Loan offer

Frank the tank

Mrs Tank has this very morning (she's just opened the letter) been offered a loan by our bank of £18,500.

This inspite of the fact her annual earnings are absolutely £ZERO.

How exactly is she supposed to pay that back then?

rick_chasey

Name and shame the bank!

MattC59

It'll be a standard mailer offering you a product. Just the same as getting a mailer from Aviva offering insurance.

Just because they sent you the mailer, doesn't mean they'll give you the money.

It's just advertising, that's all.

finchy

Frank the tank wrote:

How exactly is she supposed to pay that back then?

Become a Nikita-style hitwoman? Maybe that's what the bank wants - get her entrapped in a web of debt, so she will carry out their dirty work.

First target - any politician who tries to impose regulations on the banking sector.

Pokerface

Even a 'pre-approved credit card' is never pre-approved. You still have to provide your details and they can still turn you down.

Headhuunter

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

shouldbeinbed

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

Pokerface

shouldbeinbed wrote:

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

Brilliant :!:

desweller

Pokerface wrote:

shouldbeinbed wrote:

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

Brilliant :!:

+1. Inspired.

Frank the tank

Sending people junk mail offering loans, IMHO is pointless, If I needed a loan I'd shop around for the best deal myself. I hate it when the bank phone you up asking you to make an appointment to review your accounts. What they really mean is come in and we'll see if we can selll you something else.

ride_whenever

have they stopped you posting bricks back to them with the freepost envelopes yet?

MattC59

shouldbeinbed wrote:

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

I do exactly the same, I've been doing it for years
The best thing is that a 1st class prepaid envelope is still weighed and the company is charged for the weight of the letter, so the more that you can cram into the envelope the better !!!!!

alfablue

MattC59 wrote:

shouldbeinbed wrote:

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

I do exactly the same, I've been doing it for years
The best thing is that a 1st class prepaid envelope is still weighed and the company is charged for the weight of the letter, so the more that you can cram into the envelope the better !!!!!

I understand the sentiment, but of course those costs are ultimately paid by the customers. They aren't going to think "ooh, we keep getting junk mail and we paid for the postage! Better stop marketing this way even though it clearly works . . "

Better to sign up to the Mail Preference Service. It takes a couple of months but it works. I believe companies are obliged to check the list periodically and remove names from their mailing lists.

chunkytfg

ride_whenever wrote:

have they stopped you posting bricks back to them with the freepost envelopes yet?

Ahh see now I managed 1 better than that! I managed to get the post office to accept a well and truely knackered race tyre from my old motorbike which was sent to RBS!!

redvee

I used to send stuff back to people but always cut my name & address off plus any reference numbers etc that could trace the source of the sender. The only junk I get now is from British Gas wanting money

Headhuunter

alfablue wrote:

MattC59 wrote:

shouldbeinbed wrote:

Headhuunter wrote:

I get all sorts of "pre approved" loans and credit cards all the time. I tend to stuff it all back into the prepaid envelope with a note saying "please do not send junk mail" and mail it back to them....

Ah no, go one better, save them up for a bit, shuffle them and then mail them back randomly in the prepaid envelopes. You never know, maybe Barclaycard want a domino's menu and Halifax need a Capital 1 credit card

I do exactly the same, I've been doing it for years
The best thing is that a 1st class prepaid envelope is still weighed and the company is charged for the weight of the letter, so the more that you can cram into the envelope the better !!!!!

I understand the sentiment, but of course those costs are ultimately paid by the customers. They aren't going to think "ooh, we keep getting junk mail and we paid for the postage! Better stop marketing this way even though it clearly works . . "

Better to sign up to the Mail Preference Service. It takes a couple of months but it works. I believe companies are obliged to check the list periodically and remove names from their mailing lists.

I'm signed up to both the MPS and the TPS but although it helped eliminate a lot of the junk I used to get it didn't stop it. Capital One was very persistent, I sent lots and lots of mail back to them in the freepost envelopes with "NO MORE JUNK" scrawled across everything in black marker. Eventually they stopped but I still occasionally get stuff from people like BT, Virgin Media, Sky etc so the MPs is not foolproof

Pross

MPS and TPS don't work if there is the remotest sniff that you have given a company permission to call e.g I keep getting calls "in connection with my credit card" which were unsolicited calls from a company trying to flog me identity theft insurance despite being meticulous in ticking the don't send me any crap boxes on any form I fill in and being registered for the TPS. I sometimes had 3 calls within the space of an hour! Same with the MPS, it cut down on the rubbish at first but now the Royal Mail have a deal to delievr non-addressed mail so they just put 'The Occupier' on their rubbish instead and get around it that way.

Headhuunter

Pross wrote:

MPS and TPS don't work if there is the remotest sniff that you have given a company permission to call e.g I keep getting calls "in connection with my credit card" which were unsolicited calls from a company trying to flog me identity theft insurance despite being meticulous in ticking the don't send me any crap boxes on any form I fill in and being registered for the TPS. I sometimes had 3 calls within the space of an hour! Same with the MPS, it cut down on the rubbish at first but now the Royal Mail have a deal to delievr non-addressed mail so they just put 'The Occupier' on their rubbish instead and get around it that way.

Yep, I get a lot of stuff addressed to "The Occupier" as well. That successfully circumvents the MPS but at least you can literally just shove it all in the recycling bin unopened, if it has my name and address on I always feel the need to take it out and shred it...

mitchell_inman

I had trouble with Kwik-Fit insurance making loads of silent calls to my home phone.

When I complained, they explained that the only way I could avoid it in future was to not give my telephone number to the service centre when getting work done. They didn't seem to have an answer when I pointed out that the service centre then wouldn't be able to phone me and tell me my car was ready for collection!

I worked the solution out for myself - I don't use Kwik-Fit any more

term1te

Mrs Termite can beat an £18,500 loan offer, this morning she was offered $28 million via email from a Libyan businessman who has had to flee the country in fear of persecution. Apparently he doesn't want any corrupt politicians to embezzle his money so has asked my wife to look after it for him. We must be on a list of honest people, as less than a year ago a Nigerian prince in a similar situation contacted me for help.

Pross

Oh, you've ruined it - I thought I was special and the only one who got asked to do this. I feel all used now