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  1. #121
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by Stizzel View Post
    This guy Im working with needed cash bad. Apparently there are companies out there that will loan money against government pensions. Fast money with no credit check, but got damn. $850 per month for 5 years, for a $5,000 loan. I had to read it over at least 3 times to believe it. No way to pay it off early. Holy christ. And its against a military pension, this guys a veteran.

    Im a little pissed.
    Did I read that right? That's $51,000.
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  2. #122
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by Bushmaster View Post
    Did I read that right? That's $51,000.
    Yep. They get their money back in 6 months, and then its 4.5 years of profit
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  3. #123
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by Stizzel View Post
    Yep. They get their money back in 6 months, and then its 4.5 years of profit
    FML... and he's aware of this? Did he not have any other options? Jesus H.
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  4. #124
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by Bushmaster View Post
    FML... and he's aware of this? Did he not have any other options? Jesus H.
    No idea. But they put a statement right above the signature line that says in all caps that you're only getting a fraction of what you'll be paying. But you know older people tend to not understand this stuff.
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  5. #125
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by Stizzel View Post
    No idea. But they put a statement right above the signature line that says in all caps that you're only getting a fraction of what you'll be paying. But you know older people tend to not understand this stuff.
    My ex-wife used to do collections for one of those time share condo places.. And she used to tell stories about old people being strong armed into buying the fuking things, never even using it, yet still having to pay for it. Shiit like that makes my blood boil.
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  6. #126
    Unapologetic Colonialist Canadian2point0's Avatar
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    Originally Posted by Stizzel View Post
    This guy Im working with needed cash bad. Apparently there are companies out there that will loan money against government pensions. Fast money with no credit check, but got damn. $850 per month for 5 years, for a $5,000 loan. I had to read it over at least 3 times to believe it. No way to pay it off early. Holy christ. And its against a military pension, this guys a veteran.

    Im a little pissed.
    Brutal. Can they go after his pension?
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  7. #127
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by Canadian2point0 View Post
    Brutal. Can they go after his pension?
    They bought a portion of his pension. The way they worded the contract, he sold them $51,000 worth of his pension for $5,100. I think if he defaulted and they went to the VA, the VA would tell them to fuk off. But they can take him to court and sue him if he doesn't pay.
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  8. #128
    Wall Investor & Developer TheFornicator1's Avatar
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    Originally Posted by Stizzel View Post
    They bought a portion of his pension. The way they worded the contract, he sold them $51,000 worth of his pension for $5,100. I think if he defaulted and they went to the VA, the VA would tell them to fuk off. But they can take him to court and sue him if he doesn't pay.
    Any way for him to claim incompetence? That company needs to see a class action law suit and be taken to the cleaners. I'm not going to bother digging into the law but I'm almost positive that is borderline illegal based on the ethics alone. Daylight robbery.
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  9. #129
    Here's beer Mr Beer's Avatar
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    Seems to me like there should be a law about what effective interest rate can be charged on loans, because this kind of stuff is just ridiculously exploitative.

    The payday loan business in Australia is crazy, they don't even need to declare what interest rates they are charging, because they are 'loan fees' and not interest. Such BS. I've seen similar adverts in the UK and they have to level with the viewers in the small print, but at least you can see that they're charging 1000% p/a or whatever usurious rate they go for.
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  10. #130
    Wall Investor & Developer TheFornicator1's Avatar
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    Originally Posted by Mr Beer View Post
    Seems to me like there should be a law about what effective interest rate can be charged on loans, because this kind of stuff is just ridiculously exploitative.

    The payday loan business in Australia is crazy, they don't even need to declare what interest rates they are charging, because they are 'loan fees' and not interest. Such BS. I've seen similar adverts in the UK and they have to level with the viewers in the small print, but at least you can see that they're charging 1000% p/a or whatever usurious rate they go for.
    I racked up a 6.5k loan on chit from Radio Rentals about a decade ago. By the time I paid it out, I'd paid roughly 14.5k. That's not including the multiple $120 late fees I was charged for being a day overdue, lel. IIRC there's a class action lawsuit going on against them at the moment. If you can throw a CA lawsuit against the banks for fees, etc, surely you kneecap these unethical companies that largely take advantage of people that have no other avenue for credit.

    I paid out all of my loans and debts in '15. Haven't had another since.

    Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line
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  11. #131
    Here's beer Mr Beer's Avatar
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    Originally Posted by TheFornicator1 View Post
    Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line
    Well I was hoping to get a nibble from him with my 'there should be a law about this' line but I guess you fukked that up for me now

    To be fair, capping interest rates on loans is tricky because the most disadvantaged people are the ones who need payday loans and they charge silly interest rates because when your business space involves lending $200 for 1 week to a guy who has money problems, the effective interest rate needs to be very high to turn a profit. If you effectively price legitimate companies out of that market, then you get gangsters filling the space, which isn't a great outcome for the borrowers.
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  12. #132
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    Originally Posted by TheFornicator1 View Post
    I paid out all of my loans and debts in '15. Haven't had another since.
    Good move.

    My CC gives me free air miles, so i try to pay everything i can with it. I rack up enough air miles to book a ticket somewhere nice every 8 weeks or so. But i keep it paid off
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  13. #133
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by TheFornicator1 View Post
    Any way for him to claim incompetence? That company needs to see a class action law suit and be taken to the cleaners. I'm not going to bother digging into the law but I'm almost positive that is borderline illegal based on the ethics alone. Daylight robbery.
    I'm not a lawyer so not sure, but they essentially outright state "we are ripping you off" in the contract so many times I'm sure a lawsuit would be difficult
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  14. #134
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by Mr Beer View Post
    Seems to me like there should be a law about what effective interest rate can be charged on loans, because this kind of stuff is just ridiculously exploitative.

    The payday loan business in Australia is crazy, they don't even need to declare what interest rates they are charging, because they are 'loan fees' and not interest. Such BS. I've seen similar adverts in the UK and they have to level with the viewers in the small print, but at least you can see that they're charging 1000% p/a or whatever usurious rate they go for.
    There are laws here about maximum interest rates. This is not technically a loan. The guy is signing as a seller, he is selling them 1/4 of his pension for 60 months.
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  15. #135
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by TheFornicator1 View Post
    Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line
    Just because its voluntary doesnt mean you have to agree with it. In the end this guy is an adult and unless he's senile should be allowed to make his own decisions.
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  16. #136
    SillieBazzillie Alt #5 StoliFun's Avatar
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    RE: The Americans

    Holy ****, Tuan.
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  17. #137
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by StoliFun View Post
    RE: The Americans

    Holy ****, Tuan.
    Fingers in ears! I haven't watched it yet... got it recorded though and will try to get to it tonight.
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  20. #140
    Dirty Capitalist gachase21's Avatar
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    Don’t be afraid of Covid. Don’t let it dominate your life.
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  21. #141
    يو وات ميت ؟ uwootm8's Avatar
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    Hello all,

    Does TranceNRG still post here?
    Don't know what to put in my sig crew


    أشهد أن لا إله إلاَّ الله و أشهد أن محمد رسول الله
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  22. #142
    Dirty Capitalist gachase21's Avatar
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    Originally Posted by uwootm8 View Post
    Hello all,

    Does TranceNRG still post here?
    Yes
    Don’t be afraid of Covid. Don’t let it dominate your life.
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  23. #143
    dont call me shirley spatchcock's Avatar
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    are people getting stupider

    is the media getting smarter

    is there estrogen in the water

    what the fuk is happening to people
    Sig line can't be a novel
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  24. #144
    Unapologetic Colonialist Canadian2point0's Avatar
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    Civilian Laws -----> Military Rules/Regulations

    How the fuk do people not understand this.

    eatingpopcorn.gif
    “Power is not a means; it is an end. One does not establish a dictatorship in order to safeguard a revolution; one makes the revolution in order to establish the dictatorship.” - George Orwell
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  25. #145
    Registered User JrM703's Avatar
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    Paging @the big kahoona

    @ProteinSheikh is traveling to the UAE, and is looking for advice on gyms and restraurants. Sending him your way.

    Thanks in advance, don't know him, just came across his thread.
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  26. #146
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by StoliFun View Post
    RE: The Americans

    Holy ****, Tuan.
    Ugh... shiit. Wasn't really expecting that. They cross over into some really dark territory on that show - a lot.
    Oh my God please help me waist deep in the river can you hear my plea
    He says son you come like a begger in the streets
    you might make it boy but by the skin of your teeth.

    I rambled with the worst of them
    fell in love with a harlequin
    Saw the darkest hearts of men
    And I saw myself staring back again, and I saw myself staring back again...
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  27. #147
    Methodological Naturalism tk217's Avatar
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    Originally Posted by HoganIsGOAT View Post
    So now you're a snowflake if you're a straight guy that doesn't want to begin watching a show that contains a lengthy scene of two naked dudes with visible boners butt****ing each other.

    LOL
    He is right you know.
      
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  28. #148
    Unapologetic Colonialist Canadian2point0's Avatar
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    lol

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  29. #149
    kein mitleid fr mehrheit Stizzel's Avatar
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    Originally Posted by Canadian2point0 View Post
    lol

    Howard Stern crew
    Eric the midget crew
    Deplorable Trump Cultist Crew
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  30. #150
    Pedicabo ego vos et irrum A-GAME's Avatar
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    Well well well....Zbigniew Brzezinski finally fell over. Good riddance.

    "Systemic racism" is a term used by liars and cowards to hide the failures of left-wing policies....
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