Toonpack

Number one example - requesting and/or paying a DD early breaks BACS rules, banks cannot do it. IF they did they broke the rules. Also how could Wonga empty his account ?? seriously. Number two example - banks run their debits before they run their credits at start of day, a payment requested at 6.00 a.m. is irrelevant it will have been processed for payment the next day by the payee and the time of the debit transaction will have been "stamped" by the banks clearing system. The debits before credits is a great scam for the High Street banks btw because even if you paid in money before banking hours started to cover a debit coming out they'd still refuse the debit, hit you with a refused DD charge and THEN process the credits - they all do it and I wonder why ???. Look for complaints about high street banks Parky, you'll find as many.

Tidied

Not at all, please feel free to repudiate what I've stated, with facts, and I'll listen. Fail to see what it is I've said that's inflamatory in any way tbh

Utter rubbish, they impose charges with impunity and when you do need help they tell you to do one, irrespective of any years of history you may have had of being a "good customer". Many years ago I was deep in the crap (involved in litigation as the plaintiff, which I eventually won - YAY!!) and I have seen the "caring side" of banks and other organisations first hand. What percentage of Wonga customers use roll-over from other similar lenders compared to customers who may use them as a short term bridging service. If you can't provide the facts it's just supposition on your part and my question remains: where's the pressure come from that creates the need to bridge ??

And who creates the pressure where they need to do that ?? Why did credit card companies, regularly and unrequited increase customer credit limits and get folks to transfer balances etc etc. How can high street banks authorise a debit card transaction that puts someone £1.75 overdrawn and then charge them £30 unauthorised overdraft fee, debited immediately, to the account (as happened to my son a couple of years ago). btw when he challenged it the local bank blokey he said there was nowt he could do and he should consider himself lucky as there was another customer who'd been out of the country for 3 months who'd miscalculated and her bank charge bill had hit the account and put her O/D and he was trying (without luck so far) to get "head office" to agree to waive the several hundred pounds in charges that had rolled in.

Spot on ... and other organisations like the Rock

Well, that was informative. No answer, so resorts to swearing, how splendid.

How so? please illuminate me (if it doesn't involve aliens)

Check out my post above, APR is just not relevant, these are short term loans (31 days max)

They provide a service to people who appreciate it: From the comments in the link PL posted: "There is nothing immoral about Wonga or any similar company. Their terms are clearly expressed and they are there for exactly what they say, a short term loan. if people need a longer term loan then they are stupid to use Wonga or the like for this. I have used them a number of times between pay days and am more than happy with service provided they did exactly as they said and all fees were clear from the beginning. Instead of calling these type of companies immoral, how about turning it round and putting pressure on the people who take out loans knowing they cannot afford them rather than attacking perfectly legitimate companies".

http://blog.moneysavingexpert.com/2011/09/21/fact-borrowing-100-at-wongas-apr-costs-more-than-the-us-national-debt-over-14-trillion-after-7-years/ Why APRs are bonkers for payday loans These loans are short term loans usually lent for weeks or a couple of months (with Wonga its 31 days capped – hence why I title this ‘at Wongas APR’ not ‘borrowing from Wonga’), not years, and for small amounts. Over a short term APRs are often irrelevant, after all if you borrowed £20 and paid someone back and bought them a pint (£3) the next week, that sounds pretty reasonable. Yet if you were to take it as a loan, and compound it, it’d signify a 143,000% APR – far more than Wonga’s APR. "For example, borrowing £150 costs roughly £1.50 a day in interest and we deposit that cash into your bank account within minutes of approval, 24/7."

Totally agree.

Says the "gentleman" who defends/champions drunken, foul mouthed behaviour to the detriment of other paying spectator's enjoyment. If I really evaluated about how companies made their cash I'd never buy anything ever again and would be wearing a hand woven grass suit, which would do as food in an emergency.

Who creates the pressure where the target market needs the cash and thus accepts, via necessity, the service Wonga provide ?? Football as a whole was "working class" it is no longer, be it NUFC or anyone else.

OK so they are immoral, when you buy clothing, trainers etc do you check where the stuff is made, what the pay rates are like, what the health and safety/working conditions records are like before you buy ??? As for Wonga in particular, I wonder why these folks who use their service need to, pressure from respectable companies maybe, got ot pay the gas/elec/bank/mortgage etc. crap company (yes) crap logo (yes) money the colour of everyone else's (yes) end of. Show me a money making organisation that isn't immoral, you know what, if football thought about it and paid players reasonable sums, there'd be no need to have adverts on shirts.

I see it and I really really don't care, moralising about a sponsor is ridiculous. If Wonga are so bad, how come they are a perfectly legal and allowed to trade as they do ? The UAE (the folks behind The Emirates) regime kill dissenting people. How about we got sponsored by BAE Systems, blue riband British company, everyone would think that was brilliant, BAE also are second largest arms manufacturer on the planet.

Serious question, how is the fact that Wonga are prepared to offer more cash (it would appear) than anyone else, a "regime" thing. They've sponsored "lower" level clubs, makes sense they'd look to move up. What is the big deal ?? It's more a "football" thing than a "regime" thing IMO.

You're right, we do, still first name on the teamsheet for me.

Flashman's fag ?

It's called "being clever" or "winning the foul" all part of the wonderfull thing that is modern football.

Totally disagree, apart from two bad "going to sleep" corners in the first 15 mins we've been as good as, if not better than, them. Don't blame Harper for the 3rd, overhit cross looping right into top corner, he had no chance.

Doubt it, he'll be looking for whoever will pay most. In fairness SD sells/makes some tat, but also sells/makes an awfull lot of acceptable "good stuff". The tat label is deeply rooted in the fact that it's Ashley. Football sold its soul donkeys years ago.

Well said Chez, was expecting a bookies and just thinking what you said there this very minute !!

Love the morality bullshit Football pays notorious pieces of shit players £200K a week, the league is sponsored by the bank that screwed with the libor (how many people did the trickle down from that fuck over?) and no one bats an eyelid

As it always should be.