George Howarth
Main Page: George Howarth (Labour - Knowsley)
Barbara Keeley
I went on a 10 km run to help my CAB; it was under threat, but we managed to preserve this essential service in my locality. Salford city council offered it accommodation, and it now runs an excellent service from a local council building. That has really helped.
Mr George Howarth (Knowsley) (Lab)
I would like to pay tribute to the CABs and other advice bureaux in Knowsley, which are the last defence for many people seeking advice on what to do when they get into debt as a result of payday loans. It is also important to highlight the significant contribution of credit unions. In Knowsley, they provide not only a lending and deposit service, but a link to banks and credit from the Co-op so that people can buy white goods, for example.
Barbara Keeley
That is an excellent example. We heard earlier about a project run with the backing of Unite—that seemed to cause some amusement among Government Members—in Salford to get a credit union off the ground. We have credit unions serving parts, but not the whole of Salford, which has some very deprived wards, where the whole gamut of loan sharks have been plying their trade. I am concerned that we protect people from the bailiffs and the financial truncheons—I think that is what someone called them earlier—and help them join together in co-operatives.
Mr Howarth
This point has been made repeatedly, but it bears repeating: with multiple loans, roll-overs and all of that, people are eventually driven into the hands of loan sharks, with all the woeful consequences that can have.