2020-04-06_Daily_Express

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The Crusader Fighting for your rights By MAISHA FROST

If you want help with a problem or wish to applaud good service, we will do our best to help. We can’t always promise a reply but please contact The Crusader, Daily Express, One

Canada Square, Canary Wharf, London E14 5AP. Email: [email protected]. Only send document copies, not originals. ALWAYS INCLUDE YOUR PHONE NUMBER, thank you.

Covid-19 sparks high-cost credit traps

loan is £300 over six months, cus-

tomers have flexible repayments

and pay 3.5 per cent interest a

month or 51.1 per cent APR com-

pared to some lenders’ 535.3 per

cent APR. FFY is now seeing a

spike in demand for fridge-freezers

and technology to help keep

children entertained as well as

requests for it to include a groceries

shopping option.

But Clements warns: “We’re also

spotting hikes elsewhere with an

Xbox offered for £700 and single

bed with built-in TV for £1,474.20.”

See fairforyou.co.uk

● Steer clear if you get an email or

a letter offering a tempting money-

off voucher for purchases during

quarantine that claims to be from a

supermarket. It’s one of an “ava-

lanche” of scams doing the rounds,

Trading Standards is warning.

such as Big Issue Invest, helps low

income families with loans for

household appliances, furniture

and children’s items. Its typical

rent-to-own retailer BrightHouse

whose customers are expected to

continue to pay its administrators.

FFY, backed by social investors

PEOPLE locked into high-cost

loans and rent-to-own schemes

should be spared the extra fees

charged if they fall behind with

payments, says affordable provider

Fair for You (FFY).

The not-for-profit lender is call-

ing on companies and regulators

to ease the strain on customers

already struggling to cope during

the Covid-19 crisis.

“People face losing essential

items such as a washing machine

and many may have experienced

aggressive payment demands,” says

FFY chief executive Angela Clements.

“But if fees are heaped on top of

late payments, it makes catching up

almost impossible. That fear, at a

time of high anxiety, needs to be

addressed through government.”

Around 3.1 million people are

estimated to use high-cost credit.

GAME JOY: But beware overpaying Last month saw the collapse of

Picture: GETTY

■

THEIR services oil the wheels of communities throughout the

UK. But hundreds of thousands of the directors of small

businesses, whose company is their only form of income and who

are paid entirely legally through dividends, have found they are

excluded from the Government’s support schemes.

Crusader has been contacted by dozens, all fearing they risk

going under. One home-based computer repair firm, run by a

husband and wife, said: “Keeping people connected is vital, but we

cannot visit clients and have lost a lot of trade. We aren’t fat cats.”

Another in the marine sector added: “If I close it will hit my

suppliers and end any chance of furloughing workers.”

A petition calling for chancellor Rishi Sunak to intervene now

has more than 250,000 signatures. Started by accountancy

business owner Amanda Evans, she told Crusader: “I’m not

normally a campaigner, but I couldn’t stand by and see the lifeline

for thousands of us cut off. This is a staggering oversight.”

● https://www.change.org/p/uk-parliament-small-ltd-company-directors-

to-get-government-support-like-the-employed-and-self-employed