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| Quote ="Durham Giant"or maybe i just work with a lot of poor and vulnerable people with big financial problems which are exploited by dodgy loans companies
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Which is ultimately still their own choice.
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| Quote ="Wheels"Which is ultimately still their own choice.
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see the link in my last post. I would argue that the woman involved was incapable of making an informed choice.
Maybe it would be alright to say to the old woman who lives next door her roof needs fixing and i can do it for £2000. Does not really matter if i can do it for £250 as it is still ultimately her choice.
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| Quote ="Durham Giant"see the link in my last post. I would argue that the woman involved was incapable of making an informed choice.
Maybe it would be alright to say to the old woman who lives next door her roof needs fixing and i can do it for £2000. Does not really matter if i can do it for £250 as it is still ultimately her choice.'"
Ultimately, yes.
It still has nothing to do with Bradford though.
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| Quote ="Durham Giant"Football fans in more socially aware than rugby league fans shocker.'"
Were the same Newcastle fans outraged at their previous sponsor tying thousands of people into years (even decades) of negative equity with 110% mortgages that, ultimately, saw them go bust and require a huge taxpayer subsidy?
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
As I said, believe in people in freedom, or be against them and believe you should have the right to think for them.
One out of 1.8m. If that's all, they're one of the fairest organisations, whether private or state, ever in the world.
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
As I said, believe in people in freedom, or be against them and believe you should have the right to think for them.
One out of 1.8m. If that's all, they're one of the fairest organisations, whether private or state, ever in the world.
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| Quote ="bramleyrhino"Were the same Newcastle fans outraged at their previous sponsor tying thousands of people into years (even decades) of negative equity with 110% mortgages that, ultimately, saw them go bust and require a huge taxpayer subsidy?'"
I would guess that many of them did not really have grasp of the American mortgage industry when it was signed but they do know a dodgy British finance company when they see one.
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| Quote ="Richie"As I said, believe in people in freedom, or be against them and believe you should have the right to think for them.
One out of 1.8m. If that's all, they're one of the fairest organisations, whether private or state, ever in the world.'"
Your top post is quite correct, the second one quite pathetic, The Bulls sponsor isnt perfect, not many successful companies are, unfortunatly ' Beggars cant be choosers ' and as a sport we are the former, hopefully the media attention they are recieving will result in a more honorable business attitude from them
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| Leeds fans should be protesting about their sponsorship by the Leeds Building Society: An elitist financial institution, who more often than not refuse to help the needy and vulnerable, leaving them without financial products, unable to get a loan, whether until their next pay day, or to buy their kids christmas presents.
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| Quote ="Starbug"Your top post is quite correct, the second one quite pathetic, The Bulls sponsor isnt perfect, not many successful companies are, unfortunatly ' Beggars cant be choosers ' and as a sport we are the former, hopefully the media attention they are recieving will result in a more honorable business attitude from them'"
1 example out of 1.8m Starbug.
Do you consider them a worse company than the likes of Barclays, for lending to the people that Barclays won't?
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| Quote ="Richie"Leeds fans should be protesting about their sponsorship by the Leeds Building Society: An elitist financial institution, who more often than not refuse to help the needy and vulnerable, leaving them without financial products, unable to get a loan, whether until their next pay day, or to buy their kids christmas presents.'"
The LBS are not alone in that, essentially all the mainstream lenders follow the same ' rules of engagement ' they are all to blame for the financial crisis we are currently embroiled in, and ultimatly just as borrowers were stupid to think that taking on anything more than a 90% mortgage was a good idea, the blame for the Bulls financial collapse was the fans , ditto any club in money troubles is down to the fan bases unrealistic expectations
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| Quote ="Richie"1 example out of 1.8m Starbug.
Do you consider them a worse company than the likes of Barclays, for lending to the people that Barclays won't?'"
They are equally culpable, 4 years ago I requested my lender to reduce my mortage borrowing by 100 K, from 33% of 400K to 10% of 300K , they refused , I then rquested to change my borrowing to interest only, again they refused, that lender was Barclays, their refusal on both counts was completely ilogical , and could if I hadnt found another lender resulted in defaulting my mortgage and losing my home , I have little respect for any Bank
As I said, few if any successful businesses are squeaky clean, life rarely works that way, and again the attention they have recieved from the media will hopefully improve how they operate in the future, and just for the record, I've been involved in the double glazing industry for 25 years , so am very familiar with dishonest salesman/companies and stupid customers, anybody thick enough to believe that if you buy one, you get one free should not be let out of their homes unacompanied , unfortunatley there are millions who want to believe bollox like that , just as there are millions of very vunerable desperate people who ignore the consequences of borrowing what the can not afford
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
Have you actually watched the show?
I have. It's partisan in the extreme. It has an agenda which is "Payday lenders are bad and Provident are the worst of the bunch and target vulnerable people" and edits it's footage to support it's stance. There's a bit at the start where Peter Crook (possibly the worst name for someone taking up a career in finance ) who's the CEO of Provident appears on one of Provident's own promo videos. But the only footage used is him saying "We visit 1 in 20 homes in the UK every week" while an ominous bass beat plays in the background.
There's also some discontinuity with certain "facts" they put forward, especially round the high street payday loan companies. For one, they can't seem to agree on how long loan applications take. At one point it's 20 minutes then upon visiting the next one it's "and again we were in there for about an hour".
They then have their undercover reporter visiting customers with agents. One old lady, who the film desperately wants us to believe is incapable of looking after herself, has her personal hygiene commented on by the undercover reporter. I'm sorry, but I didn't realise that a lack of personal hygiene means you're incapable of dealing with financial commitments. In fact the old lady seems more on the ball about her loans than the agent was as she corrects the agent on both the total of the money she's given her and how much is being used against which loan.
All in all, it made Provident look less and less like some evil bogeyman, forcing people to take out more and more loans that some would have you believe. Very Michael Moore.
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
Have you actually watched the show?
I have. It's partisan in the extreme. It has an agenda which is "Payday lenders are bad and Provident are the worst of the bunch and target vulnerable people" and edits it's footage to support it's stance. There's a bit at the start where Peter Crook (possibly the worst name for someone taking up a career in finance ) who's the CEO of Provident appears on one of Provident's own promo videos. But the only footage used is him saying "We visit 1 in 20 homes in the UK every week" while an ominous bass beat plays in the background.
There's also some discontinuity with certain "facts" they put forward, especially round the high street payday loan companies. For one, they can't seem to agree on how long loan applications take. At one point it's 20 minutes then upon visiting the next one it's "and again we were in there for about an hour".
They then have their undercover reporter visiting customers with agents. One old lady, who the film desperately wants us to believe is incapable of looking after herself, has her personal hygiene commented on by the undercover reporter. I'm sorry, but I didn't realise that a lack of personal hygiene means you're incapable of dealing with financial commitments. In fact the old lady seems more on the ball about her loans than the agent was as she corrects the agent on both the total of the money she's given her and how much is being used against which loan.
All in all, it made Provident look less and less like some evil bogeyman, forcing people to take out more and more loans that some would have you believe. Very Michael Moore.
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| Quote ="William Eve"You might need to order more straw for future construction purposes after that effort.'"
So, we've established that you have no clue at all what a straw man is, OK, moving on . ..
Quote ="William Eve"Given the price of season tickets the Bulls had been flogging over the past few seasons, it's clear the previous administration had all those E demographics in mind as C1/C2 and D were abandoning the club in droves due to the lack of on-field success. '"
Please, you're cracking me up. Oh Lord. I see. Your "argument" is that the successful Bulls were followed by C1/C2 and D punters. These, presumably, only like success. Then when these all "abandoned the club in droves", the club cunningly managed to replace 10.000 C1/C2 and D fans with 10,000 E fans. Who never came before, and are presumably too stupid, in your view, to care about the fare on the field, so long as it is cheap!
Did I miss anything?
Well, that is as funny a crackpot proposition as I can remember, so well done for that at least!
Quote ="William Eve"My only surprise is they didn't prey on the vulnerable by offering those £60 season tickets via a credit loan scheme and an APR of 499% payable over 36 months. At least that way, it'd only cost the E's a tenner a month as they pay around £360 for a £60 season ticket loan. Provident Financial will sure as hell show them how it should be done instead.'"
Are you really this stupid, or is it all just for effect?
A £60 loan @ 499% APR over 36 months would be £24.95 a month, not a tenner, and would costs £898.20, not £360.
Quote ="William Eve"Good luck with in getting more sponsors onboard. Cash Converters, Money Shop and Poundland might be interested now...'"
And if they did, your problem with these businesses is what, exactly? Poundland, for example, is a profitable business with UK sales of around £650m which one survey said 99% of its customers would recommend. As I said, you're just a snob.
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
And there we have it.
Like who? The "state"?
That, ultimately, would seem to be the fiundamental difference between the likes of you and the likes of me. You would seem to want "the state" to make a lot more of the decisions for people. I would not.
But, as I have said before, there is no such thing as these amorphous concepts siuch as "the state" or "capitalism" (or "socialism " or Communism" for that matter) if by which we mean something that can drive people's behaviour (Mao made the same mistake), or indeed "society", as the woman so despised by the left once said and was (deliberately) misrepresented and misconstrued by the metropolitan elite left (I wonder why?). These are all impersonal concepts. It is PEOPLE who represent all these things, and PEOPLE who do both good things and bad things in their names. And you would clearly seem to want one - invariably elite - group of people making the decisions for others. Same as we saw under the badly-failed "communist" system where, when you looked through the window, between the pigs and the men you could no longer tell the difference.
If not, just who DID you want to make the decisions for her? And what OTHER decsions would you have them make? And by what right would they make those decisions? And how would you justify the removal of an individual's right to free will? Where would it stop? Where would you draw the line? Maybe rather than be obliged to watch the party congress propaganda, as even the BBC reports is currently the case in China, people would be obliged to go watch their local RL team? Which some might think another splendid idea since it solved what they perceived as a major issue in "society" - until maybe you discovered that you were a Shudds fan living in the area assigned to Bradford and still had to attend...
Maybe we should put high fences down every road, so no-one could take a wrong decision and walk into the road without seeing there is a bus coming? That would solve a problem that kills or maims thousands every year, for sure. But tell me: why do we not hear a clamour for THAT example of protecting people from themsleves? Where is the TV special about THAT? Is it because maybe we expect people to have at least SOME responsibility for their actions? If so, could you perhaps list out those actions an individual IS held responsible for, and those that he or she is deemed unable to be trusted with responsibility for? And indicate whether that applies to everyone, or everyone except the self-appointed metropolitan elite who clearly CAN be trusted with responsibility for their actions? Or what other criteria you would use to decide who could and who could not be trusted to e.g. boil a kettle without risk of scalding, or buy a lottery ticket (why are you not screaming at the Lotto ads or the scratchcard sellers??) without due care and attention? Orwell would have the answer to that, I think?
Or would you regulate the life out of the "economy" (another of those amorphous concepts - better again to say "people"icon_wink.gif in a vain hope that the "state" can control everything indirectly? And again, what elite would make the regulations, and police them and enforce them? Orwell would have the answer to that too.
And anyway how, precisely, would you protect her from the unregulated loan sharks who would fill the void, and who most certainly would NOT be ones you would want making ANY kind of decsions? You can regulate or repress all you like, but you cannot fully repress human nature. And some of those humans (term applied loosely) are not nice people at all.
And with BBC news and current affairs currently in crisis, and standing accused both of seeking to wrongly label someone a paedo (and costing the DG his job in the process) whilst having for years seemingly covered up the fact that one of their own fraternity WAS a serial paedo, I hardly think they are in ANY position to take the moral high ground right now - even if their report WAS in any way balanced and impartial.
In all such matters, I think people feeling very strongly sometimes need to be careful what they wish for.
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Quote ="Durham Giant"Maybe i think that clever people take advantage of vulnerable people. Maybe i think about what i post rather than just have an opinion.
this woman maybe needed someone other than Provident sales reps to think for her.
www.bbc.co.uk/news/business-19748048'"
And there we have it.
Like who? The "state"?
That, ultimately, would seem to be the fiundamental difference between the likes of you and the likes of me. You would seem to want "the state" to make a lot more of the decisions for people. I would not.
But, as I have said before, there is no such thing as these amorphous concepts siuch as "the state" or "capitalism" (or "socialism " or Communism" for that matter) if by which we mean something that can drive people's behaviour (Mao made the same mistake), or indeed "society", as the woman so despised by the left once said and was (deliberately) misrepresented and misconstrued by the metropolitan elite left (I wonder why?). These are all impersonal concepts. It is PEOPLE who represent all these things, and PEOPLE who do both good things and bad things in their names. And you would clearly seem to want one - invariably elite - group of people making the decisions for others. Same as we saw under the badly-failed "communist" system where, when you looked through the window, between the pigs and the men you could no longer tell the difference.
If not, just who DID you want to make the decisions for her? And what OTHER decsions would you have them make? And by what right would they make those decisions? And how would you justify the removal of an individual's right to free will? Where would it stop? Where would you draw the line? Maybe rather than be obliged to watch the party congress propaganda, as even the BBC reports is currently the case in China, people would be obliged to go watch their local RL team? Which some might think another splendid idea since it solved what they perceived as a major issue in "society" - until maybe you discovered that you were a Shudds fan living in the area assigned to Bradford and still had to attend...
Maybe we should put high fences down every road, so no-one could take a wrong decision and walk into the road without seeing there is a bus coming? That would solve a problem that kills or maims thousands every year, for sure. But tell me: why do we not hear a clamour for THAT example of protecting people from themsleves? Where is the TV special about THAT? Is it because maybe we expect people to have at least SOME responsibility for their actions? If so, could you perhaps list out those actions an individual IS held responsible for, and those that he or she is deemed unable to be trusted with responsibility for? And indicate whether that applies to everyone, or everyone except the self-appointed metropolitan elite who clearly CAN be trusted with responsibility for their actions? Or what other criteria you would use to decide who could and who could not be trusted to e.g. boil a kettle without risk of scalding, or buy a lottery ticket (why are you not screaming at the Lotto ads or the scratchcard sellers??) without due care and attention? Orwell would have the answer to that, I think?
Or would you regulate the life out of the "economy" (another of those amorphous concepts - better again to say "people"icon_wink.gif in a vain hope that the "state" can control everything indirectly? And again, what elite would make the regulations, and police them and enforce them? Orwell would have the answer to that too.
And anyway how, precisely, would you protect her from the unregulated loan sharks who would fill the void, and who most certainly would NOT be ones you would want making ANY kind of decsions? You can regulate or repress all you like, but you cannot fully repress human nature. And some of those humans (term applied loosely) are not nice people at all.
And with BBC news and current affairs currently in crisis, and standing accused both of seeking to wrongly label someone a paedo (and costing the DG his job in the process) whilst having for years seemingly covered up the fact that one of their own fraternity WAS a serial paedo, I hardly think they are in ANY position to take the moral high ground right now - even if their report WAS in any way balanced and impartial.
In all such matters, I think people feeling very strongly sometimes need to be careful what they wish for.
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| Quote ="William Eve"Given the price of season tickets the Bulls had been flogging over the past few seasons, it's clear the previous administration had all those E demographics in mind as C1/C2 and D were abandoning the club in droves due to the lack of on-field success.'"
What a dumb, dumb statement. You cannot be for real. You MUST be a wind-up?
But if perchance you ARE being serious that is anyway strange, since I bought two season tickets when otherwise I would have bought one. And by most measures I would be in the A/B demographic (although the A-E demographic classification is IMO simplistic and often-insulting anyway).
And equally strange, I know quite a few other people in the A/B/C demographics who did similar. But heigh-ho.
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| Quote ="Adeybull" SnipAnd there we have it.
Like who? The "state"?
That, ultimately, would seem to be the fiundamental difference between the likes of you and the likes of me. You would seem to want "the state" to make a lot more of the decisions for people. I would not.
Snip.'"
So there we have it you think it is OK for companies to take advantage of Mentally ill people and that the state should not be there to regulate or protect the vulnerable.
You think everything is about personally responsibility and reduce the states role.
Well at least we see your true principles which is you have very few. You are just Tory Bull this is the second time you have defended Margaret Thatcher despite me being very accurate about the quote she made.
That is why i am interested in this debate because it is about a battle of ideas.
Unfortunately the Tory ones you espouse are winning , cuts to the welfare state and if my team get some money out of a dodgy company then fine.
I hear Peter Rachmans companies my be looking to provide sponsorship too.
I hope the decent Bradford Bulls fans read your reply and challenge it.
Dont advertise Provident.
At least you are not one of the Badford sheep i give you credit for understanding the politics of it all i just think your free market Tory politics stink.
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| Quote ="Durham Giant"So there we have it you think it is OK for companies to take advantage of Mentally ill people and that the state should not be there to regulate or protect the vulnerable.
You think everything is about personally responsibility and reduce the states role.
Well at least we see your true principles which is you have very few. You are just Tory Bull this is the second time you have defended Margaret Thatcher despite me being very accurate about the quote she made.
That is why i am interested in this debate because it is about a battle of ideas.
Unfortunately the Tory ones you espouse are winning , cuts to the welfare state and if my team get some money out of a dodgy company then fine.
I hear Peter Rachmans companies my be looking to provide sponsorship too.
I hope the decent Bradford Bulls fans read your reply and challenge it.
Dont advertise Provident.
At least you are not one of the Badford sheep i give you credit for understanding the politics of it all i just think your free market Tory politics stink.'"
I've read both Adey's response and yours. If anyone's a sheep, it's you for bleating the same argument over and over again despite being corrected on points which you fail to acknowledge.
Everything is about personal responsibility. It's just people have been brought up to believe there's no such thing.
Had an accident? Sue someone. That's not a personal responsibility.
Also, at what point does Adey defend Margaret Thatcher? I've read his response and there doesn't seem to be anything there in his last response. Please enlighten me as to which bits are defending Margaret Thatcher and why.
Clearly, you've not watched the Panorama programme and are just riffing off what you've heard about it ie it shows Provident's lack of care when giving out loans and how they target vulnerable people. Which isn't the case, though they do try and push that idea to the forefront.
I have watched it and I've made a number of notes about the production and what little tricks of editing and other slight of hand they use to make an unbalanced argument.
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| What makes a payday loans company worse than a gambling or beer company? Or as Starbug points out, a double-glazing firm?
My gran was nearly ripped off by Everest a couple of years ago. Are they unsuitable to sponsor a rugby league club?
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| i wouldn't mind ron jeremy's name emblazoned across the LSV as long as he payed for the pleasure
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| Quote ="Him"What makes a payday loans company worse than a gambling or beer company? Or as Starbug points out, a double-glazing firm?
'"
Leaving aside the fact that Provident is hardly a "payday loans" company (I wonder how many of the vitriolic attackers on here actually know what its business encompasses?) the answer is, of course, obvious: worse because it is Bradford they are sponsoring.
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| Quote ="j.c"i wouldn't mind ron jeremy's name emblazoned across the LSV as long as he payed for the pleasure'"
"Leigh Centurions - The Big Swinging D[ii[/icks of Rugby League"
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| Quote ="Durham Giant"So there we have it you think it is OK for companies to take advantage of Mentally ill people and that the state should not be there to regulate or protect the vulnerable.
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If that is meant to be relevant to the thread,
(a) any "contract" made with a mentally ill person who was in no fit state is legally not a contract at all. I don't [ithink[/i you are suggesting that that is how Provident try to make their money but plainly it wouldn't work.
(b) The state is there to regulate and protect, which is why Provident's business is (heavily) regulated and people who do business with it have the benefit of those protections.
Quote ="Durham Giant"Unfortunately the Tory ones you espouse are winning , cuts to the welfare state and if my team get some money out of a dodgy company then fine.'"
I am against many of the cuts, and especially the appalling approach to some benefits, but Provident has been around a long time, and even you wouldn't suggest that it is provident that is responsible for government cuts.
In terms of personal responsibility, millions of Provident customers seemingly exercise it by doing business with that company. Would you ban them? Or it? No doubt at all (as with every company) there will be cases where Bad Things Happen but they do with cars, and you don't suggest banning them.
What you are really saying is that YOU know far better than the millions of people who have done business with Provident (and are seemingly satisfied with the service); YOU know they are all weak, vulnerable fools who YOU would have protected by making it impossible for them to do business with Provident. Because YOU know better.
You don't mention what else those customers who loaned money should have done instead, (maybe had a lecture from you on personal responsibility, and told to jolly well rein their spending in till they can afford things) but of course you don't actually care about them.
Quote ="Durham Giant"I hear Peter Rachmans companies my be looking to provide sponsorship too.'"
Emotive and irrelevant bollox, even by your standards.
Quote ="Durham Giant"Dont advertise Provident...At least you are not one of the Badford sheep ...
'"
You see, this is just it, you see those who buy shirts the same way as you see those who do business with Provident. They are the "sheep", blindly borrowing money to buy overpriced shirts they have no business affording, and you would be their much-needed shepherd, to save them from themselves by prohibiting such activity, but they are so dissolute and so far gone that they are beyond your benevolent help. Your horse has got so high, you can't get off it.
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| Quote ="Durham Giant"So there we have it you think it is OK for companies to take advantage of Mentally ill people and that the state should not be there to regulate or protect the vulnerable.
You think everything is about personally responsibility and reduce the states role.
Well at least we see your true principles which is you have very few. You are just Tory Bull this is the second time you have defended Margaret Thatcher despite me being very accurate about the quote she made.
That is why i am interested in this debate because it is about a battle of ideas.
Unfortunately the Tory ones you espouse are winning , cuts to the welfare state and if my team get some money out of a dodgy company then fine.
I hear Peter Rachmans companies my be looking to provide sponsorship too.
I hope the decent Bradford Bulls fans read your reply and challenge it.
Dont advertise Provident.
At least you are not one of the Badford sheep i give you credit for understanding the politics of it all i just think your free market Tory politics stink.'"
You must have been gutted at the fall of communism.
If people can't take responsability for their own actions then that's their problem.
I will buy my shirt and wear it with the sponsor proudly emblazoned on the front.
Thank you Provident for supporting my team.
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| There is another side to this matter than Provident taking advantage of the vulnerable.
There are a number of postcodes here on Merseyside where banks will not lend money to people living in those areas. People with one or two working in the household can't get a loan. Provident will lend to those people.
Banks won't lend to people who have had a credit problem such as CCJ's etc., Provident will lend to them. If you have had adverse credit a well run loan from Provident can help in improving one's credit status.
Yes, Provident charge massive interest rates. However, if a loan over runs the client still pays the original agreed interest and no more.
The idea that provident only "prey" on the vulnerable is not true. They are a valuable source of loans for people who otherwise cannot gain access to credit for various reasons, often through no fault of their own.
BTW I do not work for Provident nor ever have.
As far as I'm concerned Bradford have themselves a very good sponsor. A local company with a national customers base. £1.2m over four years is excellent.
This is such good news really compared to where we were with the Bulls earlier this year. I look forward to visiting the Provident Stadium when Wigan play there next season.
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| thats the problem, provident will lend to anybody,like the collector's said once we have them we don't let them go, so good look to Bradford Bulls, and thank god there is plenty of poverty struck people in England to exploit, so the bulls can brag about all the money they will be raking in, in this record breaking sponsorship, what ever people think about the sponsorship, it will never chang some peoples minds about it so long as its benefit's there club
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