Illegal Money Lending in Sligo Presentation at RAPID National Event February 8th 2012.

Slides:

Advertisements

Similar presentations

Credit Unions Prioritising Social Gain (an approach to Micro Credit) Presentation to Open Days 2007 on Micro Credit 10 th October 2007 Liam ODwyer, CEO.

Advertisements

Budget. A financial plan drawn up for an individual, a family, a business or a government. It is usually for a period of a month or a year. Done right.

Universal Access to Affordable Credit Jenny Rossiter Urban Development Consultant.

Northern Money Conference 2012 Six Years Back Six Years Forward Mark Lyonette Chief Executive ABCUL Credit Unions

1. Electrical Community Scheme Presented by David Sanderson.

Comprehensive Spending Review Tough Choices. Government Spending Review The Government has to manage the amount of money it spends against the amount.

EWM Network and Support Event 6 th October 2011 Orla O’Connor National Women’s Council of Ireland.

Welfare Reform Overview Adam Clark, Norfolk Community Advice Network June 2013.

CAB FINANCIAL INCLUSION CONFERENCE “PREVENTION IS BETTER THAN CURE” THE CAERPHILLY APPROACH Sandra Isaacs (Rents Manager ) Caerphilly County Borough Council.

Cath Wohlers LIAISE Manager England Illegal Money Lending Team.

Keeping Families and Children Housed: Emergency Prevention Rental Counseling to Prevent Homelessness A Community Based Prevention Program A Program of.

The interface between Housing & Community & Enterprise Working together to support our communities.

Homes and places where people want to live ADAPTING TO CHANGE IN INCOME MANAGEMENT KAY GOTT HEAD OF RENTS NOTTINGHAM CITY HOMES.

Beware of the Debt Collector Andrew Horne Operations Manager Scotland.

Breaking the Silence on Crime Victims with Disabilities in the United States Joint Statement by National Council on Disability Association of University.

Reducing Child Poverty in Huntingdon North Ward Huntingdonshire Area Partnership Poverty Sub Group.

Juvenile Justice: Criminal & Welfare Concerns Seminar Camden Court Hotel 8 th November /05/20151.

Developing a ‘Total Person’ Model for Financial Inclusion Chris Peel & Neil Stanworth.

BETTER TOGETHER L I N C O L N S H I R E A D V I C E N E T W O R K L2AL2A LAN.

Credit Union National Youth Savings Week 10 th – 16 th May 2010.

Affordable Warmth in Rural Communities? 1.15 pm Financial help available – Nick Marshall of North Yorkshire Credit Union.

Domestic Violence and the Workplace Deborah McIlveen Policy & Services Manager Women’s Aid England.

Livelihood and Access to Asset Perspective from Self –Employed Women’s Association (SEWA)

Connect with Students to Reduce Cohort Default Rates February 14, 2014.

L ow I nterest L oans for the L ow I ncome The Society of St. Vincent de Paul Belleville, Illinois Council Pat Hogrebe, R.N., M.A. Executive Director.

Stockton & District Advice & Information Service Child Poverty Scrutiny Review.

CREDIT UNIONS FOR ALL There are 40,258 credit unions in 79 countries around the world.

‘Wales, the land that banks forgot’ Dr. Nicholas Ryder Professor in Financial Crime Department of Law UWE

The Last Word: Ch 10 Review due next Tuesday; quiz next Tuesday.

Lesson Starter Describe, in detail, the advantages and disadvantages of STV.

Community Regeneration and Tackling Poverty Learning Network: Best Practice Showcase “Connecting you to evidence, expertise and excellence”

Financial Inclusion Carlisle : A Red Alert Area Amanda Pyper Financial Inclusion Strategic Champion.

Financially Inclusive Tower Hamlets Graham Fisher Chief Executive September 2014.

Financial Inclusion Partnership Presentation 19th June 2008 Financial Education.

SMALL LOANS, BIG DEBT The Cost of Pay Day Lending Illinois People’s Action

February 25 th Agenda Aims of Partnering Trusted Partner concept Accounts and services Delivery / kiosk network BHSF – working in partnership.

Mainstream and Indigenous Services working together to ‘Close the Gap’ 6 August 2009.

Why is financial inclusion important? Financial inclusion is about ensuring that everyone has access to appropriate financial services to Manage their.

Financial Inclusion Gillian Draper Social & Economic Regeneration SE London Housing Partnership October 2010.

Carmen Appich. What is East Sussex Credit Union? A community savings and loans co-operative. Owned by its members. Has ethical objectives. Regulated by.

A Dealing with Dollar $ workshop Financial Choices and Options.

STAGES OF COMMISSIONING I NVOLVING CHILDREN & YOUNG PEOPLE IN COMMISSIONING (T OOLKIT )

Preparing For CHANGE An Introduction By Sue-Jane O’Keefe.

Adapting to change in Income Management Tracey Atkinson, Income Manager, Salix Homes.

Action research for social justice: creating impact through a community- university research partnership Thrive Teesside Centre for Social Justice & Community.

Scotland Communications & Campaigns Committee Key messages – Tell a pal.

Dealing with ASB in Stockton Steven Hume Community Safety and Security Manager.

Community Safety Connect Steven Hume Community Safety and Security Manager.

Association of Dorset Watches (ADW) John Shave Chairman

Stop Loan Sharks The Illegal Money Lending Team (IMLT)

Promoting financial inclusion through partnerships Jason Herbert Hyde Housing Association.

Credit Unions Developments in the role of supporting communities Presentation to Co-operative Forum Conference Trinity College 31 st July 2010 Mark Bailey.

 Represents English HAs  1,000 members (99% coverage)  2 million homes for 5m disadvantaged.

Why access to affordable credit is central to financial inclusion Paul Jones Liverpool John Moores University Financial Inclusion Forum - Dunblayne.

Independent Living November 30, Credit: the use of someone else’s money, borrowed now with the agreement to repay later Originally used in the United.

Budgeting and Financial Planning Why should people make a plan for how to get and spend money? What strategies can be used to do this most effectively?

Juvenile Justice: Criminal & Welfare Concerns Seminar Camden Court Hotel 8 th November /02/20161.

Military Community and Family Policy

What is a Credit Union? A credit union is a financial co-operative owned and controlled by its members. Credit Unions offer a friendly, convenient and.

Chapter © 2010 South-Western, Cengage Learning Credit in America Credit: What and Why Types and Sources of Credit 16.

South Tyneside Credit Union Ltd Gavin Hennessey, FCCA 10 th March 2011.

Financial Capability at the CFPB Desmond Brown, Office of Financial Empowerment Consumer Financial Protection Bureau November 13, 2014.

Denise Meek LIAISE Officer England Illegal Money Lending Team.

BANKING – WHAT IT IS AND WHAT IT ISN’T. WHAT IS THIS ALL ABOUT? 1.Explain the role of the banks in keeping the economy flowing 2.Identify the different.

Presentation to Rother District Council Services Overview & Scrutiny Committee 24 March 2014.

Brokering New Partnerships To Deliver Affordable Credit & Financial Inclusion – Investing in Prevention to Improve Life Chances 20 May 2016 Graeme Oram,

Excessive Interest on Loans

APR - What does it stand for. APR - What does it stand for.

Business Law National Credit Act 34 of 2005.

Unit 2 Topic 10 Kahoot Borrowing products Unit 2 Topic 10 Kahoot.

Presentation transcript:

Illegal Money Lending in Sligo Presentation at RAPID National Event February 8th 2012

Illegal Money-Lending in Sligo The Problem The Response - CAILM - who, how, where, what Three Pillars of Action Education and Prevention Alternatives to IML Enforcement Service Integration and Collaboration - the improvements Recommendations for Future Action

Defining the Problem Presence of ILM “agents” in Sligo Town Provide loans from €20 up to thousands – a loan culture Charge interest of over 200% (borrow €10; owe €30) – a cycle Extort money with menaces + huge debts + worries Crime not to provide lending agreement, business premises and causing distress/alarm in repayment of debt Agents hold Social Welfare Services cards in lieu of debt Associated with assaults, intimidation, theft and damage to property, other criminal activity. Prey on vulnerable, young and those on low income Involve extended family New victims who have money troubles

Communities Against Illegal Money-Lending (CAILM) Membership includes: RAPID AIT Gardai LA Elected members Sligo Borough Council Housing Section Focus Ireland MABS Credit Union Community Services providers Sligo Social Services Community reps

Three Pillars of CAILM Education & Preventative Schools Poster competition Press coverage Letters to politicians Presentation to JPC School Book Scheme campaign “Lennies” Leaflet Promotion of MABS and budgeting /debt counselling at early stage Alternatives to IML Community Bank in Cranmore Promotion of Credit Union and savings culture through campaigns Promotion of MABS and budgeting /debt counselling at early stage Enforcement Information flow to support Gardai New Garda unit to investigate reports

Service Integration Partnership is Key – Shared Resources/Knowledge/Expertise. Community Led and Community Focused. Financial Inclusion – Community Bank. Alternatives and Savings Culture. Influence of CAILM on MABS work – Reporting, Sharing, Collaboration, Grounding, Social Policy.

Where to Now? Community Education – Targeted and Mainstream (School System) Conviction – Gathering Evidence? Community Banks- Savings Culture. Leadership – RAPID Political Intervention for legislative change No Quick Fix – Ongoing Project. UK model of good practice

Contact Details of CAILM Pamela Andison RAPID Co-ordinator Sligo County Council Tel