Der Report, der unter anderem auch die Situation in Deutschland kurz darstellt, tritt für die Einführung einer Wucherzinsregelung ein, sowie eine weitgehende Reform des britischen Bankensystems. Der Report widerlegt auch einen Forschungsbericht des britischen Industrie- und Handelsministerium (jetzt das Ministerium für Unternehmen, Innovation und Qualifikationen, BIS), der behauptet, dass Leute mit niedrigem Einkommen in Deutschland und Frankreich durch Zinskappungen gegenüber Großbritannien benachteiligt sind.
Eine Kopie des Reports kann kostenlos auf dieser Seite heruntergeladen werden:
http://www.neweconomics.org/fairlending
25/11/2009
Doorstep Robbery
Why the UK needs a fair lending law
The very poorest people in the UK are paying thousands of pounds to legal loans sharks who charge them over the odds for something that most of us can easily access at the bank: credit. This report calls for immediate Government action to curb high-cost predatory lending.
Nine million people in the UK don’t have access to credit from banks, so have no choice but to use rip-off lenders: The cost of a loan of £100 with a company such as Provident Financial can be £49.50 – nearly 50 per cent of the amount borrowed, or an APR of 545.2 per cent. A loan from a payday lender costs even more; to borrow £100, lenders charge £25 for one month – an annual percentage rate of nearly 1300 per cent. These lenders charge whatever they want – the sky is the limit.
So far the Government has failed to implement proper legislation that would stop these predatory lenders. This report recommends several actions that policymakers could implement now to tackle the problem, such as introducing a UK version of the Community Reinvestment Act seen in the USA, a cap on the total cost of credit, the abolition of credit dependency and an investigation into the impacts of interest rate caps on poor households. |
