Mr Olympia
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    Re: So this guy just knocked on my door..

    Quote Originally Posted by andy View Post
    442% apr is nothing compared to some of these robbing b@astards mate.

    ive seen some at 2762%apr......fkn mind blowing.

    fck all these companies making money off people who dont have a choice.
    who else you gonna make money off ??


    do you really think big corporations are any different ? they make money through people being desperate for their product .

  14. #14
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    Quote Originally Posted by BatemanLondon View Post
    but you can always decline, as your wife did , whats the issue here ?

    I bet you are on the neighbourhood watch , maybe president ?
    The issue i have...well a few have already hit the nail on the head for me. Yes wife declined,but others less clued up might now. Or those in hard times. I guess that is my issue.

    Dont even know what to say to the neighbourhood watch comment..

  15. #15
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    Re: So this guy just knocked on my door..

    Quote Originally Posted by Nidge View Post
    ... because kids want the same toys as the kids they got to school with, some parents can afford to pay cash but sadly the others have to use these Sub Prime companies every year.
    Kids today! I was quite happy with a tangerine and a few brazil nuts me

 

 
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