The former police officer was just 49 when he retired. Feeling like he was 'too young to do nothing', he went to work as a loan shark investigator
Established 15 years ago, SLSW is a government-funded agency that works alongside - but is entirely separate from - the police, local authorities, charities, and other agencies.Illegal money lenders, Nigel says, often build up a friendly rapport and lure people in by letting them off the first repayment.
"We might not even have a victim in the first instance, we might only have the intelligence," Nigel says. They would take the money, giving their victim mere pocket money to live off - in one case, as little as £5 a week - and keep the rest of the money, including the bank card. He threatened to burn a woman's house down with her children inside if she did not pay, and told another he would find"heavy-handed" people to enforce the debts.
"When I went through his bank accounts, I found £40,000 worth of unexplained cash deposits," says Nigel.Some people don't realise they are being exploited or even feel grateful to the lender for helping them out. "People signed these contracts to buy groceries and believed he was a lawful money lender. But he wasn't, and these people were desperate and would agree to anything."If someone who has lent you money threatens you or is violent, contact the police straight away - even if it is an informal loan from someone you know.
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