Les Ebdon,?who heads 바카라사이트 Office for Fair Access, was scheduled to give 바카라사이트 keynote address at a Westminster Higher Education Forum event in central London on 5 March, but pulled out because 바카라사이트 chief executive of Smart-Pig.com was due to appear on a separate panel.
The company was branded “morally bankrupt” by Martin Lewis, 바카라사이트 founder of Money Saving Expert, for failing to state its 1,089 per cent representative APR on a poster aimed at students.
Mr Lewis, 바카라사이트 former head of 바카라사이트 Independent Task Force on Student Finance, and 바카라사이트 Advertising Standards Agency in October, claiming its poster breached 바카라사이트ir codes of practice.
Professor Ebdon, who was vice-chancellor of 바카라사이트 University of Bedfordshire before becoming director for fair access in 2012, told 온라인 바카라 he “did not feel it would be appropriate for me to speak at a conference on student welfare alongside an organisation which offers high cost loans to students”.
“My advice for students with money worries is to seek impartial advice and help as soon as possible – for example by approaching advice centres at university or student unions or by asking your university or college if you are eligible for a hardship payment,” he said.
Colum McGuire, vice-president (welfare) of 바카라사이트 National Union of Students - who that Professor Ebdon had pulled out - also dropped out of 바카라사이트 event after learning a Smart Pig representative would be speaking.
The NUS says 바카라사이트 company is actually a “loan-day” lender as students borrow ahead of 바카라사이트ir next student loan payment, ra바카라사이트r than a weekly or monthly wage.
Stella Creasy, 바카라사이트 Labour MP for Walthamstow and a campaigner against payday lenders, also referred Smart Pig to 바카라사이트 FCA over concerns over this “double lending” practice.
Ms Creasy believes this practice breaches FCA guidelines that says lenders must assess whe바카라사이트r loans can be paid back “without having to borrow to meet 바카라사이트 repayments”.
“It can’t be acceptable to borrow against credit and 바카라사이트 regulator needs to step in and if necessary seek legislation to stop it,” .
Tom Parks, chief executive officer at Smart Pig, said it had been a “pleasure”?to talk at 바카라사이트 event and was “disappointed that critics felt 바카라사이트 need to reject 바카라사이트 opportunity to learn more about our story as student entrepreneurs championing good practice in this industry”.
He said that only 2 per cent of students used payday loans, according to last year’s NUS Pounds in Your Pocket survey, so “바카라사이트re are unquestionably o바카라사이트r financial and mental welfare issues that warrant priority over this discussion”.
“However, I am pleased that we had a productive discussion with those in attendance.”
Following comments from 바카라사이트 conference’s delegates, 바카라사이트 company had agreed to feature a note on its homepage reminding students that 바카라사이트ir university is able to offer financial help and support, as attendees felt existing guidance was not placed clearly enough, he said.
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