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Stanley
Local Historian & Old Fart


36804 Posts
Posted -  14/11/2010  :  06:26
NEW VERSION TO MAKE IT EASIER FOR MEMBERS WITH SLOW CONNECTIONS TO CONNECT.

Follw this LINK for last version.


Stanley Challenger Graham




Barlick View
stanley at barnoldswick.freeserve.co.uk
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belle
VIP Member


6502 Posts
Posted - 14/06/2011 : 09:26
Community work yes...but not natioanl service, surely we don't need to add teaching them war onto all the other crap we've handed them!


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Bradders
Senior Member


1880 Posts
Posted - 14/06/2011 : 10:29
 Herb,I don't share your view that  youngsters are wasters or wanting everything for free......I know plenty today that work very hard indeed.

I helped to bring up two of my own, I teach music to a handful of local young people and I had 12 years experience as a student property landlord .....I haven't come across a real bad 'un yet .. ..

It's always been the case that some older people have a negative attitude to succeeding generations ....I'm not one of them.

Forcing anyone to do the sort of thing you are suggesting would only create resentment. (after all , it's the punishment handed down for criminal convictions ,at the moment ) and  you would be punishing the millions , for the "crimes" of the few.

Daft idea ......and that's not personal !

Edited by - Bradders on 14/06/2011 4:48:41 PM


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HerbSG
Senior Member


1185 Posts
Posted - 14/06/2011 : 17:26
Belle, I carefully suggested that "public service" did not have to mean "military service".  Keep in mind that the military is not only used for war.  Disaster ...rescue...are just a couple of things that come to mind.

In Jamaica public service included things like teaching in rural areas.

Bradders don't worry I don't take your replies as personal, and I don't expect you to agree with me, we all have opinions some make sense some don't, life experiences help us form meaningful opinions.


HERB


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Bradders
Senior Member


1880 Posts
Posted - 14/06/2011 : 17:59


quote:
Herb wrote:

Bradders don't worry I don't take your replies as personal, and I don't expect you to agree with me, we all have opinions some make sense some don't, life experiences help us form meaningful opinions.
....and about time too !....

That pint is still on offer , if you come to Cornwall  ( ...how much £££  !)


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HerbSG
Senior Member


1185 Posts
Posted - 14/06/2011 : 19:38
Bradders don't your teeth and jaws ever get sore from shaking that rag.

From York, Whitby, Scarborough, Barlick, Burnley, Blackpool, Belfast, County Down, Cardiff, Wiltshire and London prices ranged from 2GBP to 3.50GBP depending on which ale and which pub/city,  shots from 2 GBP plus 1 GBP for an extra shot, all in all quite reasonable (you don't have to agree, of course.

Would  love to take your pint on next trip, but Bradders we would never be able to agree on where to meet.  cheers


HERB


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belle
VIP Member


6502 Posts
Posted - 14/06/2011 : 20:06
Herb for your reference..this is exactly hat you put:
 'national service might be one of the answers....not limited to military service'.
No mention of public service in your post.


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Tizer
VIP Member


5150 Posts
Posted - 14/06/2011 : 20:54
Bradders & Herb, just don't meet in London - I read today that a pint of beer now costs "the best part of a fiver".


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HerbSG
Senior Member


1185 Posts
Posted - 14/06/2011 : 20:57
Belle, sorry my colonial English may be confusing, by national service I meant that to mean service to the country in some form, I now realize that in the UK it would very likely be taken to be Military.  But I thought by using "not limited to military service" would qualify.


HERB


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Stanley
Local Historian & Old Fart


36804 Posts
Posted - 15/06/2011 : 05:34
Noticed an interest rate of 1214%APR on WONGA.  Borrowing: £100 + Interest & fees* £36.72 for a month  = Total to repay £136.72.  Didn't go any further to look at penalties! Sign of the times?
Remember the pea growers who had the rug pulled from under them by Bird's Eye 18 months ago when they cut the growing contracts? They had to miss a year while they got their act together but they have got together, raised over £1million, bought three pea harvesters and they started work this morning on the harvest. Not a biggie in the global scheme of things but I thought it was nice to see they had enough confidence to go it alone. I wish them well.


Stanley Challenger Graham




Barlick View
stanley at barnoldswick.freeserve.co.uk Go to Top of Page
HerbSG
Senior Member


1185 Posts
Posted - 15/06/2011 : 17:15
Tizer, just got back from a week in London, paid 3.50GBP max for ales and that was from Belgravia to leicester (not in 5* hotels).


HERB


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HerbSG
Senior Member


1185 Posts
Posted - 15/06/2011 : 17:20
Stanley don't get  1214APR from 36.72 on 100 for 1 month, more like 440.64% which is still ridiculous, but is in keeping with similar rates here.  The bigger payday loan companies have been the subject of a major class action suit that they lost, ( the criminal interest rate here is anything over 60%APR) one of the biggest offenders..Money Mart.. owned I believe by a US company active in the UK and backed by GE financial.


HERB


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Stanley
Local Historian & Old Fart


36804 Posts
Posted - 16/06/2011 : 06:23
Herb, they quote 1214% on TV advert and website. You'd better mail them and point out their mistake.

Have a look at this LINK but don't try it at home! Moral of the Story, don't try to remove a wart with a shotgun, especially an unlicenced one!

 


Stanley Challenger Graham




Barlick View
stanley at barnoldswick.freeserve.co.uk Go to Top of Page
HerbSG
Senior Member


1185 Posts
Posted - 16/06/2011 : 07:14
Stanley here all of these rates are based on 14 day loans, payday to payday. but if loan is done during the 14 day period cost is the same so APR varies considerably


HERB


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tripps
Senior Member


1404 Posts
Posted - 16/06/2011 : 13:47
If they charge 36% per calender month, then I've multiplied 100 by 1.36 twelve times to see how the debt would grow over a year.  The final figure is about £4000. Thus there would be  £3900 interest on an initial loan of £100.  This is an Annual Equivalent Interest 3900%.  I have noticed that one of these vipers who advertise on daytime TV are quoting shamelessly, and in very small print at the bottom of the screen an annual rate of over 4400%.  I appreciate this is a very theoretical situation, since these loans are designed to be very short tem, and the above scenario is unlikely. 


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panbiker
Senior Member


2300 Posts
Posted - 16/06/2011 : 21:01
The £600 brake light!

A salutory tale of onward and upward in the development of the automobile.

A week last Tuesday my youngest son Jack was stopped by the police on his way home from work. The officer availed him of the fact that his brake lights were on all the time. He was asked to sit in the back of the police car while his details were taken. He hesitated slightly when asked his address as he has recently moved house and he was mindfull of the fact that his car documents are slightly out of kilter with address details. He is waiting to renew his tax this month and will update the log book with his new address at the same time. His insurance company has already been notified of the change.

Instead of a verbal caution for the lights, the officer gave him a "producer" for his documents at a Police station of his choice and informed him that he would have to get the vehicle repaired and his MOT certificate updated to that effect by a garage signing off the repair within 7 days and before he presented his docs at the station (Barlick).

To this effect he booked the car into West Craven Auto Electrical at the earliest he could which was Thursday of last week. He parked the car up and borrowed mine to get to work the following day. Jack needs his car as he is employed as an ICT Technician but has to move between the schools he supports on a daily basis.

You would think that a brake light problem would be relatively simple to sort out, or at least it used to be when the only thing in the circuit was a bit of wiring and a switch on the pedal. Not so nowadays, all the electricals ( even simple things like brake lights) are now "managed" by the ECU and events and errors logged. Plug the thing into the analyser and theoretically the software will tell you where the problem is and how to fix it. Fine and dandy if the garage has the right interface for your particular flavour of car and electrics. West Craven did not and advised him that he would have to take it to a main dealer who would have the nescessary kit. To this end the car was booked into the main Vauxhall dealership at Cross Hills and taken there on Saturday. To their credit West Craven did not charge for their attempt at, but failure to fix. Jack did mention to the dealer that he was against the wire in getting the car fixed as he only had until Tuesday to present his documents and proof of repair.

The car went on the analyser on Monday. Clearing the error list in the ECU fixed the fault until the ignition was switched off. Next time it was started the fault was back. They tried re-loading the firmware but it made no difference. They decided to visually inspect the ECU which is housed in a plastic case deep in the engine bay. They removed the ECU and on opening the case they found that it was full of water from a hairline fracture on the side of the case which could not be seen when it was mounted. The water had seen to the demise of the ECU and a replacement was required. This had to be paid for in advance as they had to order the part in and it would be delivered on Tuesday. The car would be fixed and could be collected on Wednesday after test and certification. The replacement ECU was £330.00. The plasic box which led to the failure costs £7.00.

More to the point, Jack was aware that he was going to be late on getting his docs to the Police Station in Barlick. So he rang the police to avail them of the situation and was told that even though the car had been off the road for the entirety of the fault in two diffrent garages he would have to take his chance with the officer on the desk when he produced his docs a day late. The officer could decide to write him up for non production of docs (3 points) and also prosecute for the original offence (3 points).

So after picking up the car at 5.15pm on Wednesday and paying the £250.00 labour charges on top of the £330.00 parts cost he made his way with some trepidation to the Police station at Barlick, last minute as they close at 6.00pm?

I don't think they threw the book at him, although I have not seen him since yesterday after I got my car back from him and then drove him to Cross Hills to finally get his Astra back.

8 days, £580.00 worse off and all for a fault which any garage used to be able to fix with a multimeter and a £3.00 Lucas switch. Something wrong somewhere!

 


Edited by - panbiker on 16/06/2011 22:50:48


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