1. ‘Drowning in Debt’ campaign

2. ∂ Log book loan £36 Doorstep lender £7O Doorstep lender £35 Doorstep lender £5 Owed about £800 as they gave her 6/7 loans in total Doorstep lender £5 Meant to be paying £65pw..! Doorstep lender £5 Doorstep lender £5O Been paying them back since I started work at 18, 20 years ago Doorstep lender £5 Sub-prime loan £37.5O Catalogue £2O RTO company £20 Case study: Claire Weekly outgoings to lenders RTOcompany £2O The problem…

3. ∂ Loadsadebt

4. ∂ The Solution

5. ∂ Key recommendations: National Real-time database Revise OFT 2010 “Irresponsible Lending Guidelines” No more than 1/3 of payments out to high-interest creditors Take Action at; www.church-poverty.org.uk/drowningindebt

6. ∂ Promoting payroll deduction for Credit Unions facilities permitting? Looking at planning restrictions for high-cost lenders (Birmingham city Council “Fair Money Manifesto”) Key recommendations: Local