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Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.
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.
Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.
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