When you’re desperate, you’ll do anything for money: Sell your cherished record collection, sleep with your best friends mum, appear in an Ocean Finance advert. That was the sad choice the actors in the latest Ocean Finance advert had to make. Poor desperate fools.
And you know, it’s this kind of desperation that fuels loans companies. Because they’re essentially the psychics of the money world. They seek out the desperate and needy and squeeze every penny they can out of them (I suppose, for the sake of fairness, I should add: “in a perfectly legal way”).
“I’m getting a man’s name. Jon? No. James? No. Bill? Yes! No. Bill, Bill… err, bills! Now, what sort of bills? Credit cards? Car HP? Mortgage? All of them? Bingo!”
And adverts for these loan companies are great manipulators. They twist your debt-addled mush-like brain into thinking that getting a loan will free you from the hardship of life, stop the rain falling from the sky and maybe even make your kids slightly less ugly.
The Ocean Finance advert continues this trend. It’s an apocalyptic scene. Shot with the colour drained from the lives of a couple (let’s call them Barry and Jeanette for ease of reference) who live in a horrific 70’s house, with a run down crap-mobile parked on the drive and, oh dear God, look at the state of that lawn. We’re offered a glimpse of the neighbour’s house and that looks like a palace in comparison (”I wish we could have a conservatory, Jeanette, I really do.”). But there’s no time for dreams about conservatories, Barry, you’ve got to cut the grass.
But hang on, it gets worse. He’s so far in the red he’s having to use a vacuum cleaner that an elderly relative left him in their will about 10 years ago instead of a mower. In fact, cutting the grass with the vacuum cleaner is so hard and Barry is so badly in debt that he starts hallucinating. (Note to Barry: Hallucinogenic drugs are also a good way to escape the realities of life).

The vacuum cleaner explodes. The dog runs away (”Et tu, Rover?”). Barry looks to the sky in despair. Jeanette and the kids want to kill themselves. I just can’t see a way for them to get out of this hell hole…
Fortunately a loan from Ocean Finance has put the colour back in their lives. It also puts a new car on the drive, a conservatory on the back of the house, a new, less scraggy dog in their kennel. Barry can now afford what he’s always longed for: a ride-on mower. The kids are happy and by the look he gives Jeanette, Barry is finally getting some action again. Aren’t loans fantastic?
OK, so I accept that we can’t all be Alvin Hall (I for one look ridiculous in a bow tie and blazer), and most of us have probably borrowed money but (Warning! Unqualified financial advice approaching) if you are in financial trouble and have to take the desperate step of securing another loan against your house (which could be repossessed if you do not keep up payments) then don’t spend the money on a FUCKING RIDE-ON MOWER!
This advert and the number of loans companies advertising on TV at the moment is really a very sad tribute to the buy-now-pay-later, possessions-make-you-happy culture that we live in and it’s nothing short of despicable.
(Phew! Glad to get that one off my chest. Right, I’m off to call Picture Loans. The wife needs breast enlargement surgury and I fancy a platinum Prince Albert to impress the lads at the rugby club. Tut ta.)
Judge for yourself.