Being at home with a baby means that inevitably you will catch some of this ‘daytime’ TV nonsense – and it really is nonsense.
Daytime TV is basically a mixture of magazine style, chit chat style programming (Jeremy Kyle, This Morning, Loose Women) followed by a load of programming about home improvements or selling off antiques. All very dull stuff, but what is even worse than this, is the advertisements in between.
It’s so interesting to see how our society has evolved – I remember a few years ago it was all Accident and Injury lawyer ads, “Had a bad fall at work? Thought about making a claim for your sprained ankle?” followed by an extra going “My employer was happy that I sued because it meant they got to improve their health and safety guidelines” – yes I am SURE you employer was thrilled.
These days in 2013, it is all about the Pay Day Loans. Although presumably, if they’re on all day long, they’re not exactly targeting the people who are in consistent work. These are companies that in another breath would be called loan sharks, who feed on those who are cash strapped, vulnerable, have no where else to turn for money. They offer smallish loans usually up to a few thousand pounds quickly, and apply ridiculous high interest rates on top. Let’s examine a few of these adverts I keep seeing.
1. Cashlady (banned version)
Oh Kerry. In case you didn’t know Kerry Katona has been bankrupt before after failing to pay a tax bill, and you would’ve thought she would be the last person you would turn to for financial advice, a bit like Katie Price telling you how to have a long lasting relationship.
The original advert (the one above) was banned after ASA (Advertising Standards Authority) received complaints that the advert was sending the wrong message, quote “Fast cash for fast lives”. Anyone watching the above advert would think that Cash Lady was Kerry Katona and she had somehow come out of bankruptcy with a new slim figure, new hair and was shitting money out of her lipo bottom – but of course that is not the reality for normal people struggling financially.
Even worse, the advert could be seen as an advertisement for the celebrity lifestyle – need a bit of money for that designer handbag? Try Cash Lady! That for me is also extremely wrong because whilst yes, the correct thing to do is to wait for things and save sensibly there in inevitably the pressure to have things here and now, but with interest rates of over 2000% p/a, you are just asking for trouble.
This is an advert I saw today and I actually got fooled for a moment and thought it was an advert for something sensible because of the ‘homely’ and ‘friendly’ tone of the advert (not like Cash Lady for example) and the use normal people in everyday situations. When I realised it was another one of these Pay Day lines I got really annoyed.
This advert is suggesting that people (have you noticed how middle class they all look?) should be using extremely high interest short term loans for essentials like; a shelf; school uniforms; a washing machine which is a way of normalizing these kinds of loans WHICH WE DO NOT WANT TO DO AS A SOCIETY. Even worse, they show a young lad, who looks about 18 using a loan to get – what – an electric guitar! That well known essential. What could be worse than someone who has just finished college into the never ending spiral of pointless debt?
Wonga is the original BIG BOY of pay day short term loans – they’ve recently launched these weird puppet type adverts with elderly puppets, no doubt as a way to stand out in a now crowded market. I don’t what I find more offensive – the ugly puppets (sorry Betty) or their over simplification of the process of lending from a company like theirs. JUST 15 MINUTES! EASY EASY EASY! But it’s easy to not be able to afford to pay the money back the following month, then what? You borrow again…then again….then again…
People get into debt for all kinds of reasons, not just from spending irresponsibly, sometimes the cost of living is just too much. And that’s the problem with these horrible companies who try and act like they’re just there to help – they’re not, they’re just feeding off people who are in a difficult situation.
Agree or disagree? Do you hate any other kinds of TV adverts? I can’t stand double glazing ones!