QuickQuid Taking money from my account unlawfully

opinions4u

worried48 wrote: »

When you are poor already, things cost more, that's just how it is. Those who most need cheap credit can only get ludicrously expensive credit

The last thing the "poor" need is credit at any price. Cheap, expensive or PDL price.

andy.m_2

Well it looks like the OP has taken a big step in the right direction with the national debt helpline. Fair play to him for that.


To those people who are unimpressed with certain responses that get given in (the literally hundreds of!) threads like these:
The advice given is more often than not correct, it may be delivered with an iron fist but over time it has been shown that to dress it up as, "you poor thing, they are such meanies, yes you have been defrauded" has not been in the slightest bit helpful, to give someone a metaphorical shake and a bit of a slap often helps them to see the light.

Joe, the above was not aimed at you, but all too often we get people asking why these "thieves" have "stolen my money" and I'm going to "ring them" in the morning, or if that doesnt work i'll send an "email". Sometimes love needs to be tough for it to be effective.

Apples2

Crikey, worried got out of bed on the wrong side this morning!

Nobody owes us a living. Can't afford cavity wall insulation, put a jumper on. Can't afford to run a car, find an alternative (like the old days or people who have been banned have to do)

In what way should we be given wads of cash we don't have to repay so we can maintain our chosen standard of living?

worried48

opinions4u wrote: »

The last thing the "poor" need is credit at any price. Cheap, expensive or PDL price.

O silly me, of course the poor don't need petrol, heating, food and so on like the rest of you do. If they can't get to that job interview they can just stay at hoem on benefits until they lose those for not attending interviews. If they don't get the job because they can't afford anything suitable to wear then they can stay on benefits. If they have to cover a couple of months between jobs then no doubt losing a few stone will be good for them.

worried48

Apples2 wrote: »

Crikey, worried got out of bed on the wrong side this morning!

No, she didn't, she has just realised after 30 years of living in poverty that it isn't always as simple as those of you who have no idea what money worries are seem to think it is, that's all. Budgeting depends on security of income and that depends on security of employment, doesn't it?

Nobody owes us a living. Can't afford cavity wall insulation, put a jumper on. Can't afford to run a car, find an alternative (like the old days or people who have been banned have to do)

I confess many years ago when the petrol ran out because I could only ever put the minimum amount in, I rode to the petrol station on a horse, carrying a petrol can. It wasn't my horse, I hasten to add. And it did cause some considerable amusement. My arthritis is such now that I couldn't even get on a horse (and before you make assumptions, no I do not have a new car on motability, I do get higher rate mobility allowance but I need the money!)

In what way should we be given wads of cash we don't have to repay so we can maintain our chosen standard of living?

Wads of cash? You really have no idea, do you? Still, one thing about the itnernet, people say what they think. I guess this is what my rich friends think of me and say about me when I am not there. Nice to know that.

opinions4u

worried48 wrote: »

O silly me, of course the poor don't need petrol, heating, food and so on like the rest of you do. If they can't get to that job interview they can just stay at hoem on benefits until they lose those for not attending interviews. If they don't get the job because they can't afford anything suitable to wear then they can stay on benefits. If they have to cover a couple of months between jobs then no doubt losing a few stone will be good for them.

Are you replying to a completely different post?

Or do you think it's sensible that people borrow £300 one month so that they can have £400 less the following month?

dealer_wins

opinions4u wrote: »

Are you replying to a completely different post?

Or do you think it's sensible that people borrow £300 one month so that they can have £400 less the following month?

Exactly the point.

If someone can barely afford to get by on their income level, taking out ANY loan is going to be the thing that takes them over the edge financially come repayment time.

And if we are talking about feeling sorry for yourself for being poor in the UK, go to china for a year and live with oneof the millions of real poor families, and on your return you will think that living on benefits in the UK is paradise!!

worried48

opinions4u wrote: »

do you think it's sensible that people borrow £300 one month so that they can have £400 less the following month?

Of course it's not sensible but sometimes it might be necessary. That's what a lot of you don't seem to understand. Perhaps your car won't go and you have no other means of getting to work and you've used up all your sick days. Perhaps you sell things on the internet and post them and have hundreds of pounds which you can debit from people's cards once you post these items, but you are only allowed to do that 24 hours before you post the items and you have no money to pay the postage (that almost happened to us a couple of weeks ago and would have done if I hadn't taken out a payday loan for six days). Perhaps (though it would be more than £300) you have a veterinary emergency with your dearly loved pet and the emergency vets won't even let you in the door until you have paid them in cash (this happens - often - with a particular night vets chain) and so on.

DCFC79

worried48 wrote: »

Of course it's not sensible but sometimes it might be necessary. That's what a lot of you don't seem to understand. Perhaps your car won't go and you have no other means of getting to work and you've used up all your sick days. Perhaps you sell things on the internet and post them and have hundreds of pounds which you can debit from people's cards once you post these items, but you are only allowed to do that 24 hours before you post the items and you have no money to pay the postage (that almost happened to us a couple of weeks ago and would have done if I hadn't taken out a payday loan for six days). Perhaps (though it would be more than £300) you have a veterinary emergency with your dearly loved pet and the emergency vets won't even let you in the door until you have paid them in cash (this happens - often - with a particular night vets chain) and so on.

Thats why its suggested you set up another account and set up a standing order for a monthly amount to cover any unexpected expensive repairs/fixes/vet fees etc.

opinions4u

worried48 wrote: »

Of course it's not sensible but sometimes it might be necessary. That's what a lot of you don't seem to understand. Perhaps your car won't go and you have no other means of getting to work and you've used up all your sick days. Perhaps you sell things on the internet and post them and have hundreds of pounds which you can debit from people's cards once you post these items, but you are only allowed to do that 24 hours before you post the items and you have no money to pay the postage (that almost happened to us a couple of weeks ago and would have done if I hadn't taken out a payday loan for six days). Perhaps (though it would be more than £300) you have a veterinary emergency with your dearly loved pet and the emergency vets won't even let you in the door until you have paid them in cash (this happens - often - with a particular night vets chain) and so on.

That's why I said to budget better.

I did explain it.

And if you're so hard up, don't buy a pet. That's silly.