We must 行為／法令／行動する to stop the payday 貸付金 spivs 廃虚ing poor people's lives
消費者 money worries are at the highest level ever 記録，記録的な／記録するd - not a 人物／姿／数字 Osborne should be happy about
In the wake of his dismal autumn 声明, you would think that （ドイツなどの）首相／（大学の）学長 George Osborne would want to shout about new 調印するs of growth in the 財政上の 部門 from the rooftops of Number 11, or his country mansion Dorneywood, or Notting Hill Gate, or his chalet at Klosters, or wherever he is 現在／一般に hiding.
But I rather 疑問 he's going to have anything to say about these particular growth 人物／姿／数字s: によれば 研究 from insolvency 専門家s at R3, which 代表するs "professionals working with financially troubled individuals and 商売／仕事s", 消費者 money worries are at the highest level ever 記録，記録的な／記録するd. 一方／合間, the 国民s Advice Bureau tells us that people running into 負債 which they can't 扱う, through いわゆる "payday 貸付金s", has quadrupled in the past two years. One in six of the 顧客s of this 反乱ing 商売／仕事, which traffics in human 悲惨, is now a "zombie debtor", which is the 指名する cheerfully given to those who can only service their 利益／興味 返済s, while the 主要な／長／主犯 sum 借りがあるd rachets up.
Behind the trilling トンs of actresses 約束ing handy little 解答s to that irritating cashflow problem between now and payday lies a 小売 財政上の 部門 that is 十分な of spivs and charlatans. They 供給する
another growth 人物／姿／数字 that you won't be 審理，公聴会 much about from the （ドイツなどの）首相／（大学の）学長. While the the total 人物／姿／数字 for 甚だしい／１２ダース unsecured lending by banks has fallen by 21 per cent since 2006, payday-貸付金 providers have 増加するd 甚だしい／１２ダース 全体にわたる lending by six per cent, によれば the Bank of England.
Struggle: The number of people who run out of money before payday has 増加するd by seven 百分率 points since this time last year
This is an 索引 of wretchedness. I heard John Lamidey, 長，指導者 (n)役員／(a)執行力のある of the 消費者 財政／金融 協会, which 代表するs most of the payday-貸付金 companies, and the 最高の，を越す apologist for them, on 無線で通信する 4's Today programme. He （人命などを）奪う，主張するs that his 研究 (which he won't let us see) shows that everything is just 罰金 and dandy, payday loansters are 実行するing a much-needed 役割 in the market and 選び出す／独身 mothers arrive at his office clutching children in 涙／ほころびs of joy to thank his members for their self-sacrificial charity. I made the last bit up, 明白に, but you get the gist.
A burly man with a baseball bat comes to mind. No, it wasn't the stereotype of
the 沈む-広い地所 負債-collector, all low forehead and sharp 控訴. What I had in mind was a bruiser of a regulator or 上級の 政治家，政治屋 - Ed Balls perhaps - who would （警官の）巡回区域，受持ち区域 (metaphorically of course) Mr Lamidey's 産業 to a 低俗雑誌.
The way our economy is 長，率いるd, we need 緊急の 活動／戦闘 against the chancers of the 財政上の services 産業. Like 飛行機で行くs to a cowpat, the money markets' most repellant 操作者s are homing in on Britain's 経済的な 崩壊（する）.
苦しむing: Payday loansters already have a tenacious 支配する on the most financially 攻撃を受けやすい in the land
As the high-street banks have walked away from 消費者 credit, with the billions under their 武器 that British taxpayers stumped up in 2008 to 保釈（金） them out after the banking 危機, so the low-life of lending has arrived, 特に from America. Credit 規則s are now stringent in the US and much of 大陸の Europe has a cap on the 年次の 百分率 率s (APRs) that can be 告発（する），告訴（する）／料金d to borrowers. So the UK 現在のs rich pickings for the 肉親，親類d of 貸す人 who can 告発（する），告訴（する）／料金 5,000 per cent APR (yes, really) and still look at himself in the mirror as he shaves his goatie 耐えるd.
わずかに いっそう少なく 劇的な, though no いっそう少なく immorally, Mr Lamidey's members will typically 告発（する），告訴（する）／料金 £25 a month on a £100 貸付金 (加える a one-off 直す／買収する，八百長をするing 料金 of, say, £15, deducted from the 初期の sum - a nice little extra). The trick is that 貸付金 "拡張s" will すぐに be 圧力（をかける）d on the borrower. Five 拡張s is not unusual, but an 拡張 of a month will mean that a £100 貸付金 costs £150 over just two months. That's an 注目する，もくろむ-watering APR of 300 per cent.
Mr Lamidey defends these 率s on the basis that an unapproved overdraft from a bank may cost £5 a day. The banks are another story 完全に - and not a good one. But, as I say, they've 大部分は walked away from 消費者 credit to give the 貸付金 sharks a （疑いを）晴らす run.
危機: The low-life of lending has arrived
There is one word for this practice: Usury. It's as old as money itself and the scriptures 非難する it. That's because, as the happy Mr Lamidey may not have しっかり掴むd, it 廃虚s lives as it 濃厚にするs his members. The payday-貸付金 産業's 顧客s are predominantly young, ill-educated (certainly in the ways of 財政／金融), with poor credit histories and very often desperate. They will take second and third and more 貸付金s from these peop
le to "支払う／賃金-off" previous 貸付金s. And the 貸す人s let them, because it's good 商売／仕事.
It's 開発／利用, pure and simple. The mountebanks of 後退，不況 have arrived. And their 犠牲者s need defending, for all our sakes. Because it 手足を不自由にする／（物事を）損なうs any prospect of 消費者 繁栄 for those at the 底（に届く） of the 経済的な pile. And a 残余 of bad 負債 and penury at the 底（に届く） of society will only stoke 憤慨 at the monied 消費者 classes その上の. Tell you what, the next time Mr Lamidey sees a young 略奪者 throw a brick through a shop window, he might like to ask him with whom his credit 施設s are 宿泊するd. But he may know the answer already.
その上に, this 産業 gets the whole of the 財政上の services 産業 a worse 指名する than its （名声などを）汚すd 評判 has already accrued in 最近の years. As City big-wig Ken Costa and his 同僚s try to "re-connect the 財政上の with the 倫理的な", as the Bishop of London puts it, they could do worse than knock on Mr Lamidey's door.
Because, as the Bishop might agree, usurers descrate the markets. There is a sound theology of wealth 創造, when it 利益s society as a whole. But, perhaps taking its lead from some ４半期/4分の1s of the City, payday 貸付金s 濃厚にする only 貸す人s and do so by committing human 存在s to the yoke of a 肉親，親類d of turbo-告発（する），告訴（する）／料金d credit 中毒, which destroyed the mainstream credit markets in the first place.
There is something 深く，強烈に unholy about that. And there's a 推論する／理由 why the young Nazarene overturned the （米）棚上げする／（英）提議するs of the money-changers in the 寺.
We need some of that direct 活動／戦闘 now. Not from 抗議する人
s, but from 政府. There is already a worthy 委員会 of 調査 looking into it, but that will take a year to 報告（する）／憶測 - and the payday loansters have a tenacious 支配する already on the most financially 攻撃を受けやすい in the land, who will 苦しむ needlessly at their 手渡すs in the months ahead.
We need the 政府 to 行為／法令／行動する against them now. Because, as Edward ヒース／荒れ地 said in a different 状況, this is the 容認できない 直面する of capitalism.
Read George 投手's RightMinds blog here
