Page 2 | Offering Klarna on Deliveroo is a new low

Lunar270 · 2022-10-14T05:53:41+00:00

Usually I'm on the fence with lenders and credit. Adults should be able to manage themselves but credit companies definitely prey on the most vulnerable (including those less financially literate). But suddenly offering credit on Deliveroo seems a despicable move, especially in the current climate. I suspect some will say, don't use it, but I can't help thinking that many will out of desperation. Or perhaps credit just won't be available to those who are the most desperate? YABU: it won't make any difference. YANBU: It's going to promote a negative spiral for the vulnerable.

use47 · 14/10/2022 09:15

Last year, near Halloween I got an ad for Squid World dress up costumes that could be paid on Klana. Yep, dress up as a person in such deep debt that they are in a deadly game show, and pay on the tick. Surreal.

Donchah · 14/10/2022 09:19

Squid world 😂

Ihatethenewlook · 14/10/2022 09:24

Afterfire · 14/10/2022 07:40

Initially I was horrified but to be honest what’s the difference between someone using credit to pay for a take away they can’t afford or fancy shoes they can’t afford? Same thing. Still irresponsible borrowing.

I use Klarna a lot. I like the fact I can order a shit load of stuff from h and m or Asos and only pay for what I keep. But that’s how I use it - I don’t use it for credit as such. Although it is credit. It’s more like giving me the option to have a virtual changing room.

People have always been able to use credit cards for whatever they like.

This. I don’t get the hysteria over it. People will either get in debt, or they won’t. Between credit cards, store credit, payday loans, PayPal, klarna/clearpay etc, if people want to borrow money and get in debt, they will. My idiot sisters in at least 20k in debt (that’s she’s admitted to) with loans, buts she’s just managed to get 6k credit from some furniture store and kitted her entire house out. The checks on these can’t be very good. Morally it probably is a shitty way to make money out of people, I don’t think an iota of blame lies with these companies though. I use klarna all the time, but in a sensible way

EscapeRoomToTheSun · 14/10/2022 09:33

Sugar and fat are as addictive as alcohol. I do not believe you should be able to buy alcohol, gamble, or buy a takeaway on credit.
And I say that as someone with a long history of addiction I'm not pearl clutching it's just facts.

InCheesusWeTrust · 14/10/2022 09:36

sandytooth · 14/10/2022 07:03

I'd understand if it was just on the food delivery from a shop. Like oh I can't afford milk and bread this close to payday I'll have to klarna it from deliveroo. But yeah not on a fancy takeaway.

You don't have to klarna it via deliveroo. Frankly no one in financial problems should be using a really over priced service.

You can just klarna it in ASDA...

Panauchocolat25 · 14/10/2022 09:41

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Panauchocolat25 · 14/10/2022 09:42

I agree. If you can't afford a takeaway you shouldn't be having a takeaway. Or wait a few days to get paid then have one. Takeaways are bloody expensive now I don't have them much even though I can afford it.

InCheesusWeTrust · 14/10/2022 09:50

The small joy of a takeaway is huge in that context. The warmth, the fat and sugar hit etc etc. Very hard to avoid, less expensive and dangerous than many other escapist coping mechanisms.

what you do is what us without money normally did, buy ready meal for that instead of takeaway costing 7x more minimum.

While I think the availability of credit is not ok in UK, people do need to take responsibility too. As harsh as that is, it's a problem from both sides.

InCheesusWeTrust · 14/10/2022 09:53

Panauchocolat25 · 14/10/2022 09:42

I agree. If you can't afford a takeaway you shouldn't be having a takeaway. Or wait a few days to get paid then have one. Takeaways are bloody expensive now I don't have them much even though I can afford it.

Deliveroo also does groceries but again with mark up on top and delivery charge. So basic ls could easily cost you 2x as much as yhey would in shop.

Anyone who I know who ever had money issue was very aware of where their pounds went and this would be ridiculous to most unless you are house bound and have absolutely no other options. Would rather klarna it online directly eith retailer though

Thegreymethod · 14/10/2022 10:05

I don't know much about klarna and I'm not saying I agree with using it for a take away, but the poster who tried to suggest making an omelette or having egg on toast in response to a comment about craving a take away really made me laugh, not in a good way.
I've been in positions where I've been skint and waiting for pay day and honestly a take away might have been just what I needed to get through, something to look forward too an omelette would not have had the same effect.

And also someone said klarna is solving a problem that doesn't exists because people can just use a credit card...... not everyone has or can get a credit card so it is solving a problem for those people.

gogohmm · 14/10/2022 11:57

The general rule I was brought up with and follow is that credit shouldn't outlive the product, simplistic rule but works. House: 25 years is fine as it's still there is 25 years time, car: 5 years is ok as it should last that long if fairly new. Sofa companies offer 4 years, again they last. Clothing for a specific event paying over 3 months seems ok, for cheap stuff I don't buy unless I have the money to hand (mostly I buy second hand anyway)

Manekinek0 · 14/10/2022 12:18

Of course it won't make any difference. PayPal's pay in 3 has been available for ages on just eat. People will spiral into debt regardless because wages are too low.

AnApparitionQuipped · 14/10/2022 12:24

The real issue is the wealth divide in this country that means some people need to use credit for small, every day purchases.

I tend to agree that a takeaway is a luxury you can't afford if it needs to go on credit, but I can understand why someone who was miserable and in debt anyway might think 'sod it' and have one.

LaurieFairyCake · 14/10/2022 12:30

It's literally the last throws of capitalism and the very end of the hell it is

When you have to buy washing powder on the never-never life is FUCKED

Afterfire · 14/10/2022 13:10

AnApparitionQuipped · 14/10/2022 12:24

The real issue is the wealth divide in this country that means some people need to use credit for small, every day purchases.

I tend to agree that a takeaway is a luxury you can't afford if it needs to go on credit, but I can understand why someone who was miserable and in debt anyway might think 'sod it' and have one.

Exactly this.

OhmygodDont · 14/10/2022 13:21

I use klarna for things over £100 normally because I’d rather have the rest of the amount sat in my bank. Can’t say I’ve seen it on my credit report I shall go look. Never been late or missed a payment either though.

butterfliedtwo · 14/10/2022 13:28

I've been in positions where I've been skint and waiting for pay day and honestly a take away might have been just what I needed to get through, something to look forward too an omelette would not have had the same effect.

Agree.

MRSE20 · 14/10/2022 13:35

As someone who stupidly got themselves in debt at 18 years old from payday loans - I would of also probably stupidly of bought takeaways on it using Klarna if that had been available at the time.

I think some would use this sensibly, and some wouldn’t

I used to blame all the credit options available to me at the time but now being 10 years older I think it was just me being irresponsible

theinfomationactionratio · 14/10/2022 23:19

BarbaraofSeville · 14/10/2022 07:30

Their argument is that people can pay over time without interest unlike credit cards or overdrafts and is useful for essentials when money has run out before payday, which sounds fair enough.

However, it surely must be far more expensive to get your groceries from Deliveroo than a supermarket? No-one is going to bring you a fiver's worth of bread, milk, eggs and beans to your door without adding a significant mark up to make it worth their while are they?

But in reality, it's likely going to be used more by the 'fancy a takeaway but don't have the cash today' people, and is an expensive way of getting takeaway anyway, because of the cost of Deliveroo's cut, plus the risk of people sleepwalking into building up debt that they can't afford to repay and kicking the can down the road about getting help dealing with it.

But it's not surprising from a company with such an exploitative business model, perhaps it's a sign of their desperation. I'm not sure they'll have that long for the world. They don't make a profit and it's all propped up by cheap debt so might come crashing down anyway.

Of course it's going to be more expensive to order groceries on deliveroo or whatever app it is but honestly some people don't have the luxury of choice! Being 'poor' costs more, It can come down to, pay over the odds but in instalments or go hungry....... , if someone has £5 left at the end of the month and they can get £15 worth of food and pay it in instalments then you've got to do what you've got to do!! Being skint is shit, what's the difference in paying for a take away on klarna or paying with a credit card? I don't know anything about klarna I've never used it nor do I have a credit card but to me it sounds the same idea? Neither is ideal I agree but it feels like this is just a way for people who've never been in that position to look down their noses and try and police the little people who are to thick to think for themselves.

mummalog · 14/10/2022 23:40

YANBU

BarbaraofSeville · 15/10/2022 07:55

@theinfomationactionratio

You don't know anything about me or 'the position I've never been in'.

My childhood was Victorian by MN standards. 5 DC in a small 3 bed house. Never having the 'right' labels or branded anything to fit in, endless making do and being told no. No car so shopping was a 3 mile round trip on foot to the cheaper supermarket and everyone over 5 had to carry a bag home and the rest went under by baby brother's pram. Being embarrassed about having shopping and packed lunches from Netto etc, because it wasn't socially acceptable then and people in school took the piss. A year of no income when my dad was a striking miner.

I've been poor as an adult too, DP was made redundant, days after we bought our first house and all the insurance sold to us was worthless. Then the business he started up failed, leaving us in serious debt. No, I've never been short of money, oh no

But MN seems to think that no-one who is poor or struggling should ever have to cut their cloth, or do without anything they might want or take responsibility. Nor are they capable of doing anything constructive to make the best of the situation. Instead they must do as they please and blame someone else.

theinfomationactionratio · 15/10/2022 15:35

BarbaraofSeville · 15/10/2022 07:55

@theinfomationactionratio

You don't know anything about me or 'the position I've never been in'.

My childhood was Victorian by MN standards. 5 DC in a small 3 bed house. Never having the 'right' labels or branded anything to fit in, endless making do and being told no. No car so shopping was a 3 mile round trip on foot to the cheaper supermarket and everyone over 5 had to carry a bag home and the rest went under by baby brother's pram. Being embarrassed about having shopping and packed lunches from Netto etc, because it wasn't socially acceptable then and people in school took the piss. A year of no income when my dad was a striking miner.

I've been poor as an adult too, DP was made redundant, days after we bought our first house and all the insurance sold to us was worthless. Then the business he started up failed, leaving us in serious debt. No, I've never been short of money, oh no

But MN seems to think that no-one who is poor or struggling should ever have to cut their cloth, or do without anything they might want or take responsibility. Nor are they capable of doing anything constructive to make the best of the situation. Instead they must do as they please and blame someone else.

I didn't comment on your financial status I just pointed out that when you're living pay day to pay day sometimes you have to make decisions that people with money might think seems ridiculous.