Door step lending - provident

Samsung_Note2

sourcrates wrote: »

its sometimes difficult to cover all the bases on a forum such as this, not all second hand goods are tat, obviously, I’m just saying things are not always as black and white as people like to think they are, yes some folk are irrisponcible in what they purchase, but there are usually reasons why they do the things they do, not always good reasons, but reasons non the less.

Having kids for instance, all there mates have the latest tech, they want it to, peer pressure can be horrible these days for some kids, the parents can’t afford it, so they go to BH, peace at home and school maybe worth more than knowing there been overcharged, it’s not ideal, but to me it’s understandable.

Just do what i've done this year when the kids say Dad my mate has a PS4 and i dont have anything to play with...my response "well pee off round there house and play there PS4 and while your there fill your self up on there pop and mince pies,oh and dont forget to see if any 1ltr Spirits are left unattended"

Oh ok so thats not quite true i spent best part of £600 on the little !!!!!!s...however a couple i know see BR as a status symbol,everything white goods/furniture/Mac book(s)/everything..is on the knock from BR and they both seem to think its normal to exchange the goods every 6 months for a newer model and normally more expensive.

Think last time we spoke about it they pay in the region of £900 a month..and these people dont/wont work and havent for as many years as i've known them.

Adamydb

If you have not received collections vidits to no fault of your own you need to complaint and check your creditfile as its been affected. Also you need to go to the financial ombudsman

tonycottee

sourcrates wrote: »

But what if your a single mum, 19, barely managing to scrape by on a zero hours contract job if shes lucky, or like most, on benefits, and you just don't have the money to buy a cot for your baby, as at present she`s sleeping on the floor, you have no friends or family you can turn to, and the social want your life history to get a crisis loan.

I would suggest she checks the FreeCycle sites or on Facebook. I see plenty of stuff available for free.

Judging by Brighthouse adverts, the people they attract are those that want new TV’s and kitchen appliances.

vacheron

sourcrates wrote: »

So poor people can’t have aspirations is that what your saying ?
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There’s lots of things you don’t really need, but that enhance people’s quality of life, tv, cooker, washing machine to me, are essential, not luxury items, have you actually seen the state of some people’s second hand goods ?
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Tarambor wrote: »

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Example: Playstation 4 slim 1TB with Fifa 18 game: £259 at Currys.

Brighthouse deal:
Product Price £559.79 (so it is already over twice what it costs in Currys)
Weekly payment £9.00
Delivery and Installation £0.00
Product Price Including Delivery & Installation £559.79
Number of weeks 130
Annual Fixed Interest Rate / Representative APR++ 99.9%
Total payable £1170.00

You have to be a completely financially braindead halfwit who shouldn't be allowed to be in control of their own money to use Brighthouse..................

I completely agree that poorer people should have aspirations:

aspire
əˈspʌɪə/Submit
verb
1.
direct one's hopes or ambitions towards achieving something.

However, the truth is those at Brighthouse are not "aspiring" to anything, they want instant gratification due to their inability to plan and their general lack of self discipline which is then cruelly exploited.

To use Tarambors PS4 example, If little Timmy must have a PS4 for Christmas and Mum/Dad have the £9 per week to pay Brighthouse each week, then had they truly "aspired" to buy it for him they could decided in June to put that £9 away and could have bought it from Currys in December.

The extra £911 they would have saved over the next 2.5 years could have bought him some fantastic presents in the 2-3 years to come, or perhaps a holiday for the whole family.

There is nothing wrong with "making do" with second hand goods while you save up for a new one (which you will then truly "deserve").

We moved into our house in 2010 and are still using the 20 year old "second hand" cooker the original owner left us.

It will get replaced along with the kitchen this year only because we have saved the money and so can afford to.

BrassicWoman

vacheron wrote: »

However, the truth is those at Brighthouse are not "aspiring" to anything, they want instant gratification due to their inability to plan and their general lack of self discipline which is then cruelly exploited.

Or because they have nothing happy in their life/ their life suffers the chaos that comes from wage instability. So they make what you consider a bad choice because there is little joy elsewhere and they just want something to feel normal.

Don't judge reasons and motives when you haven't been there. People with little money are great planners IME. Their motivations however are not the same as those of the wage secure, in a stable housing situation. You'd be amazed how that alters your priorities.

vacheron

BrassicWoman wrote: »

Or because they have nothing happy in their life/ their life suffers the chaos that comes from wage instability. So they make what you consider a bad choice because there is little joy elsewhere and they just want something to feel normal.

Don't judge reasons and motives when you haven't been there. People with little money are great planners IME. Their motivations however are not the same as those of the wage secure, in a stable housing situation. You'd be amazed how that alters your priorities.

I understand that a shiny new purchase can give a boost to an otherwise joyless situation. My reply was mainly in response to sourcrates considering using Brighthouse and similar is "aspiring" to something when in fact I consider it the opposite.

I also didn't "judge reasons and motives" as you suggested in my post unless you can show me something I have missed?

[Deleted User]

Tarambor wrote: »

A situation that isn't going to happen because apart from the fact they'll be getting £4500 a year in child benefit and child tax credit they can get a crisis loan from the DWP.

Crisis loans haven't existed for over 5 years now. If you are on means tested benefit you can get a budgeting loan, which is interest free, for essentials.

Contrary to what some people might think, TVs, PS4s and iPhones are not essentials.

System

BrassicWoman wrote: »

Or because they have nothing happy in their life/ their life suffers the chaos that comes from wage instability. So they make what you consider a bad choice because there is little joy elsewhere and they just want something to feel normal.

Don't judge reasons and motives when you haven't been there.

Well I can judge because I have been there, I'm still there. I do agency work so my wages are up and down like a yo yo and have been for a quarter of a century. I have never ever used Brighthouse or any sub-prime lender or pay day loan company. However what I have done is not had my first foreign holiday until I was in my 30s, ran round in sub £1000 cars for the first 25 years of my driving with £8000 on a 2 year old car being the most I've ever spent.

There is absolutely no situation in any way, shape or form where there is any reason at all to use Brighthouse other than stupidity. That is even more the case than it was when I was in my 20's and a young parent in the mid 90s because back then Facebook didn't exist neither did Gumtree or a whole plethora of sites which make finding cheap decent second hand stuff locally very easy.

poppy10_2

sourcrates wrote: »

So poor people can’t have aspirations is that what your saying ?

Because your poor, you have to make do with some old loves grimey cooker found in a skip off the high street and stuck on Facebook to flog.

There’s lots of things you don’t really need, but that enhance people’s quality of life, tv, cooker, washing machine to me, are essential, not luxury items, have you actually seen the state of some people’s second hand goods ?

I earn nearly £100k (my partner about the same) and half the stuff in our house was bought second hand - a fair bit of it freecycled.

You don't have to be poor to be sensible with money :money:

sourcrates

poppy10 wrote: »

I earn nearly £100k (my partner about the same) and half the stuff in our house was bought second hand - a fair bit of it freecycled.

You don't have to be poor to be sensible with money :money:

Wow £100k each eh, That’s frankly more money than I’ll ever see in my lifetime, but you have the choice to be that way, less unfortunates don’t have that luxury, as poorer people can feel excluded due to a lack of available money, I don’t suppose £20 means much to you, it might be the entire weeks food budget for some.