So Glad I found this site in time

[steven4064]

Brighthouse are a High Street shop all over the country specialising in selling home goods on hire purchase to people who can't get credit elsewhere. So guess what? They rip off poor people. We just sued them and won.

[Ell-enn]

Steven, thanks for that - forewarned is forearmed as they say....... I'll know where to come if need be.

 

Well done with your win against BH - that's fantastic. It fails my understanding as to how these people get away with it......

 

P.s. This morning I persuaded my little local Post Office to allow a CAG poster on the wall near the counter - is there a template for one anywhere or shall I just make one up?

 

Given that people on benefits are liable to be vulnerable to debt problems - the queue in po's is probably a good place to get message across. (I'm probably telling you something you already know - but I'm new on here so be gentle with me!)

[steven4064]

Ell-en

 

No template I'm afraid, you'll have to make one up.

[sosumi]

A CAG Poster is a great idea - if A4, easily printed out. I'd certainly approach the local post office and library with them, anything to let people know they're not alone dealing with these head-monsters!

Local library would be ideal, as they have computers with Internet access. Hope someone could design one!

[Ell-enn]

Steven / Sosumi, After my first post on this thread I did a poster for our notice board in the canteen (which is why I'm a bit busy with questions to all of you at the mo) but it was done under our employee welfare notices. I'll cobble something similar from that for the p.o.

[Ell-enn]

By the way Sosumi, great idea about the libraries and their having internet access.

[medsec]

I don't know about pounds till payday, but I have a small debt with the Money Shop - they do a thing called cash till payday. I was living month to month and unable to feed my daughter, so I ended up cashing cheques like this. Thing is, the interest is HUGE! And once you start, you can't keep up..... I'm paying their DCA 10 quid a month at the moment.....

[Ell-enn]

Medsec, they just shouldn't be allowed to charge such extortionate rates of interest - it's shocking. There should be more legislation to cap the rate of interest that can be charged - if only to stop people already in debt getting into a worse situation.

[sosumi]

If you could do the poster Ell-enn, and it gets the okay here, I'm sure libraries would take them. It does seem like the best place, thinking about it. Most if not all libraries have free Internet access now.

[Ell-enn]

I'll have a go on Monday - I've got a desktop publishing set and printer at work (I do all the company newsletters), and post it when done.

 

Going back to Pounds Till Payday - they're registered as Northway Finance in Malta - anyone know how that will affect their chasing/enforcing the debt in UK?

[sosumi]

Any 'payday' type loans are right at the bottom of the cess-pit as far as I've seen, and 375% interest is at the lower end of some examples. They're glorified pawnbrokers, thugs in suits, specialising in exploiting people in the most vulnerable situations. They know it, that's how they get away with it. When (hopefully not 'if', but when) the DCAs have retreated, these life-wreckers will be next. They love poverty and desperation. How sick is that?

[Goldlady]

I am so glad I have always given my staff a 'sub' if they are having problems - even if it left me short. That's what used to happen in the olden days before these parasites started up.

[Ell-enn]

Goldlady - I hope your staff know how lucky they are to work for you and give you the appreciation you deserve.

[Goldlady]

Well mostly apart from the one who said she had another job, got her week's notice pay and then turned up the following Friday asking for her wages as the other job had fallen through:confused: even though she had not been seen all week!!

[Ell-enn]

You've gotta luv em haven't you - where do they get the nerve. The one thing I've learned being in an HR job for so long - just when you think you've seen it all - they come up with something that takes your breath away. Admittedly its sometimes funny--- but mostly it just beggers belief!! Ah well, all in a days work as they say.

[Rooster-UK]

Ell-enn.

 

Checked your emails.

I have sent you a PDF file of the flyer that I produced for the noticeboard at work.

 

Rooster.

[NitrousOxide]

I've a feeling a donation will be coming CAG's way very soon...............

Good on you and you've given me an idea.

I haven't claimed charges back but have been successful at having some debts written off.

When I go back to work, a percentage of the amount written off will be donated.