“there are a lot more companies than you would think taking advantage of the public. I still stand by the fact they tell you if you use us it is going to cost you. How many other utilities suppliers/banks/medical professions/supermarkets say that. none, most tell you how much you are saving by using them!”
seandobson201 on Nov 25, 2013 at 12:45:02
“That is true,but interest rates of almost six thousand percent are usury and they know that only the most desperate will use them.”
“if you agree with the methods or not, whats the stats for adultery over there compared to here. the one i would bring over here is chopping off the hand of a thief, they will get away with your tv once, twice if they are lucky but not a third time”
“yeah some uk people believe cardboard box retrieval a highly skilled job, perhaps on par with dentists, vets etc
that view may change after xmas rush over, the Romanians etc arrive and start just getting the job done”
“to the policeman who felt it necessary to stop me in my car because of 1 breake light being out, this is exactly what I meant when i said "could your time not be better spent catching real criminals"?
im sure your tough guy attitude pleased your sarg”
“As we keep hearing from woman who want to work during being preggers
"were not ill, its not a disease you know"
Get a grip women, if you want to play at work then man up, if you want to be a housewife thats fine. but stop complaining went you find the 2 aint compatible”
LadyLay84 on Oct 18, 2013 at 06:08:44
“while i understand what you are saying being pregnant is really draining. Women can still work but little things that make it easier are soooo appreciated. same way as someone with a broken leg in plaster is able to sit at his desk and work but will find the stairs up to the office impossible on their own with crutches and paperwork! being pregnant isnt a woman thing, we all reproduce and are responsible for the next generation.”
“you will still find "independant advice" a rarety and most although make this claim tend to use about the same half to dozen companies. How can they know every small print of every company's every policy. selling to the need is just a spin technique evolved from the "can you afford not to have it" statements. As arguebly almost all taking on a debt has a need to protect it.dont know much about the input from them assisting with claims but unless its for a fee cant see many getting caught up in complex legislation”
Dombeyandson on Aug 23, 2013 at 20:01:42
“The esswence is kniwng and understanding insurance law and claims together with contract law which of which the buyer has little or no knowledge. You cannot know teh legal defeinition of the word reasonable for example and can you give the legal definition of a fire or what constitutes a burglery? DO you know the difference between the phrase direct loss or damage and simply loss or damage?”
“not sure if by "they" you mean the bank or the customers, who dont understand policies. No better with brokers who say they are independant and turn out to be tied to 1 company, only select a few from marketplace or who surprisingly recommend policy via company paying highest commision. the customer not any better, they either say "will never happen to me" then when it happens expect someone/anyone else to foot bill or they want to claim missold because not claimed on policy. As I said its the greedy people with their next wave of usa compo claims culture that is about to come again”
Dombeyandson on Aug 23, 2013 at 04:28:16
“In terms of banks they do not understand the policies they are "selling" and thus they are not in a position to advise on the elements of risk, Any firm tied to one insurere is not independent and cannot by definition give advice as by its very nature is not being independent they are simply "selling" a "product". An independent broker will give best advice and will obtain quotes according the information you give them. Moreover banks and tied agents won't give you advise on claims or the legal aspects of insurance law for that you need a qualified impartial broker. Unfortunately you are on your own when it comest to making claims because today personal lines business i.e. motor, household, travel, and so on is handled directly with the insurer - youhave no advocate. I spent 25 years handling insurance litigation as Lloyd's Broker of a 40 year career in insuracne and reinsurance. Retail is not really a borker's business as it has gone and much to direct "selling". Insurance should never be sold but arranged against need of protection and indemnity. It shoudl be the result of discusion. Obviously to be cost effective dmosetic insurance must be sold as a product but claims is usually a specialism that is why ther is a market for Public Loss Assessors to whom you pay a fee.”
“another wave of greedy people using greedy middlemen companies to claim back money they think they are due from the greedy banks.
Ive even known people who have made a claim on their policy then claim the policy was mis-sold!!
whats next fully comp car insurance as this was not required? you heard it 1st here.”
Dombeyandson on Aug 22, 2013 at 08:09:56
“The Financial Services Act says "first know your client" and as banks don't have clients in the retail sector they deem them as customers and it would seem can sell them policies they don't understand. The first principal of insurance is protection and indemnity and the insured has to prove their loss. Getting insurance advice from a bank? LOL”
“playing the evoultionary card, suits me.
which part along the trail did homosexuals play in arriving at the homo sapien status quo”
andrewcartright on Aug 21, 2013 at 02:26:47
“Homosexuality is present for millennia therefore we can determine that homosexuality is not to some benefit to the Han species, in fact given the sheer number of species that exhibit homosexuality we have good cause to find homosexuality to be of some evolutionary benefit, if it was not those genes would surely have been expelled from the gene pool rather than being found in many species.
There is massive amounts of evidence showing that to a social species such as ours the family unit is benefited directly by homosexuality, as it increases a authoritative influence thereby generating greater contestant survive an superior natural selection, in short those exposed to homosexuality within small groups benefits as a group.
There is good statistical evidence that those countries which consider homosexuality as equal to heterosexuality tend to have higher levels social equality in other areas too, greater levels of collective wealth, greater levels of education, higher scores on contentment and happiness surveys, lower crime rates etc.
The evidence for the social and evolutionary benefits for homosexuality are well documented.”
FelixRat on Aug 20, 2013 at 17:45:44
“Homosexuality has been observed in thousands of species. It is a completely natural phenomenon. There are even numerous genetic explanations for its prevalence, as an response to living in denser populations.”
“"Christie said that conversion therapy poses “critical health risks including, but not limited to, depression, substance abuse, social withdrawal, decreased self-esteem and suicidal thoughts"
He doesnt go on to explain that if they stick on that path they will either insert or be inserted in an area that was designed solely for waste excreation”
andrewcartright on Aug 20, 2013 at 16:10:58
“The research suggests that that particular practice is going on in the vast majority of straight relationships too, it isn't exclusive to men either, why people only focus on male homosexuality says more about them than homosexuality.
I'd also echo joshki1, we weren't designed, and if you believe we were surely you believe in Gods infinite wisdom he designed some people gay.”
cyanmanta on Aug 20, 2013 at 16:02:33
“What about all the straight couples who try anal stuff? Nobody's sending them to sexual reprogramming camps...”
“you clearly dont understand whats involved running a small business and by your reply probably dont know the difference between one and a government funded department. ie in your example "the police" as they are funded from the public purse.Your 2nd example of employee getting 100% of benefit. this doesnt happen in any industry. the closest being self emplyed but they have tax & NI to pay, thats assuming all their creditors pay them, guess you didnt think of that a lot of large companies make you wait 30-90 days before paying you, so as an employer you pay this weeks wage and next weeks and the week after then 3 months later you get paid.Finally no one is asking you to be a puppet but if there is no work coming in the door and workers want paid (for no doing any work) the company will fold. I guess were off on day 1 of remedial class economica ”
Fearghul on Aug 6, 2013 at 11:55:34
“Well, since the vast majority of the companies that use ZHC are those with over 100 employees, the analogy to public sector jobs isnt too bad. Did you think police dont count as employees? I was also aiming that at your "ideal world" where people only get paid when there is active work.
Tax and NI and such count as a part of your costs, which means that you do reap 100% of the rewards and profits of your enterprise if you're self employed. You also seem to be conflating self employed with being an employer...which is not always the case since most are limited companies that work under entirely different legal frameworks that also insulate you from liabilities....frankly the "woe is me!" stuff about business owners is crap. You go on about all these expenses, people working have them too, it doesnt put a business operator in a unique position and shouldnt justify predatory or exploitative behaviour.”
“yeah thats how its meant to go, in the ideal world. Thats where the problem lies, we aint living in the ideal world. Who pays the employer if there is no work? once you have worked that out you will realise why zhc are ideal for small businesses.”
Fearghul on Aug 6, 2013 at 06:28:03
“An ideal world?
One where the police only get paid by the crime and thus have an incentive to allow crime to happen?
One where stewards only get paid by the violent incident and thus have no desire to prevent them?
Here's a suggestion for you to ponder, if the risk of no work is being assumed by the employee surely then they should get the full reward of the profits.
The thing is that being a business owner/employer doesn't give you free reign to make other people into puppets to increase your personal profit. If you want to try and get maximum profit then you're going to be the one responsible for the risk rather than externalising it onto your workers and the government.”
“Actually, one of the places pulled up for illegal behaviour was Burger King IIRC, when they had zero hour staff "sign out" during lulls in business but stay on call and sign them in again when they're needed.
Also, if you look, legally, a worker can expect to be paid if they're at work whether there is work to do or not so long as their employer has asked them to be there....it's kind of how this whole paying people thing is meant to go...or should every line of work be on a commission only basis? Stewards only get paid when they're actively resolving a fight perhaps?”
SGillLondonUK on Aug 5, 2013 at 18:06:50
“There is never a shortage of work in my field. Thats one of the advantages of having a career But seriously, if that is the way things are then employees do not owe any debt of loyalty to their employers. ”
“and now on dole with only a wish for a zero hours contract”
chelska68 on Aug 6, 2013 at 00:56:30
“well it was 25 years ago everyone got a pay packet except me he said an admin prob wait till next week next week again no money, he was a bully so I clouted him a couple of times in front of a few others, I know it was wrong but that's the only way to deal with a bull”