Subverting Debt

As a youth worker I work odd hours, so occasionally watch daytime TV usually one of the free music channels (I like to think it helps me stay in touch). Have you noticed the massive interest charges on many of the adverts on daytime TV, either for cars, loans, or other goods? Whilst I am sure that for some even with the high interest charges they provide an okay service and it is the only company that will help and the high rate is about managing the risk. However- who are they targeting by advertising so heavily during the day, Hmm – perhaps those without work who already might be in debt . One company was recently advertising at over 29% interest where as a bank rate can be around 7%. So how about using their freephone numbers from time to time to ask why would I want to borrow from them at such a rate, and use up some their time, and offer a bit of a challenge?

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