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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

Illegal Money Lending in Sligo

Presentation at RAPID National Event February 8th 2012

illegal money lending in sligo1
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
defining the problem
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
communities against illegal money lending cailm
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
three pillars of cailm
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
service integration
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.
where to now
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
contact details of cailm
Contact Details of CAILM

Pamela Andison

RAPID Co-ordinator

Sligo County Council

Tel. 071 9114468

[email protected]

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