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  I'm sure it is Colin, it always catches those least able to afford it.
  
  I know that someone a few years ago tried to start a Credit Union Bank here, where although the interest rates were a little higher than high Street Banks at 12% (the Bank's rates were around 7 or 8% I think, but don't hold me to it), they could borrow without the normal security and not have to go to these evil shysters (I was going to put something stronger, but thought this is a family-friendly forum).
  
  If the law only allows 5 years, then the law needs changing; if the Judghe/Magistrate only gave 5 years (and they could have given longer), they they need removing.
  
  Maybe taking all their assets too, would have been appropriate.
  
  In so many instances, the Judges and Magistrates seem so far removed from reality, not appreciating the pain and suffering various victims go through.
  
  
  
  
  
  Roger

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