Warning: Constant ABSPATH already defined in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php on line 22 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 {"id":1429,"date":"2008-09-26T06:30:05","date_gmt":"2008-09-26T04:30:05","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=1429"},"modified":"2008-09-25T21:27:19","modified_gmt":"2008-09-25T19:27:19","slug":"stoppa-ockret","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=1429","title":{"rendered":"Stoppa ockret!"},"content":{"rendered":"

Att jag inte gillar sms-l\u00e5n \u00e4r v\u00e4l knappast n\u00e5gon hemlighet<\/a> f\u00f6r bloggens l\u00e4sare. Det finns tv\u00e5 sk\u00e4l till det, som delvis h\u00e4nger ihop. F\u00f6r det f\u00f6rsta tycker jag att dessa l\u00e5n, oavsett om de kallas sms-l\u00e5n, snabbl\u00e5n eller mikrokrediter, utnyttjar svaga grupper i en kinkig situation. Dessutom \u00e4r l\u00e5nekostnaden, enligt mig, rena ockret. Jag tycker det \u00e4r mycket m\u00e4rkligt att man i praktiken kan ta ut en avgift som i praktiken motsvarar en effektiv r\u00e4nta p\u00e5 flera tusen procent.<\/p>\n

GP har en artikelserie om l\u00e5nen. I den f\u00f6rsta<\/a> artikeln g\u00e5r GP igenom marknaden och dess villkor. De har bland annat en intressant sammanst\u00e4llning<\/a> (pdf) \u00f6ver kostnaderna hos olika akt\u00f6rer.<\/p>\n

L\u00e5nar du 1000 kronor p\u00e5 30 dagar hos Sms privatkredit kostar det 350 kronor, vilket motsvarar en effektiv r\u00e4nta p\u00e5 3564 procent. Ett l\u00e5n p\u00e5 2000 kronor hos Kundfinans kostar 575 kronor, som motsvarar en effektiv r\u00e4nta p\u00e5 1975 procent. Ett l\u00e5n p\u00e5 3000 kronor hos Ferratum kostar 750 kronor, effektiv r\u00e4nta \u00e4r 1355 procent.<\/p>\n

GP:s andra artikel<\/a> handlar om ungdomar som fastnat i skuldf\u00e4llan.<\/p>\n

– Det \u00e4r s\u00e5 sjukt, som att locka barn med godis, s\u00e4ger mamman till en skuldsatt ton\u00e5ring.<\/p>\n

Den tredje artikeln<\/a> st\u00e4lls politiker inf\u00f6r GP:s uppgifter. Statssekreterare Magnus Graner p\u00e5 Justitiedepartementet n\u00e4mner ett par t\u00e4nkbara \u00e5tg\u00e4rder:<\/p>\n

– Det g\u00e4ller till exempel krav p\u00e5 kreditpr\u00f6vning vid sms-l\u00e5n, eller str\u00e4ngare krav p\u00e5 information om kostnaderna f\u00f6r l\u00e5net.<\/p>\n

– Jag tycker samtidigt att det \u00e4r intressant med branschens egna anstr\u00e4ngningar att komma tillr\u00e4tta med avarterna. H\u00e4r kan n\u00e4mnas den intresseorganisation som ett av f\u00f6retagen enligt utsago planerar att dra ig\u00e5ng. Jag tycker ocks\u00e5 att Konsumentverkets och Kronofogdemyndighetens utbildningspaket f\u00f6r skolungdomar \u00e4r viktigt och bra, s\u00e4ger Magnus Graner till GP.<\/p>\n

Bullshit, s\u00e4ger jag! Rewgeringens of\u00f6rm\u00e5ga att reagera \u00e4r katastrofal. Det finns tv\u00e5 saker som skulle kunna g\u00f6ra den h\u00e4r typen av ocker ointressant. Den ena \u00e4r att se till att l\u00e5nen inte \u00e4r s\u00e5 snabba l\u00e4ngre, och inf\u00f6ra reell \u00e5ngerr\u00e4tt. Den andra \u00e4r att helt enkelt beteckna kostnaderna som det de egentligen \u00e4r – ocker!<\/p>\n

Andra bloggar om: Sms-l\u00e5n<\/a>, Snabbl\u00e5n<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Att jag inte gillar sms-l\u00e5n \u00e4r v\u00e4l knappast n\u00e5gon hemlighet f\u00f6r bloggens l\u00e4sare. Det finns tv\u00e5 sk\u00e4l till det, som delvis h\u00e4nger ihop. F\u00f6r det f\u00f6rsta tycker jag att dessa l\u00e5n, oavsett om de kallas sms-l\u00e5n, snabbl\u00e5n eller mikrokrediter, utnyttjar svaga grupper i en kinkig situation. Dessutom \u00e4r l\u00e5nekostnaden, enligt mig, rena ockret. Jag tycker […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[34,51,44,70],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/1429"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1429"}],"version-history":[{"count":3,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/1429\/revisions"}],"predecessor-version":[{"id":1432,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/1429\/revisions\/1432"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1429"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}