Quote by john469
Do Lloyds offer an overdraft rate of 'fuck all per month' to muslims?
Wasnt it about fifteen quid or so?
Kenty might look good in a burkha.
Don't understand the above, except I would as ever look great in a burrrrrrrker!
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Quote by Max777
I just wish Lloyds would have been allowed, like any other business would have done, and gone under!
They are still even now at it, with their big fat bonuses. Greedy shits!!!
Lloyds banking group has 30 million retail customers, letting them go under was never an option.
The majority of Lloyds bonuses (120 million) are paid out to counter staff on £17K a year or less.
Why was it never an option to let them go under ?
We allow millions of people to die of starvation in the world and we can send armies to kill those that might survive ...
But if there`s a possibility that we won`t be able to pay bonuses to bank staff or ....heaven forbid .....we won`t be able to get a big fat juicy loan to by a fancy telly ....
All of a sudden it`s not an option because of the consequences !!!
Wake up ! We`re all being screwed ....take what ya can and run ...it can`t possibly last !!
So what would have happened to the savings of all the Lloyds customers or the companies that bank with them? The domino effect of all of Lloyds corporate customers going bust would have been catastrophic!
As you may not be aware Max but IF a bank was to go skint the Government would honour the first 50 grand I think...it may well be higher now.
I do still bank with Lloyds but I detest their arrogance, and if they were as good as chasing people for money owed to them via an overdraft charge, maybe just maybe they would not have found themselves in the situation they did.
They can lose billions of pounds through reckless means, yet can chase small individuals for what to them is peanuts very well indeed.
I think what I owe them they should take it out of my shares in their company...as a taxpayer.
Quote by john469
Do Lloyds offer an overdraft rate of 'fuck all per month' to muslims?
Wasnt it about fifteen quid or so?
Kenty might look good in a burkha.
Don't understand the above, except I would as ever look great in a burrrrrrrker!
I think Lloyds do a 'sharia compliant' account for muslims that isnt subject to interest or piss taking overdraft charges.
Not sure on the story, but I think it was doing the rounds about four months ago.
I wonder if you could find out if this is true?
IF it is true...then they are taking the piss even more, as why should one section of the community receive preferential treatment over other customers, based purely on their religion?
Quote by flower411
I just wish Lloyds would have been allowed, like any other business would have done, and gone under!
They are still even now at it, with their big fat bonuses. Greedy shits!!!
Lloyds banking group has 30 million retail customers, letting them go under was never an option.
The majority of Lloyds bonuses (120 million) are paid out to counter staff on £17K a year or less.
Why was it never an option to let them go under ?
We allow millions of people to die of starvation in the world and we can send armies to kill those that might survive ...
But if there`s a possibility that we won`t be able to pay bonuses to bank staff or ....heaven forbid .....we won`t be able to get a big fat juicy loan to by a fancy telly ....
All of a sudden it`s not an option because of the consequences !!!
Wake up ! We`re all being screwed ....take what ya can and run ...it can`t possibly last !!
So what would have happened to the savings of all the Lloyds customers or the companies that bank with them? The domino effect of all of Lloyds corporate customers going bust would have been catastrophic!
Exactly !!!
The point I`m making is that the money wasn`t there to save all the people who are starving in the world ...but it was there to send highly advanced armies to kill people we disagree with and it was there to pay bank bonuses and to ensure that loans were still available for people to buy luxury goods !!
I`m sure the starving people in the world would like us to find their plight "catastrophic" but we don`t !!
The bottom line is that some very rich bankers may have had to sell some assets and they weren`t going to let that happen so they pulled the politicians strings ....
It WILL all crash ....eventually. It`s inevitable .....Some people are aware and prepared ...others are not.
Had the banks failed, there may well have been a lot of UK citizens that would have been added to the numbers of the world's starving peoples.
The money was NOT there to fund the Afghan war nor to shore up the banks, it has been borrowed which is why we are up to our kneck in debt as a country. I'm no lover of the banks but the government had no option but to bail them out. If, as you say, it will all crash eventually, it won't matter how prepared anyone is, we will all be in deep deep shit.
Quote by danne-gary
i bank with lloydstsb and i was worried about the problems they had cus i had a lot of money in accounts there, however each account you have with them (or any other bank) is safe up to the amount of £35 grand so if you have more than that then have it in several accounts then its safe
Not true.
You are only covered up to whatever the limit is for all your accounts with the same wanker.
Remember that LloydsTotallyShitBank is also part of HBOS which also owns Halifax etc etc so there is no spread there at all!
In edit: sorry, that should be be banker...
Quote by kentswingers777
Do Lloyds offer an overdraft rate of 'fuck all per month' to muslims?
Wasnt it about fifteen quid or so?
Kenty might look good in a burkha.
Don't understand the above, except I would as ever look great in a burrrrrrrker!
I think Lloyds do a 'sharia compliant' account for muslims that isnt subject to interest or piss taking overdraft charges.
Not sure on the story, but I think it was doing the rounds about four months ago.
I wonder if you could find out if this is true?
IF it is true...then they are taking the piss even more, as why should one section of the community receive preferential treatment over other customers, based purely on their religion?
it is...
Well sorry.....but what a fucking joke...though I ain't laughing!
And people wonder why people get pissed off???
:x:x
Maybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
And people wonder why people get pissed off???
:x:xMaybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
Quote by kentswingers777
Well sorry.....but what a fucking joke...though I ain't laughing!
And people wonder why people get pissed off???
Maybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
Didn't realise you had one...
I do not...I thought Atheist was one?
Shame on Lloyds for their pandering.
Stories like this..well it is not a story is it?
No wonder there are so many problems in this country, when certain sections of the population get preferential treatment, purely based on religion.
It would never be allowed to happen if the same thing was happening based on colour....or would it?
Shame on Lloyds for their pandering.
Stories like this..well it is not a story is it?
No wonder there are so many problems in this country, when certain sections of the population get preferential treatment, purely based on religion.
It would never be allowed to happen if the same thing was happening based on colour....or would it?
Quote by foxylady2209
there is a simple answer to all this DON'T go overdrawn lol
new baby etc etc etc. YES i like this one suddenly having a BABY i always thought it took at least 9month
cplin
Obviously that isn't always possible. E|specially when something happens suddenly - illness, death, redundancy, But people can help themselves of course. Such as - - - -
Before a change in circumstances strikes - have a plan of what can go, what can be reduced, know which debts HAVE to be repaid, which ones can be deffered and which ones can hang on.
If the change happens - cut back immediately (don't wait for money to run out), talk to creditors about rearranging payments if possible, sell stuff (no NOT granny!), spend some of the redundancy getting the house into a more saleable shape (if that's possible). There is loads of advice out there - the best bit I came across was "pay the debts that will otherewise make you homeless (mortgage is an obvious one, but not the only one), then pay the ones that will result in CCJs and ignore the rest until you can deal with them". This would be after swapping the car for a smaller one/scooter/bike and other sensible changes.
I don't think we can judge someone who ends up in the more and say "tough you brought it on yorself". Of course, in some cases they have. But in many cases they are hit by changes they can't do much about.
I am stuck in a house I can't sell, with a 2 year fixed rate mortgage I can't change and there is a risk my job may be transferred to a different comapnay (without my permission) with a much higher risk of subsequent redundancy but with no years service to give me a reasonable redundnacy package. I would be, to use a technical term, screwed. What am I doing about it? Keeping my car (no debt on that) even though it's really too samll for all of us, paying all my debts as fast as I can (shame I have to increase them to pay son's Uni accomodation cos Student Finance are crap), not splashing out. But I could still end up badly in debt. Would it be my 'fault'? Hard to say. I suppose I could have told my son to drop out of uni, I could let the mortgage people have the house and try to survive on the small equity in it, but the house is my pension - the work one won't keep me.
Quote by kentswingers777
Well sorry.....but what a fucking joke...though I ain't laughing!
And people wonder why people get pissed off???
Maybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
No need......the article says that the account is open to non muslims too. You may have to become a student though!!
Quote by Max777
Well sorry.....but what a fucking joke...though I ain't laughing!
And people wonder why people get pissed off???
Maybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
No need......the article says that the account is open to non muslims too. You may have to become a student though!!
Ah, but would that be ethical?
Quote by kentswingers777
Well sorry.....but what a fucking joke...though I ain't laughing!
And people wonder why people get pissed off???
Maybe I should now change my religion.....and then won't have the piss taken out of me.
I am suprised this is legally allowed to happen but....we know that nobody has the guts to say so as the " your picking on us brigade " will crawl out from the Guardians central office.
:rotflmao::rotflmao::rotflmao::rotflmao:You did read the article didn't you?
Perhaps you need to go back and have another read of the "benefits" to having a sharia business bank account.
Dave_Notts
The " benefits " should be zero.
Can you imagine the outcry if there was an account at your local bank just for Catholics? Whatever the terms are I still find it offensive.
Why the fuck can't everyone not be treated the same fgs??
What a joke!
The Lloyds TSB Shariah Committee
Of course, you like to know who you’re doing business with. So here is an introduction to the Lloyds TSB Shariah Committee who worked with us to create the Islamic Business Account. They are internationally recognised for their knowledge and expertise in Islamic finance.
Sheikh Nizam Yaquby is a member of the Shariah Committee for several Islamic financial institutions. He has received an MSc in Finance (Canada) and is based in Bahrain. He has been a Professor of Tafsir, Hadith and Fiqh in Bahrain since 1976 and is the author of several articles and publications on Islamic finance in English and Arabic.
Dr Muhammed Imran Ashraf Usmani holds a PhD in Islamic Finance. He has also obtained degrees in Islamic Jurisprudence from Karachi. Dr Usmani is a faculty member of the Jamia Darul Uloom, Karachi and Institute of Business Administration (IBA), Karachi as well as the author of various books on Shariah.
Mufti Abdul Kadir Barkatulla is the Imam at the North London Finchley Mosque. He acquired a Mufti (diploma) in Islamic law and Fazil (Bachelor of Islamic studies) from the Islamic University, India. He also works as a supervisor at the Islamic helpline for Fatwa and as a TV presenter at Vectone Urdu.
Muhammad Nurullah Shikder is a Barrister-at-Law and has been the Imam at the Tunbridge Wells Mosque. He received a LLB degree from London Guildhall University. He advises individuals and businesses on Islamic finance and currently resides in Dubai.
Can you imagine the outcry if there was an account at your local bank just for Catholics? Whatever the terms are I still find it offensive.
Why the fuck can't everyone not be treated the same fgs??
What a joke!
The Lloyds TSB Shariah Committee
Of course, you like to know who you’re doing business with. So here is an introduction to the Lloyds TSB Shariah Committee who worked with us to create the Islamic Business Account. They are internationally recognised for their knowledge and expertise in Islamic finance.
Sheikh Nizam Yaquby is a member of the Shariah Committee for several Islamic financial institutions. He has received an MSc in Finance (Canada) and is based in Bahrain. He has been a Professor of Tafsir, Hadith and Fiqh in Bahrain since 1976 and is the author of several articles and publications on Islamic finance in English and Arabic.
Dr Muhammed Imran Ashraf Usmani holds a PhD in Islamic Finance. He has also obtained degrees in Islamic Jurisprudence from Karachi. Dr Usmani is a faculty member of the Jamia Darul Uloom, Karachi and Institute of Business Administration (IBA), Karachi as well as the author of various books on Shariah.
Mufti Abdul Kadir Barkatulla is the Imam at the North London Finchley Mosque. He acquired a Mufti (diploma) in Islamic law and Fazil (Bachelor of Islamic studies) from the Islamic University, India. He also works as a supervisor at the Islamic helpline for Fatwa and as a TV presenter at Vectone Urdu.
Muhammad Nurullah Shikder is a Barrister-at-Law and has been the Imam at the Tunbridge Wells Mosque. He received a LLB degree from London Guildhall University. He advises individuals and businesses on Islamic finance and currently resides in Dubai.
Quote by kentswingers777
The " benefits " should be zero.
Can you imagine the outcry if there was an account at your local bank just for Catholics? Whatever the terms are I still find it offensive.
Why the fuck can't everyone not be treated the same fgs??
What a joke!
The Lloyds TSB Shariah Committee
Of course, you like to know who you’re doing business with. So here is an introduction to the Lloyds TSB Shariah Committee who worked with us to create the Islamic Business Account. They are internationally recognised for their knowledge and expertise in Islamic finance.
Sheikh Nizam Yaquby is a member of the Shariah Committee for several Islamic financial institutions. He has received an MSc in Finance (Canada) and is based in Bahrain. He has been a Professor of Tafsir, Hadith and Fiqh in Bahrain since 1976 and is the author of several articles and publications on Islamic finance in English and Arabic.
Dr Muhammed Imran Ashraf Usmani holds a PhD in Islamic Finance. He has also obtained degrees in Islamic Jurisprudence from Karachi. Dr Usmani is a faculty member of the Jamia Darul Uloom, Karachi and Institute of Business Administration (IBA), Karachi as well as the author of various books on Shariah.
Mufti Abdul Kadir Barkatulla is the Imam at the North London Finchley Mosque. He acquired a Mufti (diploma) in Islamic law and Fazil (Bachelor of Islamic studies) from the Islamic University, India. He also works as a supervisor at the Islamic helpline for Fatwa and as a TV presenter at Vectone Urdu.
Muhammad Nurullah Shikder is a Barrister-at-Law and has been the Imam at the Tunbridge Wells Mosque. He received a LLB degree from London Guildhall University. He advises individuals and businesses on Islamic finance and currently resides in Dubai.
:rotflmao::rotflmao::rotflmao::rotflmao:The benefits are zero. Have you missed the bit about the detail of the bank account
Dave_Notts
Sex God
If anyone is interested in getting a bit of background to Islamic banking they might find this ingteresting. The section about half-way down headed Prinicples covers the main points.
Quote by foxylady2209
If anyone is interested in getting a bit of background to Islamic banking they might find this ingteresting. The section about half-way down headed Prinicples covers the main points.
Stop putting in facts. I have been howling with all the supposition with no basis
Dave_Notts
one of the tenets of islam is that interest is unatural and against god. islamic banks charge a fee to grant a loan, do not charge interest and do not pay interest. they (not being chartered) do not create credit by fractional reserve. this is one of the basies, besides allah sits on oil, that makes islam the enemy of the west.
to banks, not charging interest and not creating credit out of thin air, is financial terrorism. you should all read the merchant of venice and try to understand "a pound of flesh without drawing blood"....it's interest.
the bank's have created increased readily available credit at interest, greater than can ever be repaid. they are all bankrupt save the comitment by our governments to cover that which cannot be repaid by future revenue from the taxpayer. even though this money/credit does not exist yet, the bank's can mark down this future revenue as assets to cover the present losses but they are all farting in the wind as doo bye shows and is now must sell.
the bankers will pay themselves billions in bonuses from the taxpayer, thats what they've always done anyway, just people did'nt realise. they will increase bank charges and fees, they will borrow from the private central banks @ zero to .5% and lend to us @ increased spread of between 5 and 7% and 30% in their surrogate card services. they wont give a phuck that the money that goes to them wont be spent on medical care, ambulances, fire cover, education or pensioners. i say, arrest them !
to banks, not charging interest and not creating credit out of thin air, is financial terrorism. you should all read the merchant of venice and try to understand "a pound of flesh without drawing blood"....it's interest.
the bank's have created increased readily available credit at interest, greater than can ever be repaid. they are all bankrupt save the comitment by our governments to cover that which cannot be repaid by future revenue from the taxpayer. even though this money/credit does not exist yet, the bank's can mark down this future revenue as assets to cover the present losses but they are all farting in the wind as doo bye shows and is now must sell.
the bankers will pay themselves billions in bonuses from the taxpayer, thats what they've always done anyway, just people did'nt realise. they will increase bank charges and fees, they will borrow from the private central banks @ zero to .5% and lend to us @ increased spread of between 5 and 7% and 30% in their surrogate card services. they wont give a phuck that the money that goes to them wont be spent on medical care, ambulances, fire cover, education or pensioners. i say, arrest them !
which bankers ? all of them ! gulson off on a rant again ? good way of negating the content of my thread kenty. unfortunately, you aint seen nothin yet. the worst is yet to come cos them green shoots is dead weeds and anyone who believes the bullshit propaganda about us or anyone else coming out of recession must be smokin em.
Sex God
Nurse, nurse, he's out of bed again - NURSE!!
sumfin wrong wiv me. i puts me money in the bank, they give me .3% interest. they lends my money times 10 (fractional reserve) to me mates thru credit cards @ 28% and thru mortgages % 6.5% compounded ( ya borrows 200 grand and pay back 600 ova 25 yrs). me mates cant pay it back cos da banks stop lendin, (exponential increase in credit @ interest) causin terrible hardship, foreclosures and job losses (depression and deflation). then me money becomes worthless cos the banks print more money and cause mine to be worth less. (inflation). sumfin wrong with me, i musta bin asleep or in a coma ? foxy, call me a doctor not just a nurse.
Sex God
Quote by gulsonroad30664
sumfin wrong wiv me. i puts me money in the bank, they give me .3% interest. they lends my money times 10 (fractional reserve) to me mates thru credit cards @ 28% and thru mortgages % 6.5% compounded ( ya borrows 200 grand and pay back 600 ova 25 yrs). me mates cant pay it back cos da banks stop lendin, (exponential increase in credit @ interest) causin terrible hardship, foreclosures and job losses (depression and deflation). then me money becomes worthless cos the banks print more money and cause mine to be worth less. (inflation). sumfin wrong with me, i musta bin asleep or in a coma ? foxy, call me a doctor not just a nurse.
I think you need a grammaticist more.
Quote by john469
which bankers ? all of them ! gulson off on a rant again ? good way of negating the content of my thread kenty. unfortunately, you aint seen nothin yet. the worst is yet to come cos them green shoots is dead weeds and anyone who believes the bullshit propaganda about us or anyone else coming out of recession must be smokin em.
'all of them'?
thats me convinced.
name some names.
You mentioned the merchant of venice, if you know anything about that, you should be able to at least go into some specifics about 'the bankers' cant name names. i would probably be unjustifiably called anti-semitic which i am not.
Quote by gulsonroad30664
which bankers ? all of them ! gulson off on a rant again ? good way of negating the content of my thread kenty. unfortunately, you aint seen nothin yet. the worst is yet to come cos them green shoots is dead weeds and anyone who believes the bullshit propaganda about us or anyone else coming out of recession must be smokin em.
'all of them'?
thats me convinced.
name some names.
You mentioned the merchant of venice, if you know anything about that, you should be able to at least go into some specifics about 'the bankers' cant name names. i would probably be unjustifiably called anti-semitic which i am not.
Cannot seems about right.
/quote) all of us are overdrawn. the government did it on your behalf and will continue to do so for their masters that keep them on the gravy train.Quote by john469
which bankers ? all of them ! gulson off on a rant again ? good way of negating the content of my thread kenty. unfortunately, you aint seen nothin yet. the worst is yet to come cos them green shoots is dead weeds and anyone who believes the bullshit propaganda about us or anyone else coming out of recession must be smokin em.
'all of them'?
thats me convinced.
name some names.
You mentioned the merchant of venice, if you know anything about that, you should be able to at least go into some specifics about 'the bankers' cant name names. i would probably be unjustifiably called anti-semitic which i am not.
LOL, its not for you to define whether you are or are not anti semitic, its for those at the ADL to do so.
Thats why many hold the views you do, views which ironically enough are compunded by said policies of the ADL
Dont panic, I agree with your conclusions ;) what does "ADL" stand for ?
