Banks fall over themselves to lend to rich customers who promise
large glittering deposits and low risks. They tempt them with sweet
deals and low rates. The less well-off are treated very
differently. Many at the bottom are denied credit from mainstream
lenders, or forced to pay higher premiums. In the wake of the
financial crisis, more of us are slipping into this category. We
are compelled to find credit elsewhere. Payday loans are therefore
on the rise. Loan Sharks lifts the lid on this industry and exposes
the growing power that it wields. Documenting the rise of the
industry with detailed evidence, Carl Packman shows that, although
there have always been loan sharks, there has never anything as
large and powerful as the current set of payday loan companies
operating virtually unchecked in the mainstream of the UK. But this
book goes further than simply analysing the problems: it also
offers an honest discussion about practical solutions.
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