Tagged: YouGov

Polling Companies and the Conservative Party

Guy Debord's Cat

Political parties, especially the Tories,  have a morbid fascination with polls. They see the polls and the companies that produce them as some sort of Delphic Oracle. What interests me isn’t the Tory fascination with polling companies but their involvement in them, since polling companies are always at pains to tell the general public that they are politically neutral. Yet, as any qualitative researcher will tell you, it is not possible to be 100% objective and put one’s ideology or cultural baggage to one side. The researcher must act self-reflexively. Bourdieu and Wacquant discussed this at some length in An Invitation to Reflexive Sociology. The researcher must consider their own position. Yet this idea of self-reflexivity appears to have escaped the pollsters. I have discovered that a number of Tory MPs are being paid by polling companies and there is no indication why they are being paid.

Polling companies…

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More than 30,000 potential voters in Newcastle and Gateshead have not registered

Tens of thousands of potential voters in the North East have dropped off the electoral register in what has been described as a “crisis of democratic engagement” in the UK.

In a series of worrying figures, one blackspot has been revealed as Newcastle where 18,000 have dropped off the register.

Worst affected is the Ouseburn ward in Newcastle East, home to many students, where there has been a 55% drop off of registered voters totalling 9,982, in the last year alone.

At the 2010 general election, Labour MP Nick Brown won Newcastle East with a 4,453 majority.

Other areas highlighted include Gateshead with a 12,962 drop off, Sunderland with 5,776 and Derwentside in Durham with 3,280.

They are among approximately 7.5 million people nationwide who are missing from national registers.

Labour leader Ed Miliband said: “This is not just a scandal, it is a disaster for our democracy.”

 

With the May 2015 general election fast approaching, efforts are being stepped up to get as many enrolled as possible before the April 20 deadline.

Independent campaign group Bite The Ballot highlighted the situation by designating last Thursday as National Voter Registration Day in a bid to get 250,000 to register.

> Last Thursday, eh ?  Did you know that ?  No, nor me.

I wonder how many of those missing voters it actually reached ?

Meanwhile the Electoral Commission has arranged for a reminder to appear on the Facebook page of every UK user of the social network.

It follows the Commission’s discovery – through polling by YouGov – that four in 10 people, and more than half (53%) of 18 to 24-year-olds, remain unaware that they can register to vote online.

Almost one million people have dropped off the electoral register since the implementation of Individual Electoral Registration (IER) last summer, mostly students, first time voters and those living in private rented accommodation and those from newer immigrant communities.

As a result of IER, rather than one person in a household registering everyone or a university signing up all its students in halls, each individual is now responsible for registering themselves. In addition, they have to supply a National Insurance number.

 

A Commons committee used the focus to renew its demands that government consider radical reforms to boost engagement and election turnout, including online voting, weekend elections, polling-day registration and a “none of the above” option.

> A “none of the above” option would be good. I’d go further and link the number of none of the above votes nationally to MP’s pay. The more there are, the less the MPs get.

At the 2010 general election, 16 million eligible voters – 34.9% of the electorate did not take part – more than voted for any one party.

Graham Allen MP, chairman of the Commons political and constitutional reform committee, said:

“This is not an acceptable state of affairs for a modern democracy.

“If we do not take urgent action to make elections more accessible to the public and convince them that it is worth voting we will be facing a crisis of democratic engagement.”

A Cabinet Office spokesman said:

“Over one million 16-24-year-olds have registered since the new system was introduced, and everyone else is being contacted directly and encouraged to use the new convenient online registration system. We’re also providing over £14 million of funding to support the costs of activities at a local and national level to maximise the number of people on the register.”

How to register

If you are 16 or over you can register through the Government website, www.gov.uk/register-to-vote .

You’ll need your National Insurance number, and the registration process takes around five minutes. It can also be done by post.

The process is also explained on the Bite the Ballot website on www.bitetheballot.co.uk/nvrd/

Source – Newcastle Evening Chronicle, 07 Feb 2015

Benefit Cuts Forcing Parents To Send Kids To School Hungry

The number of struggling families sending their children to school without breakfast has increased over the last year, a new poll suggests.

A survey by Kelloggs reveals that 38% of primary and secondary school teachers are seeing children arriving at school hungry every day.

And 21% said the number of kids who arrive at school hungry has increased over the last year, while only 2% said the number had decreased.

Of the 21% who said the situation was worsening, around 69% blamed the global economic downturn, while a shocking 56% put the increase down to benefit cuts.

48% said parents were struggling to find full-time work that paid enough to give their children breakfast.

However, 38% of teachers said long working long hours for some parent meant breakfast was no longer seen as an important meal.

Almost a third of the 873 teachers surveyed by YouGov, on behalf of Kelloggs, said they has witnessed a child fall asleep a class, blaming tiredness or fatigue caused by hunger or thirst.

The survey reveals that hunger is having a detrimental effect on the ability for children to learn. 75% of teachers said hunger was making children lethargic, while 62% said it left them unable to learn.

Almost 48% said hungry kids were more disruptive in class and 83% said children couldn’t concentrate in class. Only 1% said skipping breakfast made children better behaved in school, says Kelloggs.

Jill Rutter, head of research and policy at the Family and Childcare Trust, said:

“In one of the world’s richest nations it is disgraceful that nearly 40 per cent of teachers report having children arriving hungry at school every day.

“Missing breakfast has huge impact on children’s ability to concentrate, learn and behave, which affects their results and long-term outcomes.

“Governments in all parts of the UK now recognise that breakfast is essential, but there are too many children who still miss out.

“We are concerned that a third of teachers have felt compelled to bring in food for children who haven’t had breakfast.

“The Family and Childcare Trust encourages schools to take up the opportunities offered by Kellogg’s and set up a breakfast club. Such a small investment can make a real difference for our children, today and in the future.”

Kelloggs said they are increasing efforts to provide breakfast clubs to low-income families in deprived areas.

Paul Wheeler, a Kellogg’s spokesperson, said:

“It’s a crying shame that so many children are going to school without having eaten a basic breakfast.

“When your stomach’s rumbling it’s hard to concentrate on anything else, so it’s no small wonder we’re hearing about children becoming badly behaved and unwilling to learn when they’re hungry.

“That’s why over the past 16 years, Kellogg’s has set up more than 1,000 new breakfast clubs in some of the country’s most deprived areas.”

According to Kelloggs, around 85% of schools now have a breakfast club, with 54% saying the primary reason for setting one up is because of kids going to school hungry.

Source –  Welfare Weekly, 09 Jan 2015

http://www.welfareweekly.com/benefit-cuts-forcing-parents-send-kids-school-hungry/

One in 13 people in the North East face losing their homes this January

Thousands of people in the North East risk losing their homes this month, new research has revealed.

One in 13 rent or mortgage payers across the region are worried they will be unable to make payments this January, homeless charity Shelter has claimed.

The research, conducted in partnership with YouGov, also revealed 62% of people are already struggling to keep up with their housing costs.

The figures have prompted the charity to warn that ignoring money worries rather than seeking advice could lead to people’s home being put at risk.

A quarter of people in the region said they would feel too ashamed to ask for help if struggling with housing payments.

Shelter has seen a surge in the number of people visiting its website for advice on rent and mortgage arrears, and is urging anyone having difficulty meeting their housing costs to get help as early as possible.

One person who sought help was mother-of-two Katharine, who works unpredictable shifts and lives in constant fear she won’t be able to meet her rent payments each month.

Katherine said:

“I work every hour I can to support my family but each month I wonder if I’m going to able to make my rent, and I’m expecting things to be especially bad at Christmas, even though we cut back on spending as much as we could.

“I’ve borrowed money from family and even had to stop paying bills to keep the roof over my children’s heads.

“It’s horrible to start another year not knowing if I can afford to keep my home.”

Shelter’s helpline adviser Nadeem Khan said:

“Every day at Shelter we hear from people who are feeling overwhelmed by mounting rent or mortgage bills, as the increasing pressure of sky high housing costs continues to take its toll.

“Many have spent a long time thinking they have nowhere to turn and are often close to breaking point by the time they come to us. If you’re in this situation, it’s so important to remember you’re not alone and that help is available.

“I spoke to a lady recently who was sick with worry for months because she couldn’t meet her mortgage payments and felt too ashamed to ask for help. When finally a court notice landed on her doorstep she came to us and we were able to help the family keep their home.

“We all understand how tempting it is to bury your head in the sand, but advice from Shelter is only a click or a phone call away – so get advice early to prevent things from spiralling out of control.”

For free and independent advice from Shelter, visit shelter.org.uk or call the helpline on 0808 800 4444

Shelter’s top 5 tips to avoid eviction or repossession:

  1. Get expert advice. If you are struggling to pay your rent, talk to an expert adviser who can take you through your options and advise the next best steps for you. Visit www.shelter.org.uk/advice or call Shelter’s free helpline on 0808 800 4444.
  2. Make the mortgage or rent your priority. Paying your mortgage or rent should always be your number one priority. If you have other debts such as credit cards and phone bills you can take action to deal with these separately.
  3. Respond to letters and phone calls. It’s natural to want to keep your head down and hope it’ll sort itself out but it’s important to read everything your mortgage lender, landlord or letting agent sends to you. Keep records of every letter and phone call.
  4. Have a rainy day plan. It can take just one thing, like losing your job or falling ill, to put your home at risk. Avoid payday loans, there are usually much safer and cheaper alternatives.
  5. Turn up for court hearings. If the worst comes to the worst, make sure you attend the possession hearing so that you can put your case to the judge. If you don’t have legal representation you can be assigned a court duty solicitor on the day. Get advice as soon as you get the hearing date to give yourself the best possible chance.

    Source – Newcastle Evening Chronicle, 05 Jan 2015

Tories ‘Ruthlessly Targeting The Poor And Vulnerable’, Say Greens

Green Party Media Release:

Chancellor of the Exchequer George Osborne’s plans for a two year benefits freeze will once again penalise the most vulnerable in our society, says the Green Party, the only Westminster party committed to transforming the economy so that it works for the common good, not just the 1%.

Reacting to Osborne’s speech to the Conservative Party Conference today (September 29th), in which the Chancellor said a future Conservative government would freeze benefits paid to people of working age for two years, Natalie Bennett, Green Party Leader, said:

It is obvious our current economic model, as inexplicably praised by the Chancellor today, has failed. Tackling the deficit by ruthlessly targeting the poor and vulnerable is not what constitutes an economic recovery.

“We should acknowledge that we are a wealthy economy that can afford to pay decent benefits to everyone who needs them, as a decent, humane society should. That must be paid for by rich individuals and multinational companies paying their way – something that this government has notably failed to enforce.”

Responding to news that a future Conservative government would freeze working-age benefits and make further public spending cuts of £25bn, Molly Scott Cato MEP said:

Public debt is greater now than when the Tories came to office, demonstrating that public spending and welfare cuts have failed spectacularly in tackling the deficit. The truth is, austerity provides an excuse to punish the poorest in society, which is not only morally indefensible, it is also a false economy.

“Policies like the bedroom tax just push more people into the private rented sector which then costs the public more in housing benefit. Likewise, the increasing levels of poverty and inequality under the Coalition government impact on health and so pile more costs onto the health service. Greens believe in positive alternatives to austerity that would tackle the misery of poverty and address inequality; policies such as a citizens income, rent controls and a massive home insulation programme.”

Since the May 22 European elections, the Green Party has announced a string of progressive economic policies, which would deliver real change for the common good.

The Green Party’s 2015 General Election manifesto will include a Wealth Tax, and plans to deliver a £10 minimum wage for all by 2020, a Living Wage for all immediately, and a People’s Constitutional Convention to deliver meaningful constitutional and electoral reform.

The latest YouGov results for the Sunday Times have the Greens and Liberal Democrats both at 6% in voting intention.

Source –  Welfare News Service, 29 Sept 2014

http://welfarenewsservice.com/tories-ruthlessly-targeting-poor-vulnerable-say-greens/

212,000 People ‘Beaten Up For Being On Benefits’, Shocking Survey Reveals

Up to 212,000 people have been ‘beaten up for being on benefits’ as a direct result of the despicable ‘scrounger’ rhetoric in the media and ‘poverty porn’ TV programmes, a shocking new survey reveals today.

A survey by YouGov reveals the devastating impact of newspaper benefits propaganda, and ‘poverty porn’ programmes like Channel 4’s Benefits Street, on some of Britain’s poorest and most vulnerable citizens.

 The YouGov survey shows that up to 212,000 people have been attacked for being on benefits, while 11% had even been shunned by their own families.

YouGov asked 2,352 benefit claimants:

“Have you ever been verbally or physically abused because you are on benefits?”

15% said they had experienced verbal abuse and 4% admitted they had been physically assaulted.

If the survey had asked every single benefit claimant in the UK it would suggest that nearly 212,000 have been physically assaulted.

6% of respondents said their children had been victims of bullies, while 16% said they had been turned down for a home for being in receipt of benefits.

Campaigners and charities are now calling on the media and the government to end their use of socially divisive language, which is turning British society against itself.

Philipp Newis from the Who Benefits? campaign told the Daily Mirror:

“We’ve heard a lot of negative talk from politicians about benefit claimants, even though these are people who might need support for all sorts of reasons.

“Around 4.3million families receiving benefits are in work, but earning too little to get by.

“Many others are ill, caring for a loved one or have lost their job. It could happen to any one of us.”

The survey was carried out by YouGov on behalf of a number of charities including Gingerbread, MIND and the Children’s Society.

Its findings will be sent to a report which is investigating whether benefit claimants are being treated like second-class citizens.

Source – Welfare News Service,  09 Sept 2014

http://welfarenewsservice.com/212000-people-beaten-benefits-shocking-survey-reveals/

Almost A MILLION Working Families Skipping Meals To Pay The Rent

Almost a MILLION working parents are being forced to skip meals so that they can afford to pay the rent or mortgage, shocking new figures reveal.

A survey by YouGov, on behalf of the housing charity Shelter, has revealed that more than one in ten working families are going hungry to pay housing costs, while over a third admit they have cut back on buying food.

Shelter surveyed 10,000 parents and found that 10.5% had been forced to skip meals, which is equivalent to 880,000 if they had asked every single working family in the UK.

36.7% said they had cut back on how much they spend on food and 12.9% had put off buying shoes for their children. 9.7% said they had delayed purchasing school uniforms.

Government figures show that households spend, on average, 28% of their total income on housing costs. This rises to 40% in the private rental sector.

Shelter highlights the story of Katherine and her husband who both have full-time jobs but still struggle to pay their mortgage. “My husband and I don’t have breakfast because we can’t afford it, and we miss evening meals two or three times a month to help with the mortgage”, Katherine said.

She added: “We’ve really had to cut back on the basics, and I even had to send our daughter to school in an old uniform that I knew was too small; it made me feel horrible. We are already at breaking point, so I honestly don’t know what we’d do if our financial situation got worse; it really frightens me.”

Campbell Robb, chief executive of Shelter, said:

“No parent should be forced to choose between putting food on the table and paying for the roof over their children’s heads. These shocking figures show that millions of us are having to make these kind of agonising choices every day.

“Sky-high housing costs and cuts to support are leaving many families trapped on a financial knife-edge.”

Shadow Work and Pensions Secretary Rachel Reeves said: “This report provides shocking new evidence of how the Tories’ cost of living crisis is hitting hard-working families.

“While David Cameron says the economy is fixed, people who put in the hours to provide for their children are finding it harder and harder to make ends meet.”

The number of calls Shelter receives related to rent arrears has more than doubled in the last three years, and the majority of people regarded as living in poverty in the UK are in work.

Citizens Advice Chief Executive Gillian Guy said:

Housing costs have left some families standing on a financial cliff edge. Working households that have already cut back on spending to get by could find themselves in the red if interest rates go up.

“Citizens Advice research shows 3 in 5 households are worried about the impact of rising bills this year, with over half forced to cut spending to balance the books.

“The competing pressures of sky-high childcare bills, rising energy costs and wages which are consistently below inflation, mean many people are struggling to pay for the roof over their head.

“Citizens Advice dealt with nearly 87,000 social housing rent arrears problems last year, up 10 per cent from 2012.

“It is welcome news that more people are in work, putting more households in a position to get on top of their bills. However, with record numbers of people becoming self-employed and increased numbers of jobs with uncertain hours, families face increasing instability in their income.

“An interest rate rise would put some in a more precarious position, so any rise needs to be slow and steady in order for families to manage the extra cost.”

According to the latest figures, there has been a 19% rise in cases of malnutrition in the UK over the past twelve months. Food prices have risen by 12% in seven years, while average wages have only increased by 7.6% over the same period.

Tory Housing Minister Brandon Lewis said: “Contrary to Shelter’s claims, repossessions are actually at their lowest since 2007 and down almost a third since last year.

“Our efforts to tackle the record deficit we inherited have helped keep interest rates at a record low, meaning home ownership is at its most affordable since 2007 while private rent levels are falling in real terms.”

Source – Welfare News Service,  28 Aug 2014

http://welfarenewsservice.com/almost-million-working-families-skipping-meals-pay-rent/

300,000 Unemployed People Each Month Face ‘Five Week Wait’ For Benefits, New Research Shows

New research published  by the TUC reveals the future impact of a controversial new welfare reform – the five-week wait – on workers in North West England, with 39,000 newly unemployed people set to be hit each month.

Currently most workers who lose their job have to wait two weeks before they get their first benefit payment. But under new Universal Credit rules for assessing unemployment claims, most people will face a wait of more than five weeks before they get any money. This could mean going two months into rent arrears before any cash support arrives.

Across the UK, almost 300,000 people will be hit each month by the five-week wait. Despite this, recent polling by YouGov for the TUC has revealed that fewer than one in seven people (13 per cent) say they have heard of the plans. Seven out of ten people (70 per cent) say that they would be worried when asked to imagine losing their job and not being entitled to receive any benefit payments for five weeks. More than half (52 per cent) say it makes them think less favourably of the government’s welfare reforms.

The TUC’s new research reveals the monthly average number of newly unemployed people broken down by region, local authority (county and unitary) and constituency. This indicates how many people can be expected to be hit by the five-week wait when Universal Credit replaces workers’ current safety net benefits.

Across the region, Lancashire is the most affected local authority where over 5,000 people each month are expected to be hit by the five-week wait, in Manchester more than 3,600 people will be affected whilst in Liverpool just under 3,500 people will be affected.

These local authorities are amongst the biggest affected in the UK, ranked 4th, 9th and 11th respectively. The DWP’s own analysis suggests that the measure may increase claimants’ reliance on short-term loans.

The TUC has launched a new campaign, Saving Our Safety Net, to highlight the five-week wait and other welfare reforms that cut safety net protection for working people.

North West TUC Regional Secretary Lynn Collins said:

We know workers in the North West have suffered cuts in real earnings over the last 5 years, and will have relied on savings to get by, which means that many workers have no financial buffer if they lose their job. Help should be there when it is needed, but instead people will be left to rely on food banks and pay day loans to see them through the wait.

“Welfare reform is one thing but the five week wait is a collective punishment for anyone who loses their job. People need to focus on finding new work, instead of being stressed-out about how they will pay the rent, feed the kids and keep the heating on.

“Job security has got worse since the recession. Government ministers are out of touch and fail to understand the anxiety many people feel not knowing if they’ll still have work next month. If your job goes, the five-week wait puts you at greater risk of a downward spiral where you’re trapped in debt, lose your home, become ill from the stress and fall too far to climb back again.

“With these escalating bills, worsening job security and only a limited recovery in the jobs market, a 5 week wait could easily push many more families into poverty through no fault of their own. These people have paid for, and deserve, a safety net.

“We are launching the Saving Our Safety Net campaign to expose government welfare plans for what they are – cuts to the National Insurance safety net we’ve all paid into on the understanding that it will be there when we need it.”

Source – Welfare News Service 07 Aug 2014

http://welfarenewsservice.com/unemployed-people-each-month-face-five-week-wait-for-benefits/

Public Support For Axing ‘Bedroom Tax’ Has Never Been Higher

Nearly half of the British public are now opposed to the controversial ‘bedroom tax’, a poll by YouGov has revealed.

The  poll for The Sun found that 49% were opposed to the bedroom tax in July 2014, compared to 41% who still support the housing policy. This is in stark contradiction to March 2013, when 49% approved of cutting Housing Benefit for people under-occupying their social home and 38% disapproved.

Public support for the  tax has not been higher than 42% since November 2013, while opposition to the policy is now at its higher ever level, according to the poll.

 The poll comes after Liberal Democrat Leader Nick Clegg announced a dramatic U-turn on his party’s earlier support for the  tax. He said his party would seek to overhaul the policy, if it is still in government after the 2015 general election, by only penalising social housing tenants who refuse a smaller property.

 Clegg would also seek to exempt sick and disabled people who need an extra bedroom.

> Well he says that now. Come the 2015 election, should he by some unexplainable cosmic oversight still find himself in power, it might well be a different story.

Ditto all the main parties. They’ll tell you what they think you want to hear, right up to the moment they’ve got your vote. Beyond that, there’s no guarantees.

His U-turn was slammed by Labour who accused him of “unbelievable hypocrisy”, after the party voted in favour of the bedroom tax and paved the way for its introduction. Without the support of  Clegg’s party the policy would have fallen at the first hurdle.

Secretary to the Treasury Danny Alexander (Lib Dem MP) yesterday apologised to social housing tenants who had been evicted from their homes after fallen behind on their rent, as a direct result of the tax.

Under changes to housing benefit, introduced by the tory-led coalition government as part of widespread welfare reforms, social housing tenants deemed to be under-occupying a property must downsize to a smaller property, or contribute to their rent through a deduction in the amount of Housing Benefit they receive. The exact deduction depends upon how many spare bedrooms an affected household has in their home: 14% for one spare bedroom or 25% for two or more.

A study by the Department for Work and Pensions (DWP), sneaked out during David Cameron’s cabinet reshuffle, revealed that 59% of families affected by the bedroom tax are in arrears with their rent and less than 5% were able to downsize to a smaller property.

Despite the apparent failure and hardship caused by the under-occupation penalty, the Secretary of State for Work and Pensions, Iain Duncan Smith MP, somehow managed to hold on to his job – to the shock and dismay of many of our readers.

However, this sharp rise in the number of people opposed to the bedroom tax  may at least give some of our readers hope that one day we will see the back of this hated housing policy.

YouGov surveyed 692 adults between 16-17 July 2014. The results were ‘weighted’ to provide an accurate picture (as possible) of wider public opinion.

 Source – Welfare News Service,  18 July 2014
http://welfarenewsservice.com/public-support-axing-bedroom-tax-never-higher/

Beware of the loan sharks

Payday loan sharks have trapped an increasing number of Brits into unmanageable debts and new research has revealed that this problem is increasingly getting worse.

In fact, a new report from the charity StepChange showed that the number of people seeking relief from payday lenders has shot up by 82 per cent.

Worryingly most of those vulnerable people seeking help had racked up thousands of pounds worth of debt after taking out more than one loan.

According to StepChange, people seeking advice in 2013 held an average of three payday loans, but at least 13,800 had five or more. The average debt was £1,647, significantly more than the average person’s monthly income of £1,381.

Many people make the mistake of taking out a payday loan believing that it is “easy money”.

However, payday loan companies are little more than legalised loan sharks that prey on vulnerable and low-income people and trap them into a cycle of debt that they cannot get rid of.

Many firms such as Wonga charge annual percentage rates (APR) of 4214%. To put it in layman’s terms and get an idea of just how quickly debt can balloon out of control, if you took out a loan of £3000 at 20 per cent APR (way below the average) and made the minimum repayment of two per cent or £5 per month, it would take you a whopping 90 years to pay it all back.

That is just at 20 per cent APR. Not at 4214% which was correct at the time this story went to print.

Now it is worth noting that the Financial Conduct Authority (FCA) assumes responsibility for the regulation of consumer credit in April.

Mike O’Connor, Chief Executive of StepChange Debt Charity, said that he hopes the FCA will address some of these issues.

He added: “The widespread harm and misery caused by payday loans continue unabated. The industry has failed to address the problems causing untold misery and damage to financially vulnerable consumers across the UK”.
“We hope the FCA’s proposals will address some of the areas of consumer detriment, but on issues such as affordability checking, rollover and repeat borrowing, there is an urgent need for even more radical reform”.

Unfortunately that seems unlikely, when you consider the corporate interests in maintaining high debt levels.

In fact, the StepChange charity highlighted the case of one man whose original £200 debt grew to £1,851 in just three months, thanks to inflated interest rates.

And this highlights an important problem. Most people simply do not realise just how rapidly their debts can run into the thousands before they take out a loan.

Fewer people realise that payday loan firms such as Wonga have previously advised the government on how to deal with consumer debt in the UK.

This essentially means that the government is working alongside those very companies who help to trap people into debt in the first place.

Further research conducted by YouGov for StepChange Debt Charity found that at least 26.3 million people had been offered high-interest credit such as payday loans via unsolicited marketing calls or texts.

These are often taken up by vulnerable, or desperate people who are uneducated about the high costs of loans.

And in most schools across the UK, financial management is not part of the curriculum.

Therefore, if you are struggling with money problems, avoid payday loan companies at all costs. It is better to speak to an independent charity or financial advisor who will offer help and advice for free and advise you on ways that you can make your budget go further.

> Or credit unions.

Source –  Akashic Times,  28 Feb 2014

http://akashictimes.co.uk/beware-of-the-loan-sharks-charity-highlights-predatory-behaviour-of-payday-lenders/