MONEY MORAL DILEMMA. Would you take the job?

pollyhelen

i would say dont take it. my other half took a job when we were struggling to make ends meet in australia selling a deal for cheap electricity if you signed up for 4 years with the same company, but it wouldn't work out cheaper and the doorstep sellers were expected to prey on the more vulnerable of society - i.e older people. He was entirely unable to earn any comission as he could not convince himself it was a good deal and therefore was unable to convince others, especially the target market. therefore he never earned the promised glories.
dont waste your time, if you dont believe in the work...

margaretfeb

No definitely not!

Jo4

What was the poll results?

Dina_Dastardly

Whether you take the job or not depends on who you work for.

Most Jobs in this area of work are part of organised crime.
So it is from this point that I would be worried about taking on this type of work.
More often than not once you are in - then you are in. There is no getting out!
There is not much difference in working in this area as there is in selling drugs. Both are illegal and about trapping the vulnerable into contracts which they can never extracate themselves.

For my own safety there is no way I would ever consider taking a job of this kind.
So obviously my advise to you would be not to take this job, and to distance yourself as far from these people as possible.

Nicki24

No, no, no.......... why would you ever put yourself in a situation when you are £15,000 in debt and have first hand knowledge of the misery it causes and in effect take a job that would let someone else take on that burden too! Okay we all have freewill and nobody would be making the people sign up to the contracts you were selling but there has to be a line somewhere and if people keep accepting jobs from these unscrupulous companies then it will never stop.

Even at the lowest ebb you cannot justify helping these huge corporate companies who couldnt care less about the so called 'little people' make a fast buck. Stuff them and stuff their money. Most banks/buiding societies etc will be willing to discuss repayment terms with you that are more agreeable to do this than go the route of taking you to court to claim back money you dont have. The first point of call in this situation has to be to contact the people you owe money to and talk to them. At the end of the day they want their money back and you want to pay them so even if you can only afford the smallest amount they would prefer that to nothing and having to go the route of taking you to court.

Yes if you dont take the job somebody else will.....but let it be on their conscience and not yours!

Sometimes as hard as it is you have to look at the bigger picture, the answer is not always in the hear and now.....its hard to see a way out of a what seems to be a dismal situation sometimes but there is always, always a way!

mindi_007

There are many jobs available, some of them better pay or conditions than others but I think 'Sam' should keep trying. It doesn't stipulate if the wage is commission based and if it is then there's a lot of walking/ haggling/ persuading or however you sell high APR loans to vulnerable people. If 'Sam' would be happy and have a clear conscience after selling a large loan with high APR to someone who can only just afford payments, are elderly, unable to go out and find work if finances become tough then he should take the job. I know I couldn't do it.
What Sam could do is talk to the people s/he owes this money to and reduce payments temporarily until s/he gets a job. Explain the situation and actively get out there and sell her/himself to employers! Take two jobs? They're always after people to work in fast food, temp work, supermarket work until a job related to Sam's experience is found??

vixarooni

i would take it. yea theres loads of jobs about but who you are selling to has a choice to buy what is on offer. They can easily say no as they can say yes.

KellyB

cosmicDolphin wrote:

To take this job would just be trading on other peoples misery, there are plenty of jobs around that would be more ethical and just as well or better paid. I believe in Karma so everything you do will eventually come back to you - don't take the job.

Mics_chick wrote:

One simple answer - No!!

There's no way I could feed off other people's misery by selling them highly dodgy loans even if I was in a financial mess...

heysuzy wrote:

Absolutely not!! I'd rather be poor and in debt than take advantage of vulnerable people. You might as well be stealing from blind people. I believe it's wrong, no matter what the reason!

JayD wrote:

No I would not take the job.
Struggling to live on benefits is already very hard and I could not increase their misery by 'selling' them a high interest debt.

Ok, I've quoted these people because they've all mentioned poor, vulnerable or misery.

Do you not realise you're maybe actually offending the people you're talking about?

I am in huge debt, I do have princliples and morals, yet I happen to work for a well-known home loan company.

I do not feed off the poor. I do not sell to vulnerable people. In fact, most people who do this job don't sell at all. These so-called vulnerable people in misery come to these companies for help. When the banks or other organisations aren't interested in them.

I'm not saying any of this just because I work for this company, I had the same beliefs before.

If there wasn't a market for it, there would be no companies like this.

I have never ever sold to someone. All my customers actively searched for this company in order to get a loan.

I'm not saying all companies are the same. I can only give you my experience of the company I work for.

Some facts for you:

I am not a debt collector. Yes, I collect money weekly from my customers but it is in no way forced. The customer agrees to the weekly call. If for some reason they can't pay for a week or two, they don't.

I lose money if my customers don't pay but I would never force money out of them

Yes, it is a very high interest rate. Common knowledge. But the customers know exactly what they are getting into. That interest rate does not change. If they don't make payments for weeks on end, they don't get charged. It is cash, convenience and no late repayment fees that make the rate high, amongst other things.

Some of my customers are pretty poor, monetary wise, but they thank companies like provident who provide this service. They know that if all goes wrong and they can't pay for a while, there are no charges added on. They won't be charged left right and centre....unlike other companies.

There is no hard sell. At all. Whatsoever.

The company I work for don't allow people to have "huge loans" either. Everything is based on what the customer can afford. Most of the complaints I get are because the customers are not allowed the amount of money they want!

I'm sorry to rant about this but I take offence when people think I'm some sort of traitor or low life because I'm trying all I can to keep my head above water. I am in no way whatsoever helping people into debt. It is their choice. It is their option entirely!
Yes, they will be in debt but they have decided they want the debt, I'm doing a service the customer wants.

I have a lot of customers who can't pay their full rate every week. I then lose money. Yes, it's annoying for me but I understand more than anyone how hard it is to keep repayments up when things come crashing down.

It's not an ideal job but it's not the worst I can think of either.

Dina_Dastardly wrote:

Whether you take the job or not depends on who you work for.

Most Jobs in this area of work are part of organised crime.
So it is from this point that I would be worried about taking on this type of work.
More often than not once you are in - then you are in. There is no getting out!
There is not much difference in working in this area as there is in selling drugs. Both are illegal and about trapping the vulnerable into contracts which they can never extracate themselves.

For my own safety there is no way I would ever consider taking a job of this kind.
So obviously my advise to you would be not to take this job, and to distance yourself as far from these people as possible.

I really don't understand what you're saying here.

From what I can gather, because I work for a home loan provider, according to you, I'm as bad as a drug dealer? :rotfl:
Hmmm, I happen to think otherwise.

I am in money trouble yet I am offended when I'm grouped into the term vulnerable or I'm in misery. I am not vulnerable. I'm of sound mind and can make my own decisions, thank you very much. As can most people.

This post may seem like I'm defending my company, and in a way I am. Because I believe that people make their own decisions. Yes, some people are mis-guided and get themselves in trouble but you only hear of the bad companies who hard sell and treat their customers unfairly. You don't hear from the customers who praise these companies for helping them out at a difficult time or for being understanding when they fail to pay.

So, would I take the job?

Yes. And not because I'm a lesser person than those with their morals, or those who think I might be scum for earning a living, rather than sitting on my !!!! all day gathering up all the benefits I can.

Just remember, you may have your morals and principles but just because someone doesn't have the same viewpoint, it doesn't make them a lesser person.

As someone once said to me: "The great thing about opinons is they differ"

GUMPO

I would take the job and do it badly.

Uh Oh Deja Vu:eek:

shamendave

dont touch it!!

your doubts already are a sign that it is not for you. i think taking the job would lead you to become blind to how desperate some people really are, perhaps including yourself as well.

why not try and seek a job which will not leave such a bad taste in your mouth? i know good job opportunities are scarce, but that doesnt mean you have to take anything thrown at you.

xx