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What feels like a scam but is completely legal
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Getting out of bed and just living.
It's just one big scam .
It feels like medieval times when the poor where taxed into extreme poverty whilst the rich land owners got fat and fornicated got gout and syphilis.
We need a modern day Robin Hood.
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Insurance of any kind.
But hiring a car these days forcing to get the extra excess cover...
Life insurance
House insurance building and contents.
Car insurance.
Pet insurance.
Holiday insurance.
Extended warranty insurance.
Gap insurance.
Critical illness cover.....
You can go on and on, fact is rich folks don't need pretty much all of these as if shit goes wrong they can pay.
We common folks are given the scare tactics, then when you do try to claim the old small print kicks in.
Legalised theft. |
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By (user no longer on site)
over a year ago
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MLMs
Was contacted by one, just after I graduated. Went to the job interview and worked out it was full of BS. Was told id be on a 50K salary after 4 Months as if.. |
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By (user no longer on site)
over a year ago
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"AND.....
When I pay by phone in the local car park it costs 20p more than using the machine.
Explain that !"
I presume the extra is because you didn’t choose the turn off the option for a “reminder” message. They set it to default and you need to disable it to avoid the extra charge. |
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"AND.....
When I pay by phone in the local car park it costs 20p more than using the machine.
Explain that !
I presume the extra is because you didn’t choose the turn off the option for a “reminder” message. They set it to default and you need to disable it to avoid the extra charge."
I did not know that. Thanks  |
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By (user no longer on site)
over a year ago
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Car insurance. It goes up every year and when I question them, they always ask me if I've been quoted a better price for them to beat. Why can't they just give me the best price!
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By *batMan
over a year ago
Alicante, Spain. (Sometimes in Wales) |
"Paying to print out your own concert tickets"
This!!! Plus a booking fee.
If you can't buy it without a booking fee, then surely it's part of the price?
Gbat |
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This looks like a scam but it totally isn’t:
Dear __________ bank manager,
Please pay Felix Cash Enterprises by direct debit the amount of one meellion pounds monthly.
Account number ____________
Sort code ___/____/___
Date __________
Signed ____________ |
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"Paying tax on pension contributions 
And then paying tax when you draw the actual pension. 
It feels criminal?! "
What!!!
I thought your pension contribution was taken before your tax, so in effect you earned slightly less and saved a few pence in tax?
Rip off! |
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By *ohn KanakaMan
over a year ago
Not all that North of North London |
I give money to a man so he can give it to the bank so that he can own the flat I live in. But the bank won't let me give them less money direct to them so that I can own the flat myself |
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By *orny PTMan
over a year ago
Peterborough |
"Getting out of bed and just living.
It's just one big scam .
It feels like medieval times when the poor where taxed into extreme poverty whilst the rich land owners got fat and fornicated got gout and syphilis.
We need a modern day Robin Hood.
"
Carol Voederman? |
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"Paying tax on pension contributions
And then paying tax when you draw the actual pension.
It feels criminal?!
What!!!
I thought your pension contribution was taken before your tax, so in effect you earned slightly less and saved a few pence in tax?
Rip off!"
Hot take :
It is, pension deductions are pre tax but then you pay the income tax on it at a later date when you draw it down
Unless you are paying in so much to your pension that you have breached the upper limit, in which case you should be taxed, because lets be honest that would just be yet another a loophole for the rich to avoid income tax |
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By *orny PTMan
over a year ago
Peterborough |
"I give money to a man so he can give it to the bank so that he can own the flat I live in. But the bank won't let me give them less money direct to them so that I can own the flat myself"
Been there and it stinks. No: not your place the buy to let landlord scandal. |
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"Paying £1.99 to take my own money out of the cash machine "
Another unpopular opinion : it costs money to run those machines , power them, fill them, count them, maintain them. Most aren’t even owned by banks. And you pay for the convenience of it being at the end of your street 24/7 rather than having to go to a branch between 9-4 during the week.
I hate paying it myself but i can totally see why these businesses charge |
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"Concert tickets!
I always end up buying them all and getting money back in dribs and drabs, the having to wait ages for the show!"
On the same subject...
Booking charges... Whaaaaaat! I mean Whaaat are they for? |
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By (user no longer on site)
over a year ago
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"Paying tax on pension contributions
And then paying tax when you draw the actual pension.
It feels criminal?!
What!!!
I thought your pension contribution was taken before your tax, so in effect you earned slightly less and saved a few pence in tax?
Rip off!"
Until you reach a certain amount 
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By (user no longer on site)
over a year ago
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"Paying tax on pension contributions
And then paying tax when you draw the actual pension.
It feels criminal?! "
you don't pay tax on pension contributions tho ... Tax gets added back. |
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By (user no longer on site)
over a year ago
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"Paying tax on pension contributions
And then paying tax when you draw the actual pension.
It feels criminal?!
What!!!
I thought your pension contribution was taken before your tax, so in effect you earned slightly less and saved a few pence in tax?
Rip off!
Until you reach a certain amount
"
aha. That amount is 40k pa. Or £1m in total. |
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By *riel13Woman
over a year ago
Northampton |
"I give money to a man so he can give it to the bank so that he can own the flat I live in. But the bank won't let me give them less money direct to them so that I can own the flat myself
Been there and it stinks. No: not your place the buy to let landlord scandal."
If there was no buy to let, people that currently rent, would be able to afford to buy their own places. |
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By *ohn KanakaMan
over a year ago
Not all that North of North London |
"Concert tickets!
I always end up buying them all and getting money back in dribs and drabs, the having to wait ages for the show!
On the same subject...
Booking charges... Whaaaaaat! I mean Whaaat are they for? "
I particularly like being charged for an e-ticket! |
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Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold |
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Concert tickets.
Artists/bands charging tons for tickets.
And all the added fees on top of the ticket price.
If you want to go to a sporting event, like football, you're told the entire ticket price upfront and that's that. If you want to go to a concert there's the ticket price, more expensive the closer you are to the stage, and the booking fee, and the venue fee, and the person pressing the button fee, and the looking at tickets fee, breathing fee etc |
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"Concert tickets.
Artists/bands charging tons for tickets.
And all the added fees on top of the ticket price.
If you want to go to a sporting event, like football, you're told the entire ticket price upfront and that's that. If you want to go to a concert there's the ticket price, more expensive the closer you are to the stage, and the booking fee, and the venue fee, and the person pressing the button fee, and the looking at tickets fee, breathing fee etc"
Its not usually the bands / artists charging that much. Its the promoters and venues , but yes would it really hurt to just provide a price and thats it
Also booking fee per ticket rather than order is a joke , same admin either way |
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By *odevilWoman
over a year ago
exeter |
"Insurance of any kind.
But hiring a car these days forcing to get the extra excess cover...
Life insurance
House insurance building and contents.
Car insurance.
Pet insurance.
Holiday insurance.
Extended warranty insurance.
Gap insurance.
Critical illness cover.....
You can go on and on, fact is rich folks don't need pretty much all of these as if shit goes wrong they can pay.
We common folks are given the scare tactics, then when you do try to claim the old small print kicks in.
Legalised theft."
EXACTLY THIS |
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By *eediousMan
over a year ago
Smallville |
"Paying tax on pension contributions
And then paying tax when you draw the actual pension.
It feels criminal?! you don't pay tax on pension contributions tho ... Tax gets added back. "
Exactly. If you have been paying tax before pension contributions are reduced, you have a right to claim money back from HMRC for up to 4 or 6 years back, not sure whether it’s 4 or 6 years but you should look into it. |
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By *eediousMan
over a year ago
Smallville |
"Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold "
Yeah, they tax you for the privilege of buying a house and then when you decide to sell it, they take a share of the property value increase too! Pay when you buy and pay when you sell.
When you look at it closely, you feel like it’s some kind of mafia operations. Lol |
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By *eediousMan
over a year ago
Smallville |
"I give money to a man so he can give it to the bank so that he can own the flat I live in. But the bank won't let me give them less money direct to them so that I can own the flat myself"
Haha, why should the bank take less money from you instead of more money from your landlord? Welcome to capitalism, lol. |
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"20p to use the train or bus station toilets"
In Europe most loos have a attendant who cleans the loo it's common practice to leave a euro or two upon exit, so 20p is a bargain.
In that there London village place it's a quid to use. |
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By *ty31Man
over a year ago
NW London |
"20p to use the train or bus station toilets
In Europe most loos have a attendant who cleans the loo it's common practice to leave a euro or two upon exit, so 20p is a bargain.
In that there London village place it's a quid to use."
At least you can jump the turnstile  |
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"Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold
Yeah, they tax you for the privilege of buying a house and then when you decide to sell it, they take a share of the property value increase too! Pay when you buy and pay when you sell.
When you look at it closely, you feel like it’s some kind of mafia operations. Lol"
you don't get taxed on the sale |
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By (user no longer on site)
over a year ago
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"Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold
Yeah, they tax you for the privilege of buying a house and then when you decide to sell it, they take a share of the property value increase too! Pay when you buy and pay when you sell.
When you look at it closely, you feel like it’s some kind of mafia operations. Lol
you don't get taxed on the sale"
It can fall into capital gains tax. |
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By (user no longer on site)
over a year ago
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"[Removed by poster at 30/01/23 23:03:32]"
Someone please correct me if I'm wrong but I heard big earners have to pay 40%! Tax on earnings.
Makes me think it's almost not worth earning big money. |
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"Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold
Yeah, they tax you for the privilege of buying a house and then when you decide to sell it, they take a share of the property value increase too! Pay when you buy and pay when you sell.
When you look at it closely, you feel like it’s some kind of mafia operations. Lol
you don't get taxed on the sale
It can fall into capital gains tax."
Only if its not your place of residence |
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By (user no longer on site)
over a year ago
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Parking fines. I've had many and sometimes for only pulling over to read a sign. The time it takes me to read the sign about parking is enough for the camera to send me a fine in the post.
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"[Removed by poster at 30/01/23 23:03:32]
Someone please correct me if I'm wrong but I heard big earners have to pay 40%! Tax on earnings.
Makes me think it's almost not worth earning big money."
Depends what you are measuring. Effective tax rate (total tax paid over total tax earned) lower paid workers have a higher effective rate usually
But yes as a high earner after a certain point if you get a pay rise you will likely see less than half of it after tax , Ni, pension |
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By *lynJMan
over a year ago
Morden |
"[Removed by poster at 30/01/23 23:03:32]
Someone please correct me if I'm wrong but I heard big earners have to pay 40%! Tax on earnings.
Makes me think it's almost not worth earning big money.
Depends what you are measuring. Effective tax rate (total tax paid over total tax earned) lower paid workers have a higher effective rate usually
But yes as a high earner after a certain point if you get a pay rise you will likely see less than half of it after tax , Ni, pension "
Not to mention loss of personal allowance. There's also a 45% rate of tax |
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By (user no longer on site)
over a year ago
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"Stamp duty on buying a house
WTF is being stamped and why does it cost way more to stamp whatever it is for a £500k property over a £100k property...its just the government taking a slice out of any potential profit you might make when you sell it (do they give you a refund if you lose money? do they fuck!)
Official scam tax for the privilege of owning somewhere to shelter from the rain and cold
Yeah, they tax you for the privilege of buying a house and then when you decide to sell it, they take a share of the property value increase too! Pay when you buy and pay when you sell.
When you look at it closely, you feel like it’s some kind of mafia operations. Lol
you don't get taxed on the sale
It can fall into capital gains tax.
Only if its not your place of residence "
Very true. I was thinking outside the box. |
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By (user no longer on site)
over a year ago
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"Printer ink cartridges.
Costs about 4 times as much as the printer itself & lasts about 5 minutes.."
I have had an Epson ECO Tank for 4 years and only halfway through the ink! Only £10 a bottle to fill the tanks. |
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By (user no longer on site)
over a year ago
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Banks lending money- banks lending us money and charging interest on something they don't actually have and is not actually money but a iou typed into a computer. |
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By *orny PTMan
over a year ago
Peterborough |
"Parking fines. I've had many and sometimes for only pulling over to read a sign. The time it takes me to read the sign about parking is enough for the camera to send me a fine in the post.
"
I've just seen BlackbeltBarrister on Youtube.
"In order to accept the agreement of being in said carpark you need to know the terms and conditions. Being denied time to read these terms and conditions are unfair and can, nay should be challenged as denial of the right to exercise the right to decline this agreement (that is park here pay the fees, break those rules pay the fine/charges),".
Basically they are screwing you by not offering a cooling off period, ie time to read, decide and leave.
This needs a change in the law. Challenge it.
https://www.youtube.com/watch?v=OP0YWzxrsNA |
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