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REPRESENTATIVE EXAMPLE. If you borrowed 2,000 over a 12 month period and the loan had a 3 arrangement fee (60), your monthly repayments would be 189.
12, with a total payback amount of 2,269. 44 which including the 3 fee paid from the loan amount, would have a total cost of 329. Representative 29. 82 APR. If you borrowed 5,000 over a 48 month period and the loan had an 8 arrangement fee (400), your monthly repayments would be 131.
The ASA challenged whether the representative APR (RAPR) was sufficiently prominent. Instant Cash Loans Ltd, ta the Money Shop, responded jointly with their advertising agency. They did not consider that the ad suggested that the Money Shop would provide financial advice.
They stated that the primary aim of the ad was to increase customer awareness that short-term loans were available from the Money Shop both in store and online, and the online availability was clearly referenced both visually and verbally. They said the wording "The Money Shop can point you in the right direction" was used to direct viewers to the choice of two service delivery channels, online or in need a personal loan not a payday loan, according to their needs.
They noted that at that point in the ad an on- screen cursor could be seen moving towards, and subsequently clicking on, the company logo in the corner of the screen, which then switched to displaying the company's website address. They said the ad pointed customers in the direction of the online channel.
Clearcast said their general view was that the costs associated with payday lending meant that it should only be considered as a last resort and not as an everyday form of borrowing, and they did not approve broadcast ads which suggested payday loans were suitable for discretionary spending.