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bazzacollins's profile
Barry Collins
Barry Collins
Barry Collins
Verified account
@bazzacollins

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Barry CollinsVerified account

@bazzacollins

Freelance editor, journalist and photographer. Co-editor of http://bigtechquestion.com  and director of Lewes FC.

Sussex
bigtechquestion.com
Joined June 2007

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    1. Barry Collins‏Verified account @bazzacollins 6 Mar 2013

      What took the OFT so long with the pay-day loans? Didn't they see the TV ads for 2,435% APR loans? http://ow.ly/isygM 

      4 replies 0 retweets 1 like
    2. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
      Replying to @bazzacollins

      @bazzacollins but they're not APRs, since they're one off and non-compounding.

      1 reply 0 retweets 0 likes
    3. Barry Collins‏Verified account @bazzacollins 6 Mar 2013
      Replying to @DrPizza

      @drpizza Yeah, OK. Fair point.

      1 reply 0 retweets 0 likes
    4. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
      Replying to @bazzacollins

      @bazzacollins the other thing is, payday lending isn't actually very profitable. The rates are high, but that's offset by unpaid loans.

      1 reply 0 retweets 0 likes
    5. Barry Collins‏Verified account @bazzacollins 6 Mar 2013
      Replying to @DrPizza

      @drpizza That's because they're lending cash to people who can't afford to take the loans in the first place.

      2 replies 0 retweets 0 likes
    6. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
      Replying to @bazzacollins

      @bazzacollins yes, but conversely, those people are taking those loans out of necessity.

      1 reply 0 retweets 0 likes
      Barry Collins‏Verified account @bazzacollins 6 Mar 2013
      Replying to @DrPizza

      @drpizza Question is whether the pay-day companies are helping those in poverty, or exacerbating the situation. I lean to the latter.

      10:49 AM - 6 Mar 2013
      4 replies 0 retweets 0 likes
        1. Phil Lucky‏ @philluckee 6 Mar 2013
          Replying to @bazzacollins

          @bazzacollins @drpizza Therefore it's in their best interest to lend to those that'll default/defer.

          0 replies 0 retweets 0 likes
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        2. Phil Lucky‏ @philluckee 6 Mar 2013
          Replying to @bazzacollins

          @bazzacollins @drpizza Certainly the latter. They're legalised sharks. Nothing else. 50% of their profit comes from those defaulting.

          1 reply 0 retweets 0 likes
        3. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
          Replying to @philluckee

          @PhilLuckee @bazzacollins I don't see the relevance of that statistic.

          3 replies 0 retweets 0 likes
        4. Phil Lucky‏ @philluckee 6 Mar 2013
          Replying to @DrPizza

          @DrPizza @bazzacollins Sorry, what? You don't see the relevance of HALF of their money coming from customers who default?

          3 replies 0 retweets 0 likes
        5. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
          Replying to @philluckee

          @PhilLuckee @bazzacollins nope. Imagine if their interest rate was 0%, but they charged £10 for late payment.

          1 reply 0 retweets 0 likes
        6. Phil Lucky‏ @philluckee 6 Mar 2013
          Replying to @DrPizza

          @DrPizza @bazzacollins They lend to people they know are highly likely o default or roll the loan over. Exploitation at its finest.

          2 replies 0 retweets 0 likes
        7. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
          Replying to @philluckee

          @PhilLuckee @bazzacollins do they? Or is it simply that the kind of people who need payday loans are at high risk of defaulting?

          1 reply 0 retweets 0 likes
        8. Phil Lucky‏ @philluckee 6 Mar 2013
          Replying to @DrPizza

          @DrPizza @bazzacollins I do see your point; probably a bit of both, but they can not be held up as examples of helping the needy.

          0 replies 0 retweets 0 likes
        9. End of conversation
        1. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
          Replying to @bazzacollins

          @bazzacollins if people actually need the loans but can't get them, that is making things worse, not better.

          0 replies 0 retweets 0 likes
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        1. Pumpkin Fright 👨‍⚕️ 🍕‏Verified account @DrPizza 6 Mar 2013
          Replying to @bazzacollins

          @bazzacollins that is the key question, but it doesn't appear to be the question that is actually being investigated.

          0 replies 0 retweets 0 likes
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