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Illegal Money Lending in Sligo

Illegal Money Lending in Sligo. Presentation at RAPID National Event February 8th 2012. Illegal Money-Lending in Sligo. The Problem The Response - CAILM - who, how, where, what Three Pillars of Action Education and Prevention Alternatives to IML Enforcement

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Illegal Money Lending in Sligo

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  1. Illegal Money Lending in Sligo Presentation at RAPID National Event February 8th 2012

  2. Illegal Money-Lending in Sligo • The Problem • The Response - CAILM - who, how, where, what • Three Pillars of Action Education and Prevention Alternatives to IML Enforcement • Service Integration and Collaboration - the improvements • Recommendations for Future Action

  3. Defining the Problem • Presence of ILM “agents” in Sligo Town • Provide loans from €20 up to thousands – a loan culture • Charge interest of over 200% (borrow €10; owe €30) – a cycle • Extort money with menaces + huge debts + worries • Crime not to provide lending agreement, business premises and causing distress/alarm in repayment of debt • Agents hold Social Welfare Services cards in lieu of debt • Associated with assaults, intimidation, theft and damage to property, other criminal activity. • Prey on vulnerable, young and those on low income • Involve extended family • 2010-11 New victims who have money troubles

  4. Communities Against Illegal Money-Lending (CAILM) Membership includes: • RAPID AIT • Gardai • LA Elected members • Sligo Borough Council Housing Section • Focus Ireland • MABS • Credit Union • Community Services providers • Sligo Social Services • Community reps

  5. Three Pillars of CAILM • Education & Preventative • Schools Poster competition • Press coverage • Letters to politicians • Presentation to JPC • School Book Scheme campaign • “Lennies” Leaflet • Promotion of MABS and budgeting /debt counselling at early stage • Alternatives to IML • Community Bank in Cranmore • Promotion of Credit Union and savings culture through campaigns • Promotion of MABS and budgeting /debt counselling at early stage • Enforcement • Information flow to support Gardai • New Garda unit to investigate reports

  6. Service Integration • Partnership is Key – Shared Resources/Knowledge/Expertise. • Community Led and Community Focused. • Financial Inclusion – Community Bank. • Alternatives and Savings Culture. • Influence of CAILM on MABS work – Reporting, Sharing, Collaboration, Grounding, Social Policy.

  7. Where to Now? • Community Education – Targeted and Mainstream (School System) • Conviction – Gathering Evidence? • Community Banks- Savings Culture. • Leadership – RAPID • Political Intervention for legislative change • No Quick Fix – Ongoing Project. • UK model of good practice

  8. Contact Details of CAILM Pamela Andison RAPID Co-ordinator Sligo County Council Tel. 071 9114468 pandison@sligococo.ie

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