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June 26, 2013 4:00pm by David Farrar

SSPA seminar on credit reform

A seminar in Wellington on credit reform, for those interested. SSPA has also published a background paper on the issue.

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Comments (26)

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Kea

This will be where they argue the responsibility for ensuring debt can be repaid rests with the lender not the borrower. A position I have no time for. If you get what you ask for it is up to you to repay it. No exceptions. Ever.

I would like to go along just to see more of Jacinda though 🙂
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June 26, 2013 4:15pm
Dennis Horne

@Kea. You won’t see any more of Jacinda than you have already seen. Ever. 🙂
4 0
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June 26, 2013 4:22pm
Manolo

Any (loan) shark would be envious of her teeth.
8 0
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June 26, 2013 4:26pm
david

And Socialist Cindy’s qualifications to speak intelligently about the law around credit contracts and consumer finance is?
6 0
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June 26, 2013 4:33pm
KiwiGreg

Why are you promoting a Labour talkfest?

Are you gearing up to start pushing the grand coalition?
4 0
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June 26, 2013 4:40pm
Kea

Dennis Horne , I have heard that one before. Do not under estimate a Kea 😉

I actually have a history of dating communists, now I think about it !
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June 26, 2013 4:41pm
kowtow

What the hell is all this “Aotearoa” crap?
9 0
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June 26, 2013 4:45pm
kowtow

Conad Reyners has ” a keen interest in progressive law reform”.

And what’s that code for? marriage parody?
5 0
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June 26, 2013 4:49pm
Manolo

Who would pay even two dollars to listen to that unadulterated socialist crap?
In fact, why is DPF promoting such absurd event?
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June 26, 2013 5:12pm
dishy

It says “Book in advance to avoid disappointment”. I will avoid disappointment by not booking – at all.
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June 26, 2013 5:30pm
peterwn

There is also a book on ‘inequality’ (ie tax the rich p****s) being launched at National Library tomorrow. See:
http://www.bwb.co.nz/books/inequality

I wonder if these things would be taking place if Labour was in power.
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June 26, 2013 5:33pm
Grendel

oh dear, this is another talk fest that will talk about all the ills except the most important one, choice and personal responsibility.

Full disclosure, i am an authorised financial adviser and also do mortgage lending but dont do consumer level lending. i can say categorically that i have helped more people out of debt than Jacinda and all the other hand wringers ever will.

does anyone know what “unscrupulous” lending is? because its either legal or its not. also whats social lending? is that lending where the taxpayer takes all the risk and the current governments pet projects get well below risk profile interest rates on loans that the probably wont have to pay back?

if its legal then the lender has to be registered on the Financial service providers register – http://www.business.govt.nz/fsp/

you also have to be a member of a disputes resolution scheme. you also have to disclose all costs, the interest rate both regular and annual, and the total finance cost to clients who have WILLINGLY come into your office to sign up for lending.

i am working with a client who runs a short term finance franchise and we are looking at putting up ads in their store so that anyone who needs it, knows they can access budgeting assistance if their employer is a member of this particular employee assistance program. this may cost the lender money as their clients get out of debt, but to them its worth it as they will also help people actually pay them back. no lender goes into business to not get repaid.

If this bunch of do gooders actually cared about helping people get out of debt, they would talk to those of us who actually do the job. but of course facts will make it hard to push their barrow.
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June 26, 2013 6:01pm
Longknives

Kea- I got in trouble once for making a cracking joke about Jacinda’s choppers….

Kowtow- They seem to have changed the name of our Country while we weren’t looking… Didn’t you know?
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June 26, 2013 6:30pm
thedavincimode

Book in advance to avoid disappointment.

Really???

The name of the organisation promoting this hugfest suggests that the Treaty business isn’t the only gravy train that should arrive at Len’s one way station without being turned around.

So what is Liebore’s “social-lending” policy? Does anyone know? Yes, it’s true, I just can’t be bothered looking for it so there is really no good reason for anyone to bother answering my question.
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June 26, 2013 6:54pm
liarbors a joke

Me thinks DPF is taking the piss…Id go if Cindy got her gear off…
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June 26, 2013 6:56pm
thedavincimode

Kea- I got in trouble once for making a cracking joke about Jacinda’s choppers….

That’s unfortunate. What was the joke?

Whatever one thinks of this trough-dweller, there is no doubting that she presents an extremely impressive set of choppers. So impressive in fact that she shouldn’t ever risk travelling to Africa for fear of falling prey to the ivory poaching industry.
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June 26, 2013 6:59pm
thedavincimode

Id go if Cindy got her gear off…

Sophisticated. But be careful what you ask for.
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June 26, 2013 7:02pm
liarbors a joke

I bet shes dirty..
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June 26, 2013 7:07pm
RF

thedavincimode. 6.59pm. Spilt my drunk you bastard. I shall dream about ivory choppers tonight and wake up screaming.
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June 26, 2013 7:08pm
Steve (North Shore)

Whats with you droolers? She is just a try hard hippy sheila from Morrinsville in the arse of the Waikato.
Socialist Cindy has big teeth. Horses have big teeth especialy the Waikato ones. There are better looking horses in the Waikato
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June 26, 2013 7:20pm
Longknives

She’s probably only ever had soap-dodging, dropkick hippy boyfriends.
I reckon I could turn her…
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June 26, 2013 7:26pm
Sir Cullen's Sidekick

“@Kea – I would like to go along just to see more of Jacinda though”

Gee you must be really desperate….
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June 26, 2013 7:51pm
RF

Kea… If you get lucky can i watch. I will be discrete.
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June 26, 2013 8:21pm
Manolo

I reckon I could turn her…

Really? I wasn’t aware of your Greek preferences. 😀
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June 27, 2013 6:40am
Simon

Two hours of listening to these statist wankers or spend 10 minutes on this,

https://www.khanacademy.org/science/core-finance/interest-tutorial/credit-card-interest/v/payday-loans

“protect vulnerable borrowers” Must mean the state educated who expect the taxpayers to pick up pieces. Ardern happy to oblige because like clowns that borrow at 100% interest she can’t really make in the real world.

Ardern spending 2 hours with the forever state reliant poor is must be therapeutic and reassuring for her.
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June 27, 2013 6:56am
dime

I was wondering where they had been hiding Adern. I figured she was on some socialist holiday in europe. Havent heard a peep from her in months.

She is number 4 on the labour list? why does she have such piss weak portfolios?

Adern:

Social Development & Children (i guess because shes so “young”
Arts & culture.

National no 4:

Minister for Economic Development
Minister of Science and Innovation
Minister for Tertiary Education, Skills and Employment
Associate Minister of Finance
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June 27, 2013 9:28am

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