I think the advent of the NCA Bruce certainly has induced all credit lenders to be more vigilant. Obviously some people had contracts and facilities in place prior to that date and so we could argue that there is a certain amount of that facility that they still have that they could still go and utilise to perhaps indulge in excessive spending or on any spending but I think that is precisely what we need to be highlighting and warning against at this time.
The rates hikes and Christmas
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