Rob Carrick of the Globe and Mail reports that the banks may be taking more responsibility for people getting themselves in too deep: http://www.theglobeandmail.com/globe-investor/personal-finance/rob-carrick/banks-can-do-more-to-restrain-runaway-household-debt/article1918234/
I'm all for consumer choice and I don't want a paternalistic approach. At the same time, there needs to be a balance to the marketing messages of spend, spend, spend.
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You're right - the banks don't want to be over-regulated, but they marketing messages need to be tempered. Although low cost accountants may not be needed for the average person, they're vital in helping small businesses stay on track with their spending.
Yes chloe, and with more and more small businesses claiming losses and no improvement, the low cost Chartered Accountants are becoming much more neccessary.
That's good if they're actually taking responsibility but sometimes they only do that because people can't pay them back.
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