Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: Varche on 01 March 2013, 13:39:36

Title: Payday UK loans
Post by: Varche on 01 March 2013, 13:39:36
I keep seeing an advert on British TV for these nice folk.

I never quite get the detail but it is something like :

Need a loan,

2610 15%

Is the 2610 when you have to pay it back by?  ;D ;D
Title: Re: Payday UK loans
Post by: Rog on 01 March 2013, 13:49:21
Its actually 2510.15% APR   :o

Absolute robbery of course, but there are some companies charging over 4,000%.

In days gone by this used be called "usury" and was illegal. If someone is short of cash, taking out one of these loans is the last thing they should do. Bank of England base rate is 0.5% ! 
Title: Re: Payday UK loans
Post by: Andy B on 01 March 2013, 13:58:59
...... Bank of England base rate is 0.5% !

But will  they lend to those that actually need it?
Title: Re: Payday UK loans
Post by: STMO123 on 01 March 2013, 14:12:15
...... Bank of England base rate is 0.5% !

But will  they lend to those that actually need it?
Yeah. The banks.
Title: Re: Payday UK loans
Post by: Varche on 01 March 2013, 14:19:10
Its actually 2510.15% APR  :o

Absolute robbery of course, but there are some companies charging over 4,000%.

In days gone by this used be called "usury" and was illegal. If someone is short of cash, taking out one of these loans is the last thing they should do. Bank of England base rate is 0.5% !

I knew that! ;D ;D The figure is so astronomical at 2610.15% that it looks like it is 15%.

It is a sign of the times. All you need to do is look at the adverts on TV to see where the money(and profit) is. Car insurance is another example. If margins were tight there wouldn't be any cash to flash on expensive TV campaigns.
Title: Re: Payday UK loans
Post by: omega3000 on 01 March 2013, 14:26:52
Thats all there is on the high street now , payday lenders and charity shops ..oh and poundland  :( Bought a nice pair of shoes from the charity shop especially for a wedding , me dad called them dead mans shoes  :( they are italian leather and very comfy for £3  :)
Title: Re: Payday UK loans
Post by: Rog on 01 March 2013, 14:29:29
Thats all there is on the high street now , payday lenders and charity shops ..oh and poundland  :( Bought a nice pair of shoes from the charity shop especially for a wedding , me dad called them dead mans shoes  :( they are italian leather and very comfy for £3  :)

SWMBO is a big fan of Charity Shops. She got a jacket other day for £10, £300 on eBay second hand  :y