The devil is, as ever, in the segmentation of the aggregate numbers. IIRC the debt ratios for the lower incomes are pretty horrific. (View Post)

At the boat club, one of the rowers has had her bike stolen. The tracker (well integrated into it) shows the exact location. The police refused to do anything. There is some discussion about seeing t… (View Post)

Some car finance is usurious - as usual, with lower deposits etc the terms are worse. The issue is that they do little in the way of affordability checks, and load people up with big car mortgages on… (View Post)

In the case of car finance, we probably think £3000 now is smaller than £8000 spread over 4 years. (View Post)

And formal sign off and formalised monitoring of any exchanges. Especially since, if there was a hack, the police will be looking at you. And senior management in large organisation has absolutely no… (View Post)