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The real rip-off culture? Part One
An article covering the story of campaigner Steve Perry, author of 'When Payday Loans Go Wrong'.
By: Chris Skinner Source: Financial Services Club Blog Date: August 05, 2011
"Further to my write-up about Wonga the other day, I have been contacted by author and campaigner Steve Perry, who has been on the wrong side of the payday loans industry.
Now don’t get me wrong.
I am NOT against payday loans firms or their operations (I actually admire Wonga's technology ops).
I AM against the uncapped interest these firms charge on their vulnerable customers.
However, this also needs to be qualified in terms of who are 'vulnerable customers' and who actually charges 'rip-off' rates and how.
For example, Wonga have also contacted me to put their side of the story and made clear that they do not target 'vulnerable' people with 'rip-off' rates.
Read Monday's blog to see what their take on the world is, particularly as my original piece was kicked off by the Wired magazine coverage of Wonga.
In that coverage were two issues.
First, the line in the article that stated: “within a year, Wonga had issued 100,000 loans, worth £20 million, earning about £15 million by charging interest at an eyewatering headline rate.”
I had a fundamental issue with a firm making those sort of rates of profits on loans, but Wonga tell me their margins are nowhere near these levels and, having met with them, I will take that as fact.
Second, the star letter that followed in Wired the following month saying: “When I could no longer repay a Wonga loan, it took 50 days of ringing and emailing to get through – an £800 loan became a £1,700 repayment.” Steve Perry
As mentioned, Steve contacted me following the blog entry and I discovered that he is a person who got into serious trouble using payday loans. Wonga tell me they are not a payday firm, which again I will explain on Monday.
A teacher’s creation! This is a highly enjoyable witty fictional book centred around school life and the dreaded Ofsted Inspection. The fictional Beaver's Brook Primary School had received a justifiably scathing report . . . The fragile lives of the teachers are held open to scrutiny and ridicule. Their hopes and aspirations crumble beneath a diatribe of no-holds-barred mockery, in which love, ambition, jealousy, passion, guilt and innocence collide - with disastrous consequences. Have you read this book? Share your thought here. Find out more: Mystery Deceit and a School Inspector
Mammograms Save Lives By Avril Dalziel Saunders Avril was diagnosed with breast cancer in March 2011. After a mammogram she was called back to receive the devastating news that she had breast cancer. She felt well, had no symptoms, had never smoked, ate a healthy diet and exercised regularly, so how could this be? There was no explanation, it can happen to anyone! Author Avril Dalziel Saunders says ‘…I want to inspire and encourage these women as well as women all over the world to have regular checks. …my profit from the book sales will go to Breast Cancer Care and Macmillan Nurses. I am shouting this out loud…‘MAMMOGRAMS SAVE LIVES!’… Find out more “Inspiring and triumphant” …publishedbestsellers.com Genre: Coping with illness and specific conditions ISBN: 978-1-907728-36-5 Publication Date: 23 February 2012 Edition/Format: 1st/Paperback Book Size: 203 x 127 mm 70pp
Read the review of the book 'In all Probability' by The Truth About Books . Hold on. Not so fast. Just when you think it’s just another day…. An assassin with a unique technique, an almost-was soccer star and a bitter long-forgotten one-hit-wonder pop star are just a few of the random characters who turn up within the stories in this book. Each are loveable in their own different ways and are doing their very best to dodge Lady Luck’s sadistic target practice. Heroes they are not. This all happens within “In All Probability” the first collection of Steve Morris’s diverse short stories. And do they all live happily ever after? In all probability- probably not. Find out more: In all Probability