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Thread: Ban all adverts for children?

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    Administrator Will's Avatar
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    Default Ban all adverts for children?

    Haven't actually read this, just Millibland trying to grab a few headlines with a nice fluffy policy that's guaranteed not to upset anyone - apart from payday loan companies.

    http://www.bbc.co.uk/news/uk-politics-24886804

    It got me thinking though, isn't it a bit hypocritical to say it's unacceptable to influence children with thoughts of taking out a payday loan (um!), but say it's OK to influence them to buy utterly useless shit which they don't really need.

    "But isn't buying useless shit the whole basis for keeping our economy afloat?" I hear you ask. Yes it is, so maybe that's wrong too?

    Your thoughts please.
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    Payday loans seem to have become the tip of an enormous iceberg. It has become in some respects the last bastion of easy to get credit. Credit, which barely existed before Maggie's deregulations, for working people. Credit that in the event in most respects merely made it easier to have a lower pay structure than would have been the case without it. For many easy credit did encourage the manufacture and consumption of shite, with payment put off for another day. Apart from the obvious unfairness in their interest rates, the real problem with the payday loan is the fact that there are far to many people earning so little that they can only run their day to day affairs with help of such a lop sided arrangement.

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    Super Moderator eatmywords's Avatar
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    This is all very odd. Can a child access a pay-day loan? I really don't see how a child can be influenced by an advert they have no capacity to access without some financial security?

    I think Miliband is under pressure since the Co-op Bank have fallen on hard times and they still owe them 300,000. Could that be construed as a pay-day loan?
    Faced with certain disaster, defiance is the only answer.

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    Senior Member Sid's Avatar
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    Quote Originally Posted by eatmywords View Post
    This is all very odd. Can a child access a pay-day loan? I really don't see how a child can be influenced by an advert they have no capacity to access without some financial security?
    I think the idea would be that the kid sees some tack cleverly advertised between shows that he wants. The dad says that he can't afford said tack. Then the kid sees the advert for the payday loan and says, "Hey dad, now you can afford it."

    Stupid dad says, "Oh yes, how uncanny that that ad came on just at the right time!"

    Clever dad, who can afford not to get a payday loan simply says no, it's tack.

    For me I don't see the problem with payday loans and the like. They're providing a service and judging by the number of them that are around these days quite a lot of people use them.

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    Quote Originally Posted by Sid View Post
    I think the idea would be that the kid sees some tack cleverly advertised between shows that he wants. The dad says that he can't afford said tack. Then the kid sees the advert for the payday loan and says, "Hey dad, now you can afford it."

    Stupid dad says, "Oh yes, how uncanny that that ad came on just at the right time!"

    Clever dad, who can afford not to get a payday loan simply says no, it's tack.

    For me I don't see the problem with payday loans and the like. They're providing a service and judging by the number of them that are around these days quite a lot of people use them.
    They're greedy opportunists who prey on not only those in dire need, but simpletons who lack sound judgement, then 'send the boys round' when their victims discover they can't afford the disgusting interest rates. They are latter-day Shylocks who ought to be forcibly put out of business.

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    Senior Member Rook's Avatar
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    Quote Originally Posted by Sid View Post
    For me I don't see the problem with payday loans and the like. They're providing a service and judging by the number of them that are around these days quite a lot of people use them.
    Just like drug dealers and pimps then . . Just because a service is popular, doesn't mean it's moral or problem-free. Their business model is structured in a way to deliberately sucker in the vulnerable and desparate. It's all self-assessment and they have no real concern about whether you can actually afford the loan or not. They don't care if you can afford the loan, if you miss a deadline they'll just roll it over - for a fee of course - and have you pay the interest.

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    Super Moderator eatmywords's Avatar
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    Quote Originally Posted by Rook View Post
    Just like drug dealers and pimps then . . Just because a service is popular, doesn't mean it's moral or problem-free. Their business model is structured in a way to deliberately sucker in the vulnerable and desparate. It's all self-assessment and they have no real concern about whether you can actually afford the loan or not. They don't care if you can afford the loan, if you miss a deadline they'll just roll it over - for a fee of course - and have you pay the interest.
    Well this seems like the time to take one out and not repay it, and then throw yourself at the mercy of the court that you were either too ignorant or too brow-beaten by your kids when taking it out.
    Faced with certain disaster, defiance is the only answer.

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    Senior Member Sid's Avatar
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    Quote Originally Posted by Rook View Post
    Just like drug dealers and pimps then . .
    I don't think we should be making comparisons along these lines. But then again, the above two should also be legal to better regulate both of them. And of course pay day loans are regulated thus doing away with the old style loan sharks making their door to door collections!

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    Senior Member Rook's Avatar
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    Quote Originally Posted by eatmywords View Post
    This is all very odd. Can a child access a pay-day loan? I really don't see how a child can be influenced by an advert they have no capacity to access without some financial security?
    They wouldn't "spend hundreds of thousands of pounds advertising during children's TV programmes" for no reason would they?

    I detest pay-day lenders, but this idea seems to have a whiff of:


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    Why are you letting your children watch so much telly in the first place? If you didn't, or restricted telly to when the family can watch it together and the adults can comment on the ads, then the'd be less of a problem. Alternatively stick to the BBC.

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