FabSwingers.com forum: What feels like a scam but is completely legal

By *usman 199 OP Man
over a year ago

Stockport

Hi everyone hope you Sunday is going well

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By (user no longer on site)
over a year ago

Cryptocurrency

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By *omtom21100Man
over a year ago

Fareham/Portchester

Everything when booking with Ryanair…

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By (user no longer on site)
over a year ago

Paying for air for your tyres.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

Energy prices

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By (user no longer on site)
over a year ago

Being charged to take your own money out of cash machines at motor way services

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By (user no longer on site)
over a year ago

Fab

Payed three times now

Still no fwb

What a swizz

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By *riel13Woman
over a year ago

Northampton

The 40 hour working week... Capitalism... Our education system...

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By *ools and the brainCouple
over a year ago

couple, us we him her.

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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By *ixieAndHerKingCouple
over a year ago

Debauchery

Hotel parking charges. Literally fucking you up the arse dry for the pleasure of staying at their hotel.

Cherry x

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By (user no longer on site)
over a year ago

TV licence

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By (user no longer on site)
over a year ago

Fab

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By *aizyWoman
over a year ago

west midlands

Paying 20p to use a public loo

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By *ools and the brainCouple
over a year ago

couple, us we him her.

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 *ranny-CrumpetWoman
over a year ago

The Town by The Cross

Paying to print out your own concert tickets

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

AND.....

When I pay by phone in the local car park it costs 20p more than using the machine.

Explain that !

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By (user no longer on site)
over a year ago

Put on hold by the tax office for over an hour and charged.

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By *arkus1812Man
over a year ago

Lifes departure lounge NN9 Northamptonshire East not West MidlandsMidlands

"Paying to print out your own concert tickets"

Especially when you have already paid a booking fee for the privilege of buying the tickets

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By (user no longer on site)
over a year ago

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 *vilgasamWoman
over a year ago

The dot in the i

"The 40 hour working week... Capitalism... Our education system... "

Beat me to it

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By *iger4uWoman
over a year ago

In my happy place

Work.

So many handouts for those who won't.

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By *ools and the brainCouple
over a year ago

couple, us we him her.

Everything about air travel.

Rail travel.

Congestion charge and emissions zone.

Paying for a Toll on a bridge that was paid off years ago.

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By *rFoxAndXenoCouple
over a year ago

Weymouth

"The 40 hour working week... Capitalism... Our education system... "

Yep, work is a total scam

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By *aomilatteCouple
over a year ago

Midlands

Sky TV

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By (user no longer on site)
over a year ago

"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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By (user no longer on site)
over a year ago

Paying tax on pension contributions

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By (user no longer on site)
over a year ago

Politicians

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By *ools and the brainCouple
over a year ago

couple, us we him her.

Genuinely considering going off grid, selling up everything.

Problem is that this is a small island and there's nowhere to be able to live off Grid.

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By *ovetolick78Man
over a year ago

The Shire

Lack of help for single working parents

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By *cottish guy 555Man
over a year ago

London

"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

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 (user no longer on site)
over a year ago

Anything to do with art. Grifters the lot of them.

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By (user no longer on site)
over a year ago

Most insurance policies.

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By *arkus1812Man
over a year ago

Lifes departure lounge NN9 Northamptonshire East not West MidlandsMidlands

"Paying tax on pension contributions

And then paying tax when you draw the actual pension.

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By (user no longer on site)
over a year ago

Anything with “green” in the title.

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By *ools and the brainCouple
over a year ago

couple, us we him her.

Buying a car new or second hand.

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By (user no longer on site)
over a year ago

Paying £1.99 to take my own money out of the cash machine

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By (user no longer on site)
over a year ago

TV licence

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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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By *elix SightedMan
over a year ago

Cloud 8

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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By *hrista BellendWoman
over a year ago

surrounded by twinkly lights

Paying to use the toilets

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By (user no longer on site)
over a year ago

Hospital car parking. I do not go there for a nice day out

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By *ang bang bangity bangCouple
over a year ago

Sunderland

Tax

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By *riel13Woman
over a year ago

Northampton

Anything that days, cruelty free/animal friendly

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By *riel13Woman
over a year ago

Northampton

Ethically sorced..

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By (user no longer on site)
over a year ago

"Paying tax on pension contributions

And then paying tax when you draw the actual pension.

It feels criminal?!

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By (user no longer on site)
over a year ago

Tax

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By *imi_RougeWoman
over a year ago

Portsmouth

Life in general...

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By (user no longer on site)
over a year ago

Rent.. House around the corner from me £950 pm

It would been £450/£500 a few months ago

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By *irkby coupleCouple
over a year ago

Kirkby

"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 *irkby coupleCouple
over a year ago

Kirkby

EBay, when ever I buy something that cost more then a few quid, I’m always worried incase I’ve been rip-off and the item doesn’t turn up.

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By *irkby coupleCouple
over a year ago

Kirkby

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!

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By *ools and the brainCouple
over a year ago

couple, us we him her.

Garage labour charges.

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By *asterR and slut mayaMan
over a year ago

Bradford

Nurses paying for parking at hospitals

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By (user no longer on site)
over a year ago

Religion

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By *eyDJMan
over a year ago

Willenhall

I doing fine today thanks

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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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By *itonthesideWoman
over a year ago

Glasgow

"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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By *orny PTMan
over a year ago

Peterborough

Petrol prices: rocket and feathers! Quick to go up, slow to come down.

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By (user no longer on site)
over a year ago

"Nurses paying for parking at hospitals "

Other members of staff are available

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By *itonthesideWoman
over a year ago

Glasgow

"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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By *ackformore100Man
over a year ago

Tin town

Fucking speed cameras and fucking smart cunting motorways.. Bastard things

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By *ackformore100Man
over a year ago

Tin town

"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

"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

"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

"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 *uddy laneMan
over a year ago

dudley

Political parties.

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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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By *elvet RopeMan
over a year ago

by the big field

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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By *batMan
over a year ago

Alicante, Spain. (Sometimes in Wales)

It's a tax, just called something else.

Gbat

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By (user no longer on site)
over a year ago

VAT why should people have to pay it

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By *igerstyle2k2Man
over a year ago

Oxfordshire

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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By *itonthesideWoman
over a year ago

Glasgow

"Concert tickets.

Artists/bands charging tons for tickets.

And all the added fees on top of the ticket price.

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 *orny PTMan
over a year ago

Peterborough

Employment agencies denying sick pay and the Governments allowing it to happen. Shame on them.

Long term agency workers are denied redundancy pay too, even after being their for two years...."because the agency will get them work next week." That is a lie!

Sickening

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By *orny PTMan
over a year ago

Peterborough

Estate agent fees!

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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 *nabelle21Woman
over a year ago

B38

"Employment agencies denying sick pay and the Governments allowing it to happen. Shame on them.

Long term agency workers are denied redundancy pay too, even after being their for two years...."because the agency will get them work next week." That is a lie!

Sickening

I've been at my job for 8 yrs and they do not oay sick pay. That in itself is sickening!

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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

[Removed by poster at 30/01/23 07:54:52]

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By *oeBeansMan
over a year ago

Derby

20p to use the train or bus station toilets

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By *eediousMan
over a year ago

Smallville

"Stamp duty on buying a house

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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By *ools and the brainCouple
over a year ago

couple, us we him her.

"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 *ris GrayMan
over a year ago

Dorchester

Traffic police..... Enough said

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By (user no longer on site)
over a year ago

You are buying a house and then yoi have yo pay an estate agent to do a search.

As if it hasn't been done already in the same area a million times over.

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By *odgerMooreMan
over a year ago

Carlisle

Marriage!! Too early?? Too cynical?

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By (user no longer on site)
over a year ago

Life

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By *oupleformeetCouple
over a year ago

london

some bloke cakked Zawahi

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By *orny PTMan
over a year ago

Peterborough

"Fucking speed cameras and fucking smart cunting motorways.. Bastard things "

Northampton police: They've got money for cameras but not a single penny for speed signs!

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By (user no longer on site)
over a year ago

Fab

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By *escourtesMan
over a year ago

hereford

television license!

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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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By *r LickalotapussMan
over a year ago

London

All politicians

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By *elvet RopeMan
over a year ago

by the big field

"Stamp duty on buying a house

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

"Stamp duty on buying a house

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

[Removed by poster at 30/01/23 23:03:32]

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By (user no longer on site)
over a year ago

"[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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By *itonthesideWoman
over a year ago

Glasgow

"Stamp duty on buying a house

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

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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By *itonthesideWoman
over a year ago

Glasgow

"[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

"Stamp duty on buying a house

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

Printer ink cartridges.

Costs about 4 times as much as the printer itself & lasts about 5 minutes..

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By (user no longer on site)
over a year ago

Bottled water in fancy packaging at extortionate prices..sainsbury's charging 30p for a carrier bag advertising their company on it

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By *ty31Man
over a year ago

NW London

Congestion Charge, ULEZ, the war on the motorist in general.

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By (user no longer on site)
over a year ago

80% air in a bag of crisp

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By *lynJMan
over a year ago

Morden

"Printer ink cartridges.

Costs about 4 times as much as the printer itself & lasts about 5 minutes.."

It's usually cheaper to buy a new printer.

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By (user no longer on site)
over a year ago

"80% air in a bag of crisp "

Especially the multi pack ones.

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By (user no longer on site)
over a year ago

"80% air in a bag of crisp

Especially the multi pack ones. "

Don't get me started on the multi pack

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By *elvet RopeMan
over a year ago

by the big field

"80% air in a bag of crisp "

It’s actually nitrogen (or an air/nitrogen mix- can’t remember the specifics) that helps keep the crisps fresh…so it does have an actual use

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By (user no longer on site)
over a year ago

"Being charged to take your own money out of cash machines at motor way services "

Haven't used cash for years!

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By (user no longer on site)
over a year ago

"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

These things are legal but they're all scams. If you know the law, you can legally rob people.

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By (user no longer on site)
over a year ago

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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