QuickQuid Taking money from my account unlawfully

worried48

DCFC79 wrote: »

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.

A good idea, no doubt (as is having a credit card that you reserve only for use in emergencies). The difficulty is getting ahead enough to be able to do that in the first place.

As it happens, I am part of what I shall call a management committee (it doesn't matter what exactly it is) of an organisation which owns a house. We have a tenant in there, we were particularly begged to take the said tenant by a friend of the tenant who was well known to us, the tenant has financial problems and it was a tenancy where the rent was partly paid by housing benefit (tenant gets the maximum housing benefit but the house is too big for the family's needs so the HB does not cover all the rent). It was only ever going to be a six month tenancy and now we need the house back but the tenant has no deposit for a new tenancy until we refund the deposit for this one, and we are not supposed to do that until the house has been vacated and checked. It's hundreds of pounds. My inclination, having sympathy with this person, is to take a chance on it, check the house now and give the deposit back, but of course we should not do that. This person will only need the money for a few days and two payday loans would cover it. As it happens, three of the management committee would be very well able to help this tenant out, but as it is, they are taking the line that it's tenant's problem and tenant should immediately apply for council housing. Personally if I were in that situation that is exactly what I would do - the rent would be lower - but it's interesting that the other members of the management group would not want to live in the council houses in the area. (Yes this paragraph is a digression but the situation is much on my mind right now) Most of the rich simply have no idea what it is like to be poor.

worried48

opinions4u wrote: »

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.

Has it not occurred to you that people's cicumstances can change after they buy that pet?

Mara69

DragonKnight wrote: »

I have to say that without a doubt this is so far the best response I have come across yet! Well said!

Well, you would say that, wouldn't you as it backs up your point. However, it is actually a crap post. Opinions4u is quite right - budget properly and you'll never need to use PDL companies again.

If I, and I suspect, many like me, run into unexpected financial difficulties I can access money without resorting to an expensive PDL.

worried48

Mara69 wrote: »

If I, and I suspect, many like me, run into unexpected financial difficulties I can access money without resorting to an expensive PDL.

But not all of us can, that's the whole point!

opinions4u

worried48 wrote: »

Has it not occurred to you that people's cicumstances can change after they buy that pet?

Yes.

If they can afford a pet they can afford to budget better.

worried48

opinions4u wrote: »

Yes.

If they can afford a pet they can afford to budget better.

Well I suppose one could get rid of one's children as well, after all they are expensive, far more expensive than a pet.

opinions4u

worried48 wrote: »

Well I suppose one could get rid of one's children as well, after all they are expensive, far more expensive than a pet.

Well if you have children the need to budget better is even more important.

I am being deliberately awkward here.

But financial difficulty can be avoided or deferred with a sensible approach to budgeting, spending and saving. Even when times are hard.

worried48

opinions4u wrote: »

Well if you have children the need to budget better is even more important.

I am being deliberately awkward here.

But financial difficulty can be avoided or deferred with a sensible approach to budgeting, spending and saving. Even when times are hard.

Yes you are indeed being deliberately awkward.

As for budgeting better, saving, yes, no doubt, IF you EVER have a point in life where you can get ahead enough to do that. Some never do.

opinions4u

worried48 wrote: »

As for budgeting better, saving, yes, no doubt, IF you EVER have a point in life where you can get ahead enough to do that. Some never do.

Made harder by prioritising pets ahead of budgeting I suppose.

worried48

opinions4u wrote: »

Made harder by prioritising pets ahead of budgeting I suppose.

Indeed - as with children. After all, if you put your children up fro adoption you'd save an awful lot of money.

For some of us our pets are part of our family and are simply non-negotiable. We don't dump them just because times are hard.