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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

pandison@sligococo.ie