Bolton Council to open white goods shop to stop people turning to payday loans

The Bolton News: Bolton Council to open white goods shop to stop people turning to payday loans Bolton Council to open white goods shop to stop people turning to payday loans

BOLTON Council could open its own white goods shops — in a bid to stop hard-up residents resorting to payday lenders.

A retail unit selling washing machines, fridges and dryers could pop up on Bolton’s high street next year as part of the council’s £1m anti-poverty strategy.

It follows research carried out by Cllr Kate Lewis, which discovered that most people who start using payday lenders or credit scheme do so when a vital piece of domestic equipment suddenly stops working.

Under the proposal, Bolton’s credit union Hoot and the council would work together to offer people affordable credit to buy the items they need, without the inflated interest rates offered by payday lenders.

A pot of £300,000 has been set aside for the project, as part of a wider look at how the authority can help people spiralling in poverty.

Other plans in the scheme include developing Hoot, providing financial support to food banks to cover their administration costs, and offering better access to money skills and debt advice.

Cllr Lewis said: “When we were doing the consultation these were the priorities that people came up with.

“People told us about problems with referrals for debt advice, with issues with payday lenders and not knowing there was a viable alternative in Bolton.

“The shop is still being developed – we haven’t got the details of what it will be like at the moment.

“But we want the offer to be as near to normality as possible. We don’t want people to feel stigmatised by using it.”

She added: “There is currently a massive stigma around debt, especially with older people, and what has been happening is people get to crisis point and when they can no longer cope then they come to one of our services.

“We want to tell people that debt is not something to be ashamed or and there are lots of other people in the same situation.”

Sean Harriss, chief executive of Bolton Council, said the authority was in a strong position to help people in this way. He said: “We can use our buying power as a council to buy things cheaper – we already do this for lots of things.

“Because our objective isn’t to make money, we can also make the goods cheaper to buy and provide loans that people are able to borrow.”

The proposals will be discussed at the meeting of the Leader’s portfolio today.

Comments (13)

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10:04am Mon 16 Dec 13

Wolfie190 says...

I wonder if these will be handed out to the bogus asylum seekers who come into the country with nothing so have to be given everything ?
I wonder if these will be handed out to the bogus asylum seekers who come into the country with nothing so have to be given everything ? Wolfie190

11:13am Mon 16 Dec 13

thomas222 says...

Wolfie190 wrote:
I wonder if these will be handed out to the bogus asylum seekers who come into the country with nothing so have to be given everything ?
They get all white goods currently free of charge.
[quote][p][bold]Wolfie190[/bold] wrote: I wonder if these will be handed out to the bogus asylum seekers who come into the country with nothing so have to be given everything ?[/p][/quote]They get all white goods currently free of charge. thomas222

11:17am Mon 16 Dec 13

MarkAllRead says...

Isn't this what Brighthouse does?
Isn't this what Brighthouse does? MarkAllRead

11:24am Mon 16 Dec 13

johnnywomble9 says...

At 30000% apr. You can currently buy a £300 cooker in there for about £2500
At 30000% apr. You can currently buy a £300 cooker in there for about £2500 johnnywomble9

1:12pm Mon 16 Dec 13

cliff4treasurer says...

So who's minding the potholes?
So who's minding the potholes? cliff4treasurer

1:56pm Mon 16 Dec 13

boltonnut says...

Where's the spirit of Christmas?Doesn't anybody feel sorry for all the idle, scrounging,whining, fast breeding parasites that inhabit our communities.
Where's the spirit of Christmas?Doesn't anybody feel sorry for all the idle, scrounging,whining, fast breeding parasites that inhabit our communities. boltonnut

6:02pm Mon 16 Dec 13

Mick England says...

I've gotta work hard for all my luxuries, give them a dolly tub and a stick, but then again washing powder isn't free and the lazy beggers probably couldn't be bothered to wash it anyway!
I've gotta work hard for all my luxuries, give them a dolly tub and a stick, but then again washing powder isn't free and the lazy beggers probably couldn't be bothered to wash it anyway! Mick England

6:30pm Mon 16 Dec 13

Greasy Chip Butty says...

The usual culprits making this a race issue when it is not.
Myths and stereotypes about asylum seekers.
The usual culprits making this a race issue when it is not. Myths and stereotypes about asylum seekers. Greasy Chip Butty

9:41pm Mon 16 Dec 13

brinhambo says...

MarkAllRead wrote:
Isn't this what Brighthouse does?
no they are worse than the money lenders ,look in the shop £2,600 for a tv that costs £600 elsewhere ,a washing machine that would cost you around £200 is about £1000
[quote][p][bold]MarkAllRead[/bold] wrote: Isn't this what Brighthouse does?[/p][/quote]no they are worse than the money lenders ,look in the shop £2,600 for a tv that costs £600 elsewhere ,a washing machine that would cost you around £200 is about £1000 brinhambo

9:46pm Mon 16 Dec 13

Mick England says...

Where was race mentioned? Myths and stereotypes are one thing, but wearing the cap that fits you isn't that dissimilar!
Where was race mentioned? Myths and stereotypes are one thing, but wearing the cap that fits you isn't that dissimilar! Mick England

9:50pm Mon 16 Dec 13

Beyond News Forum says...

For one this is not about PayDay Loans and buying a fricking washing machine. STOP SHIRKING ON THE TRUTH.

The PayDay Loan lot are preying on those who cannot afford there bills.

EVERYBODY knows you can pick up cheap goods reconditioned at places like Paul Davis and a decent high street appliance store.

No this is serious BS people. I am not moaning for moaning's sake. Look if they the council think this is about a washing machine they are so far removed it is not even funny.

So what about the reconditioned units at the local stores? Are the council trying to pull the cash out from under those?

eBay, Amazon, Gumtree, Pre-Loved... all places people can get a washer from cheap or as near as damned it free.

PayDay loans are used for servicing the need for an early weekend jaunt to the off licence or to pay an extortionate bill and even to get to fecking work when a surprise rail increase hits... STOP PASSING THE BUCK YOU LYING COUNCIL SHYTE!!!

Are the council really this dense? I say tongue in cheek.
For one this is not about PayDay Loans and buying a fricking washing machine. STOP SHIRKING ON THE TRUTH. The PayDay Loan lot are preying on those who cannot afford there bills. EVERYBODY knows you can pick up cheap goods reconditioned at places like Paul Davis and a decent high street appliance store. No this is serious BS people. I am not moaning for moaning's sake. Look if they the council think this is about a washing machine they are so far removed it is not even funny. So what about the reconditioned units at the local stores? Are the council trying to pull the cash out from under those? eBay, Amazon, Gumtree, Pre-Loved... all places people can get a washer from cheap or as near as damned it free. PayDay loans are used for servicing the need for an early weekend jaunt to the off licence or to pay an extortionate bill and even to get to fecking work when a surprise rail increase hits... STOP PASSING THE BUCK YOU LYING COUNCIL SHYTE!!! Are the council really this dense? I say tongue in cheek. Beyond News Forum

8:53am Tue 17 Dec 13

Jim271 says...

Who said

"Give the working classes a bath and they use it to store coal."
Who said "Give the working classes a bath and they use it to store coal." Jim271

1:05pm Tue 17 Dec 13

EEESafe says...

Having been involved in Appliance Repair Standards for some years, and in a Charity helping the poor, my concern is the safety of the appliances that are repaired. 2000 House Fires due to a faulty Large Domestic Appliance, were reported in 2011/12. One fire is too much as who wants one of those. So I believe that the Council should be looking at our Standard at EEESafe, which not only is about safety, but it's about keeping those goods in the local community and running our Training Programme in a properly registered centre following the centre and safety protocols, to minimise the thousands of serious accidents and the fires that occur. The skill is disappearing with the average age at 56, for a repair person. Whilst a DIY Guy may do a good job, he may not use genuine components and passing an item via freecycle, gumtree etc, is an increased risk that is the choice of the consumer. Keeping the goods local, will keep the price lower and offer revenues to local organisations to help complete training and sell the goods, fulfilling a Circular Economy Model. EEESafe has been cited favourably by the Ellen MaCarthur Foundation. Check the sites and see what it's about, and get involved. We need to prevent the 30+ companies taking away these goods from each Local Authority, but we need to do it safely and skill up our youngsters, and others, to become involved in Mechanical, Plumbing and Coolant expertise.
Having been involved in Appliance Repair Standards for some years, and in a Charity helping the poor, my concern is the safety of the appliances that are repaired. 2000 House Fires due to a faulty Large Domestic Appliance, were reported in 2011/12. One fire is too much as who wants one of those. So I believe that the Council should be looking at our Standard at EEESafe, which not only is about safety, but it's about keeping those goods in the local community and running our Training Programme in a properly registered centre following the centre and safety protocols, to minimise the thousands of serious accidents and the fires that occur. The skill is disappearing with the average age at 56, for a repair person. Whilst a DIY Guy may do a good job, he may not use genuine components and passing an item via freecycle, gumtree etc, is an increased risk that is the choice of the consumer. Keeping the goods local, will keep the price lower and offer revenues to local organisations to help complete training and sell the goods, fulfilling a Circular Economy Model. EEESafe has been cited favourably by the Ellen MaCarthur Foundation. Check the sites and see what it's about, and get involved. We need to prevent the 30+ companies taking away these goods from each Local Authority, but we need to do it safely and skill up our youngsters, and others, to become involved in Mechanical, Plumbing and Coolant expertise. EEESafe

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