Cry Baby of the Week

Cry-Baby: George, 66

The incident: George is a pensioner who took out a student loan of $4,000 in 1999, he hasn’t paid a cent back since he got the loan as he hasn’t earned enough to cross the threshold for repayments. Good luck or good management? Who knows? However he is now on the pension and it pays him enough to cross the threshold for repayments on his long outstanding student loan.

The appropriate response: Behave like a responsible citizen and pay what is owed, when it is required.

The actual response: George, 66 runs off to the media complaining that the government is hacking into his pension and stealing his money. 

He believes that the pension is sacrosanct and shouldn’t be touched for him to spend how he wants. What he doesn’t want to do is spend any of it on paying his student loan back.

A Hutt Valley man – who would only be known as George, 66 – says the government started “hacking” into his pension without permission.

He received a letter from Work and Income telling him of an automatic $13 increase in his fortnightly superannuation payments, from $644.16 to $657.46.

The increase, George was told, took it above the threshold required in order to pay back a $4000 student loan that he took out in 1999 to upskill to find more work.

“The government is hacking in to my pension without my permission. To me the pension should be untouchable.”

Until qualifying for the pension in May 2011, his earnings were limited to either the unemployment benefit, a benefit for caring for his dying mother, part-time work, or fulltime salaries well below the threshold.

“I wanted to work for more than 10 years, but I was not able to get consistent employment so my income suffered.”

He believed the pension was a payment to “stop people starving in the streets”, and using it to pay another government agency was “way over the top”, he said.

“It’s money I desperately need. Like most pensioners, I need all the pension to live.”

George, 66 is a bludger, he doesn’t deserve to called a pensioner or a super-annuitant. He is a scum sucking bludger with an over-inflated sense of entitlement.

At what stage was this bludger ever going to repay his loan? I don’t think he was ever going to do it and expect the government to pick up the tab when he croaks. It isn’t like he sounds like he has any assets or other money, he is a dead set broken-arsed bludger.

He should eat cat-food, and if he can’t afford gourmet cat-food then the he is in luck because the supermarkets all sell budget cat-food. He can stop eating cat-food when he pays his loan back.


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  • 4077th

    Pay up grandpa..

  • More poor reporting – they never tell you how much his student loan repayment is. I think it is in the order of $4.50 per fortnight. which is a lot less than his increase.

  • Over the last 66 years George, and all the other George’s, have regularly said the following things –

    1. Rich pricks should pay “their fair share” in taxes (unlike him who has contributed nothing in over 6 decades)
    2. “They” work hard to keep blokes like me down, mate
    3. I’m unemployed because of the Government
    4. Look at that rich bastard (to the successful self made businessman driving by)

    Oh how I long for a system where pensions “genuinely” reflect the contribution made in the decades prior to receiving it, rather than handed out willy nilly to everybody, most of whom are undeserving – housewives, bludgers, unemployed people get nothing and sleep under bridges; successful people get a pension as a ‘thank you’ for their contribution to NZ.

    Cannot think of a greater incentive for productive work than that.

    • rockape

      Wouldnt go as far as you re pensions dependant on wealth. That said graduated pensions are a good idea. In the UK 38 years work gets you full pension ,reduced by 1/38th for every year you work less than that.

      • johnbronkhorst

        You can make up the difference with a lump sum, if less than 38 years.

  • RightNow

    The information in the article would indicate he doesn’t have to make any payments:
    “increase in his fortnightly superannuation payments, from $644.16 to $657.46.”
    “all student loan borrowers, earning over $367 weekly or $734 fortnightly, were required to pay back their loans”
    I also plugged his pension ($17093.96) into the Studen Loan calculator at the IRD website ( ) and it said:
    “As your income is less than the repayment threshold, you’re not required to make any repayments towards your loan.”

    So he’s not above the threshold based solely on his pension. He must have other income we’re not being told about.

    • BJ

      Probably interest on his mother’s legacy to him. Typical – carried all the way to his grave by mummy and the taxpayer.

      • BJ

        Did I hit a nerve with 3 people?

    • JC

      Yeah, that was my immediate guess. He does cashies, declares what he has to and is plugged into his “dying” mums assets. He perhaps needs to convince some people he’s on the bones of his bum (his mum?), hence the article which he can flash around.


    • Dexter

      Not quite correct. The super amount you used is nett of tax. His gross super is 19606 which is above the threshold. so he does have to pay, I am in the same position but have no objection to paying – it is a loan after all!

  • unsol

    MSM is such a crock of shit. The repayment is less than the increase. Bloody sensationalist assholes. I am so sick of bullshit stories like this – I mean what the hell is going on, has Helen bought our media out with her new found millions…..or Shearer with his missing millions?

    These so-called valid reasons they list in defence of poor old George are the epitome of everything that is wrong with this country:

    “The government is hacking in to my pension without my permission. To me the pension should be untouchable.”

    Until qualifying for the pension in May 2011, his earnings were limited to either the unemployment benefit, a benefit for caring for his dying mother, part-time work, or fulltime salaries well below the threshold.

    “I wanted to work for more than 10 years, but I was not able to get consistent employment so my income suffered.”

    Newsflash to George: your pension is not your pension. You have not paid the taxes required to make it your pension. It is money we – the nett taxpayer – have graciously bestowed upon you because that is the humane thing to do.

    Spending merely $4000 to “up skill” is BS. If you are unskilled it takes far more than $4k to up skill. That is merely 1 year’s fees. My guess it was some silly expensive little course that had no real guarantee of better work or even a job at the end of it. Feeding off the taxpayer’s tit means you don’t have the luxury to go on random courses of the off chance it will generate a better way. You have to do this the hard way – turn up on time, work hard, ask your employer if there are things you can do voluntarily so you can be a put up for a better position. After all, if you are only working 40 hours then you definitely have the time.

    Benefit so you can care for your dying mother – I have no issue with that. Absolutely happy to pay this.

    But full-time salary below the student loan threshold – fuck off, what a crock of shit. You are lying George. The minimum wage was $8.50 in 2003. So 40 hours = $17680. The student loan threshold was $15,964 so you should have been paying the loan back from as early as 2003.

    And as for being unemployed – laziness. You were bludging off the taxpayer during times where opportunity was every which way, when unemployment was very low, where anyone could almost get their foot in any kind of industry.

    You have no one to blame for your missed opportunities to be in a better position by retirement, than yourself.

    And as for the loan – you borrowed it, you pay it back. Tough shit.

    And don’t get me wrong – I have far more grace than many people on this blog, but welfare is temporary assistance for circumstances beyond your control.

    Except for your mother passing away, you have failed to prove your case has any validity.

    • johnbronkhorst

      Not much to add except….Absa…fucking ..lutely!!!!!!!!!!!!!!!

      • BJ

        2nd that

    • In Vino Veritas

      And I’ll 3rd it. Well said unsol.

    • disqus_wMsITO4Q42

      Excellent – well put.

  • tarkwin

    Wonder what his idea of “upskilling” was? Labour were in back then, so it was probably basket weaving or twilight golf.

  • Patrick

    Not the first pensioner to supplement their income via student loans. I know of others signing up for dodgy art classes to qualify for a loan

  • Moves

    the figures quoted are probably net not gross, The student loan repayment thresh hold is based on gross. Any which way he also qualifies as an oxygen thief.

  • steve and monique

    Hey George, sounds like your not that educated, night school for dummies would be a better idea; it is called a “loan” for a reason you numpty! My tax has covered your self-entitled arse for long enough now pay up and shut up!

  • Peej

    George quite simply has that bludger attitude. Accepting that, maybe he could be allowed some leeway for the entertainment he has provided and the exercise he has excited in being one of the main avenues for us venting our spleens.
    I respectfully suggest he approach his MP for humanitarian relief on the grounds that what he owes is actually equal to less than one and a half days worth of Tim Groser’s hand out this year.

    • Patrick

      There is a fair chance that NZ Inc has benefitted from Groser’s toil over the years, even taking into consideration the generous salary the taxpayer funds. There is little indication that NZ Inc has benefitted in any shape or form from a lifetime of George’s endeavours, unless you want to consider a mornings entertainment on the WOBH blog.

  • Gazzaw

    Student loans should not be available to anyone over 50 without an absolute guarantee of repayment including a lien on their estate if need be. I say this as a person in their 60s and still working hard to subsidise bludgers of all age groups. George is a bludger.

  • flashman

    He’s a Baby Boomer, so he’s used to getting it for free. Free tertiary education, affordable housing prices, ample job opportunities, free healthcare. Guess what, times have changed – and it happened on the Baby Boomers’ watch. All of us Gen X, Y and the younger Baby Boomers will be picking up the tab for the Georges for a long time yet, believe me.

    • Gazzaw

      A correction or two about baby boomers Flashers. Tertiary wasn’t free unless you won a scholarship. Most students paid about 200 pounds per subject per year. That at a time when the average wage was about 800 pounds. We paid for it by working in the holidays and with a second job. I worked in the woolstores and on the wharf. Free tertiary for baby boomers is an urban myth. Free healthcare? Wrong again we paid 8 cents in the dollar earned as a social security tax to pay for health and retirement. Affordable housing? Yes, housing was cheaper but finance wasn’t with first mortgages up to 11% and the balance as a second mortgage at 22%. You could get a cheap state loan as a ‘oncer’ but you had to live out in the boonies.

      I’m a baby boomer & still working not only keeping old bludgers like George going but also infinitely more Gen X & Y bludgers who should be fucken well doing their bit but aren’t.

      One more thing. We are the first generation faced with a double whammy by having to fork out not only for our very aged parents retirement but also for our kids tertiary.

      • flashman

        Well I guess we can all find stats that will support our point of view, and exceptions to the rule. No doubt we could go back and forth with that all day.

        I think one thing we’re all agreed on though, is the Georges are a pain.

        One thing I will disagree with is that, “we [Boomers] are the first generation faced with a double whammy…” etc. For as long as humans have been around, people (families) have supported the older generation when they’re too frail to work, and have helped the next generation to get established. The Boomers are different – they are the FIRST generation ever to have a lot of state assistance to do that. Many Boomers do see this as a “double whammy” and they don’t see it for what it really is – a big improvement on what their parents and grandparents ever had off the state. This is what I’m saying about (OK, some not all) Boomers wanting it all for free, while at the same time changing the rules for Gen Y.

        I’m much too old to be a Gen Y by the way, and have paid my own way.

        • Gazzaw

          I know exactly where you’re coming from about the 1930’s UK families. I hail from a Sheffield steelworking family. Whilst not wanting society to revert to those dreadful days we could learn a thing or two from our Chinese immigrants in family communal living. Grandparents looked after by their children and in return they look after the grandkids while the parents work. How often do you see Chinese in resthomes?

      • Pissedoffyouth

        A small correction Gazza, inflation was also quite high so that 11% interest rate doesn’t mean that much. And the inflation ate away the principle quite nicely too.
        Other than that good analysis.

        • Gazzaw

          I’ll buy that POY. One huge step forward for Gen Y home buyers is the ability in most cases to just take out one mortgage at say 6%. For our first two homes we had to get a 30% deposit, borrow half on a first mortgage at 11% and the balance as a second mortgage at 22%. Generally you had about five years to pay off the second mortgage so paying both mortgages for the first five years was bloody tough. The banks had it all their own way and at the time that we borrowed in 1975 our BNZ was rationing home loans at two per month.

  • williamabong

    Two grand for fucked Mazda Familia, two grand on Lion Red and Pall Mall filter thats the four grand smoked, now cry like a bitch to anyone that will listen to try and get out of paying the dosh back, fair money says he lives in either a state house or a council flat, and you can bet Loopy Len is his hero.