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Mr Phillips stated tightening credit during the banking institutions could have unintended effects. “we are seeing the top banks take out of several of those less credit that is mainstream, therefore all that’s kept would be to visit those providers of customer leases or pay day loans”, he stated. “there was much more scrutiny regarding the big companies if they’re making loans so that they’re likely to be risk averse, a little weapon shy, in terms of making loans to individuals who possibly otherwise might have got one, however in this “” new world “” probably won’t get one. “which will push them to the arms of smaller, less understood and perhaps, perhaps, unscrupulous players. “...

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