Young people most likely to get in 負債 with 貸付金 sharks, as data shows more turn to 違法な lending

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An 増加するing number of people are 存在 押し進めるd to taking out 貸付金s with 違法な 貸す人s 予定 to a 欠如（する） of 利用できる and affordable credit 選択s, data （人命などを）奪う，主張するs.

As many as 31 per cent of people in Britain say they feel there is nothing they can do to 改善する their 財政上の 状況／情勢, によれば 研究 from Creditspring.?

As a result of this, 6 per cent of Britons are believed to have turned to 貸付金 sharks to make ends 会合，会う in just the past year.

This equates to 2.8million people, based on 2021 全住民 人物／姿／数字s.?In comparison, 1.08 million people were 概算の to have turned to 貸付金 sharks in 2022, によれば the Centre for Social 司法（官）.

Frozen out: Young people are いっそう少なく likely to be 認可するd for credit from mainstream 貸す人s

While an i ncreasing number are 存在 軍隊d に向かって 違法な 貸す人s ーするために make ends 会合，会う, it is the youngest people that are most likely to 落ちる into 負債 with a 貸付金 shark, with 13 per cent of under 35s 報告（する）／憶測ing they have borrowed from an 違法な 貸す人.

This compares to 5 per cent of those between 35 and 54, and just 1 per cent of those over 55.

The problem の中で younger 世代s is likely linked to the fact that it is much more difficult for the youngest in society to be 認可するd for credit.?

によれば data from the Money & 年金s Service, a tenth of people 老年の between 25 to 44 are 否定するd credit, compared to just 2 per cent of over 55s.

類似して, some 14 per cent of renters ? the 広大な 大多数 of whom are under the age of 55 ? are 拒絶する／低下するd credit, 反して just five per cent of people with a mortgage do not have credit 使用／適用s 認可するd.

More than a third of young adults think they are more financially 安定性のない now than they have ever been before, while only 28 per cent of adults agree on 普通の／平均（する）.

Neil Kadagathur, 長，指導者 (n)役員／(a)執行力のある of? Creditspring, said: 'With nowhere else to turn these young people are 直面するing extortionate 利益／興味 率s and 付加 料金s which the y have little choice but to 受託する.?

'This is also going to have a longer-称する，呼ぶ／期間／用語 衝撃 as these borrowers will be 押し進めるd ever その上の into 負債 with ますます 限られた／立憲的な 選択s.

'It's 批判的な that providers 申し込む／申し出 clearer, more transparent and safer 貸付金s for borrowers who need a 財政上の 上げる so they aren't 軍隊d into the murky world of 違法な 貸す人s.'

While インフレーション is now 落ちるing, and 利益／興味 率s have stabilised, the world economy is still reeling from wave after wave of 経済的な blows, from the pandemic to 衝突s globally.

Because of this, purse strings remain tight, and wallets are feeling はしけ than ever as people across the UK continue to struggle.

Matt Hartley, of the Money Advice 信用, which runs the 国家の Debtline charity, told This is Money: 'High costs have left many people turning to credit to plug gaps in their 財政／金融s. And for people unable to 接近 affordable credit 選択s, this means a higher 危険 of turning to 違法な money 貸す人s.'

A fifth of those who took 貸付金s from 違法な 貸す人s said they did so ーするために 支払う／賃金 for everyday expenses such as food and 法案s.

In general, needing to turn to a 貸付金 has beco me an ますます ありふれた occurrence, with 17 per cent already 推定する／予想するing to have no choice but to take out a 貸付金 when they run out of 貯金.?

Unsurprisingly, this 人物／姿／数字 is even larger, 25 per cent, for those between 18 and 34.

Kadagathur said: 'As we start to 現れる from the worst of the cost of living 危機, the 不安定な 明言する／公表する of the UK's 財政上の health is 極端に alarming.?

'Borrowers are in desperate need of affordable short-称する，呼ぶ／期間／用語 credit 選択s and this gap in the market is ますます 運動ing people に向かって 違法な and predatory 貸す人s.

Friendly exterior: The?Money Advice 信用 警告するs that 貸付金 sharks will appear friendly at first but can turn violent if you fail to 支払う／賃金

'It is horrifying that although these borrowers are often aware of the 危険s of using 違法な 貸す人s, 範囲ing from extortionate and 手足を不自由にする／（物事を）損なうing 利益／興味 率s to 脅しs of 暴力／激しさ they feel as though they have nowhere else to turn after 存在 拒絶するd from mainstream 貸す人s.'

貸付金 sharks prey on their 犠牲者s, often 引き上げ（る）ing up 以前 agreed 利益／興味 率s, something that was experienced by 15 per cent of those 調査するd.?

For 14 per cent, however, 貸付金 sharks also turned to 脅しs of 暴力／激しさ when they couldn't 支払う／賃金.

'No 事柄 how friendly they may seem at first, 貸付金 sharks often 訴える手段／行楽地 to 暴力／激しさ and 脅迫 and are 極端に dangerous individuals,' Hartley said.

'Borrowing from an 違法な money 貸す人 is never a good idea, and it's 決定的な this 違法な activity is 報告（する）／憶測d.'

It appears that some borrowers 簡単に aren't aware of the 危険s that 貸付金 sharks 提起する／ポーズをとる, however. Perhaps more concerningly, a sixth of people who had borrowed said that they knew they were using an 違法な 貸す人 but felt they had no choice after they were 拒絶する／低下するd credit.

For those that 港／避難所't turned to 貸付金 sharks, a 大規模な 27 per cent had instead taken out a 貸付金 with a high-cost 貸す人 after 存在 拒絶するd by the mainstream.

Creditspring's 研究 saw Opinium 調査する 2,000 UK adults, 負わせるd to be 代表者／国会議員 of the UK.