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Credit: SonovaMin

Budgeting & Family Support Services Mangere go for their next paddy

New laws designed to protect vulnerable families from lenders come into effect in a fortnight …

The changes come into effect on June 6, with money lenders then having to prove clients can pay the loan back without suffering substantial hardship.

They will also be required to be clear about all charges and explain the fine print.

The government has recognised this area needs cleaning up.  New laws have been enacted and are about to come into force.   This then leads Darryl Evans, the Chief Executive of Budgeting & Family Support Services Mangere, to come out and say they won’t work.

Well duh.  Speed limits doesn’t stop speeding either.   But it does not allow for enforcement.

Margaret Perry hastily signed up to a loan with a 50 percent interest rate and extra charges, because no bank will lend to her and she was desperate for cash to pay for food and rent.

ONE News has heard of liquor and KFC vouchers being given as enticements for signing on to a loan.

“I’ve been offered an mp4 player for free if I take out a $500 loan,” Ms Perry said.

Ms Perry estimates she gets five mobile money lenders per week knocking at her door.

Here’s a rule of thumb:  nobody that approaches you unsolicited to discuss taking out a loan is going to be a good person to deal with.   And I get the fact that there are those in society that need protecting from predatory sales people.

While Ms Perry’s choices are unlikely to change, it’s hoped the new laws will force loan sharks to be more responsible when signing up vulnerable clients.

John Lyall of the Commerce Commission says there is now a commitment to stamping out unscrupulous lenders.

“In fact we have several before the courts right now. We are not frightened to take action if we do find breaches of the law,” he says.

Sometimes I wish I could be a benevolent dictator and enact some common sense and fun laws.  For example, if you are found by a court to have been the provider of a predatory loan, then you will have to pay the all the repayments back, as well as the amount of the original loan.   And we’ll work on the strike system.  Three strikes leads to a mandatory 12 months non-parole prison sentence and a life-ban from working in the “finance industry”.

As for Darryl Evans, he’s a tool.  Before the law has even had a chance to work, he’s already running to the media moaning that it “probably” won’t work.   Well Darryl, I’m sure you’ll be able to find people that will continue to act like scumbags.   The exception doesn’t meant the law “probably” won’t work.  It will have the effect of bringing the ones that push the boundaries into line.

But yeah, the real scumbags will never be controlled by a law change, so aren’t you clever.

 

– One News

New Zealand’s Silliest Local Government Spending Competition

Fenton "Jong-un" Wilson

Fenton “Jong-un” Wilson

Last year we ran a competition to identify New Zealand’s silliest local government spending. We got some great entries with some breathtakingly stupid spending, highlighting how many plonkers run our councils.

Some of the highlights were Napier’s MTG, which Mayor Bill Dalton managed to build with the following exceptionally dodgy logic.   Read more »

David Parker throws a xenophobic hissy fit with a dash of hypocrisy for flair

South Korea-based buyers may have open access to New Zealand’s housing market assured under a new trade deal, prompting warnings it could undermine New Zealand’s sovereignty.

Labour says the wording in the NZ-South Korea FTA is a blunder that could tie a future government’s hands and allow challenges if New Zealand adopted the sort of measures applied to foreign buyers by Australia.

It wants to block non-resident buyers acquiring residential homes here, unless they are new builds or apartments, as a way to take some of the heat out of the Auckland market.

But Labour trade and export spokesman David Parker said the deal with the Republic of Korea, announced in November, had been “botched up” by National.

“National doesn’t want to ban foreign buyers of New Zealand houses, but Labour does. Now National is limiting the freedom of the next government to ban house sales to foreigners or to introduce stamp duties targeting foreign buyers,” he said.

I’m sick of people attacking foreigners.   It looks like Labour is trying to out-Winston Winston.   Read more »

Anti-vaxx nutters putting kids at risk, and some of them are midwives

Anti-vaxx nutters are dangerous, but none more so than midwives who are playing with kids’ lives.

Expectant parents are being advised against vaccination by the very nurses and teachers who are supposed to give babies the best start in life.

The Immunisation Advisory Centre has received complaints of midwives and pregnancy class teachers trying to dissuade families from giving babies the MMR jab, despite overwhelming medical evidence that immunisation saves lives.

Dr Nikki Turner, the centre’s director, said some of the advice was “jaw-dropping”.

Women are being told vaccines are dangerous, unsafe or don’t work. In other cases there is no discussion of vaccine benefits.

Read more »

Jeremy Wells, the private school princess [UPDATED]

After yesterday’s post I had a number of people contact me about Jeremy Wells and his background, so I have reconsidered my position – since I am allowed to change my mind.

I still think false apologies are meaningless and I stand by that…but with a little bit more information, I am calling him and his enablers out.

You know it is funny that the latest hero of the left, Jeremy Wells, is a St Kents and Wanganui Collegiate private school princess, but somehow thinks that no one will know about that as he gets to mock Mike Hosking for being aristocratic. He is simply pandering to his left wing enablers and luvvies in the media.

A pity then, Wells descended into racism in his bid for cheap and nasty laughs.

Radio Hauraki has been rapped over the knuckles after a Mike Hosking impersonation by DJ Jeremy Wells was labelled racist by some listeners.

The radio station apologised after Wells’ appearance on the Hauraki Breakfast show on May 15, presenting a segment called Like Mike.

Wells, in character as broadcaster Hosking, said he preferred “Maoris to keep to themselves in marae, rural rugby clubs or on-stage cultural performances in Rotorua hotels coinciding with a hangi buffet”.

“Maoris are loose units. They’re often tattooed. The women smoke too much and are free and easy with their affections.

“The world’s media are watching us this week. As right-thinking New Zealanders we should be asking: is this the image we want to convey to the world?”

The act drew hundreds of comments on the station’s Facebook page; many expressed outrage, although others said the item was clearly satire and shouldn’t be taken seriously.

Read more »

The pathetic boycott culture of the left

Righteously indignant left wingers demanded boycotts of South Africa over apartheid in the 1970s and 1980s.

They demanded boycotts over France’s nuclear testing in the pacific in the 1980s and early 1990s.

They demanded boycotts over Royal Dutch Shell for its complicitness over human rights and environmental abuses in West Africa in the 1990s and 2000s.

They constantly demand boycotts over Israeli goods because they don’t like Israel’s tough line on Palestinian terrorists. And if you are an Israeli tennis player then they don’t want you playing tennis in New Zealand.

But now, they demand boycotts because John Campbell’s show didn’t get renewed…

“In breaking news, Campbell Live has been axed!”

It hit me a like bolt as I listened to Willie and Ali on Radio Live in the car. I was just heading up the on-ramp to the Harbour Bridge, looking west towards Watchman Island.

It’s one of the great vistas of automotive Auckland. That swoop up from Herne Bay onto the bridge, that view to the Chelsea Sugar factory, it always gets me. I was just thinking about how radio has been the making of Alison Mau, and of Radio Live’s afternoon session with Willie Jackson. It’s now one of the best things on radio, and it owes as much to Mau getting the push from Seven Sharp as anything.

But thoughts of silver linings were still some time off. I was still in shock, even though we all knew it was probably coming. Being part of Mediaworks, Radio Live’s staff are obviously careful about their outpourings over the matter, but Willie and Ali passed on respect and Mau commiserated, in advance, to the poor saps who will front the re-boot of Campbell Live.

Read more »

The (2nd) Great Whaleoil Census – Part 5: Dog, cat, both or neither?

cc

Good morning.  About two years ago we ran a “census” to get an idea of what our audience was all about.  We’re going to do that again, but this time it will be one question per day, each morning.  I will attempt to collate the previous questions as we go along, so that anyone who misses one can find a reasonably easy way to have a vote or to review the results.

Although we have a huge list of questions to work through, feel free to suggests ones that are close to your heart in the comments.

Part 5:  Dog, Cat, Both or neither?

We have to slip the trivial in between the sensibly boring, so here we go.  Even so, a lot can be read into people who like dogs, or cats, or both, or neither.

Does Whaleoil tend strongly towards one answer?

Read more »

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Today in History

evolution-of-humans

On this day in 1925, a grand jury in Dayton, Tennessee indicted John Thomas Scopes on charges of violating the Butler Act by teaching the Theory of Evolution in Tennessee schools. Read more »