Wonga are not very professional

custardy

Pollycat wrote: »

What a shocking thing to admit on a money-saving website! :eek:

I think you need a great big dollop of common sense and some serious financial training. :cool:

well it depends
It could be X was on sale this weekend and would save more than the Wonga costs
Not saying to use Wonga,however it is feasible if there is a large enough saving on something you would buy anyway

hillcats

If you cant afford it now, then you simply cant afford it !

OlliesDad

I guess this thread was destined to spiral into the "Wonga are evil" comments based on the usual press drivel about the high APR..

In some circumstances PDL are a good option.

Meteor

OlliesDad wrote: »

I guess this thread was destined to spiral into the "Wonga are evil" comments based on the usual press drivel about the high APR..

In some circumstances PDL are a good option.

Can't believe how many people were ready to pounce and stray away from the point I was making. I didn't expect or ask for a lecture!


PDL's are a service and obviously have a cost to them. #If# there were a regular necessity to use them it would be best for anybody to seek help.

ThumbRemote

hillcats wrote: »

If you cant afford it now, then you simply cant afford it !

Do you see the irony between that statement and having a 7-line signature about your mortgage?

JReacher1

ThumbRemote wrote: »

Do you see the irony between that statement and having a 7-line signature about your mortgage?

Looking at their signature they clearly can afford it!

They've paid off almost half the mortgage in 6 years. That's good going!

Plus I would argue that a mortgage is a different kettle of fish than a pay day loan for a none essential purchase. I'm surprised a moneysavingexpert expert like yourself can't see the difference!

custardy

JReacher1 wrote: »

Looking at their signature they clearly can afford it!

They've paid off almost half the mortgage in 6 years. That's good going!

Plus I would argue that a mortgage is a different kettle of fish than a pay day loan for a none essential purchase. I'm surprised a moneysavingexpert expert like yourself can't see the difference!

okay lets put a different slant on it
Im looking at new bikes (admittedly mine with be on 0%)
The new range is coming out,so its discount time on the 2013 ranges
So if I was the OP and found a bike but didnt have the funds
I could be paying £500+ later for the 2014 model

JReacher1

custardy wrote: »

okay lets put a different slant on it
Im looking at new bikes (admittedly mine with be on 0%)
The new range is coming out,so its discount time on the 2013 ranges
So if I was the OP and found a bike but didnt have the funds
I could be paying £500+ later for the 2014 model

I think these sort of purchases are more for credit cards than a payday loan.

Good scenario though

custardy

JReacher1 wrote: »

I think these sort of purchases are more for credit cards than a payday loan.

Good scenario though

Thats fine if you have access to one
I assume the OP doesnt

JReacher1

custardy wrote: »

Thats fine if you have access to one
I assume the OP doesnt

Yes but the OP said they were worried the wonga search would harm their credit file which implies that they have a reasonable credit file. If they do then they can get a credit card.