| 词条 | Fair for You |
| 释义 |
| name = Fair for You | logo = Fair for You logo.png | type = Community Interest Company | founded = 2015 | founder = Angela Clements | hq_location_country = United Kingdom | industry = Loans | products = Bedroom furniture, Household Appliances | brands = Hotpoint, Indesit, Whirlpool | owner = Fair for You Ltd | homepage = https://www.fairforyou.co.uk/ }}Fair for You is a British, not-for-profit online lending company. It is a Community Interest Company set up to provide finance to families who do not have access to mainstream credit, so that they can purchase goods for their home directly from the manufacturers.[1][2] The trading name of Fair for You is Fair for You Enterprise CIC, which is wholly owned by a charity of the same name, Fair for You Ltd.[3] HistoryFair for You was established in 2015 by CEO Angela Clements, who had run the Citysave Credit Union in Birmingham.[4][5] The business model was developed over two years, based on market research done on family households on less than £25k a year.[6][7] Fair for You secured £470,000 in September 2014, obtained its FCA licence[8] in December 2015 and was launched in February 2016 at the House of Commons.[9][10][11] According to the Financial Conduct Authority, around half of the people who have used other rent-to-own companies have experienced some degree of late payment fees, with more than one in 10 thought to end up having their goods repossessed.[12] Chair of the All Party Parliamentary Group on Debt and Personal Finance and Labour MP Yvonne Fovargue said at the launch event: "Fair For You is a real alternative to other rent to own companies."[13] AwardsIn 2018, Fair for You was voted Best Alternative Finance Provider and Firm of the Year at the Consumer Credit Awards.[14] Previously in 2017, Fair for You won another two awards, Consumer Credit Champions & Best Newcomer. [15] They have also been finalists for the Customer Engagement Solution category in the Credit & Collections Technology Awards 2018.[16] Product offeringsFair for You offers finance to purchase essential household items at an annual interest rate of 42.6%.[17] Charity and partnershipsIn 2018 Michael Sheen launched an alliance of organisations that are working towards providing alternatives to high cost credit and eliminating the poverty premium in the UK, which Fair for You is apart of.[18] [19] Fair for You have been members of the Social Enterprise UK since 2017.[20] Fair for You has built an online high street by partnering with manufacturers and retailers.[21] In 2015, the company partnered with Whirlpool, whose brands include Hotpoint and Indesit.[22] They received funding from a number of partners in 2014, such as Esmée Fairbairn Foundation, Joseph Rowntree Foundation, The Funding Network and others.[23] The organisation is working with a range of organisations, including Turn2Us and the Money Advice Trust, to bring the offering to market.[24] Fair for You is owned by Fair for You Ltd.[25] References1. ^1. [https://www.independent.co.uk/money/the-high-street-scandal-that-makes-the-poor-pay-more-for-less-a6932926.html "The high Street Scandal that makes the poor pay more for less"] The Independent, 15 March 2016 (accessed 30 March 2016) 2. ^"Social Enterprise takes on the pay weekly retailers" Third Sector, 29 March 2016 (accessed 30 March 2016) 3. ^[https://www.pioneerspost.com/news-views/20160209/new-social-enterprise-provide-low-income-households-lifeline "New Social Enterprise to provide low income households a lifeline"] The Pioneers Post, 9 February 2016 4. ^"Fair for You an affordable alternative to Brighthouse" Church Action on Poverty, 8 February 2016 (accessed 22 March 2016) 5. ^"Social Enterprise takes on the pay weekly retailers" Third Sector, 29 March 2016 (accessed 30 March 2016) 6. ^"New Social Enterprise to provide low income households a lifeline" The Pioneers Post, 9 February 2016 7. ^"A real challenge to high impact high cost credit?" Financial Heath Exchange, 29 January 2016 (accessed 30 March 2016) 8. ^[https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000001YYZznAAH Fair for You FCA license] 9. ^"Charity backs new lender to curb rent-to-own ‘legal loan sharks’" The Sunday Times (September 2014), accessed 30 March 2016 10. ^"Social Enterprise takes on the pay weekly retailers" Third Sector, 29 March 2016 (accessed 30 March 2016) 11. ^1. "[https://www.independent.co.uk/money/the-high-street-scandal-that-makes-the-poor-pay-more-for-less-a6932926.html The high Street Scandal that makes the poor pay more for less"] The Independent, 15 March 2016 (accessed 30 March 2016) 12. ^1. "The high Street Scandal that makes the poor pay more for less" The Independent, 15 March 2016 (accessed 30 March 2016) 13. ^"New Social Enterprise to provide low income households a lifeline" The Pioneers Post, 9 February 2016 14. ^{{Cite news|url=http://www.consumercreditawards.co.uk/previous-winners|title=Consumer Credit Awards Previous Winners 2018|last=People|first=Smart Money|date=|work=Smart Money People|access-date=2018-09-24|language=en-GB}} 15. ^{{Cite news|url=https://smartmoneypeople.com/news/post/consumer-credit-awards-2017-winners|title=Consumer Credit Awards 2017: The Winners|last=People|first=Smart Money|work=Smart Money People|access-date=2018-09-24|language=en-GB}} 16. ^{{Cite news|url=http://awards.credit-connect.co.uk/2018-hall-of-fame|title=2018 Hall of Fame - Credit-Connect Awards|work=Credit-Connect Awards|access-date=2018-09-24|language=en-US}} 17. ^[https://www.turn2us.org.uk/About-Us/News/New-rent-to-own-retailer-receives-charity-backing "Charities back Fair for You Social Enterprise"] Turn 2 Us, 5 February 2016 (accessed March 2016) 18. ^{{Cite web|url=https://the-alliance.org.uk/about-us/|title=About Us - The Alliance|website=the-alliance.org.uk|language=en-US|access-date=2018-09-24}} 19. ^{{Cite news|url=https://www.huffingtonpost.co.uk/entry/credit-lending-finance_uk_5aafc3b8e4b0230687fc3ad4?guccounter=1&guce_referrer_us=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvLnVrLw&guce_referrer_cs=gFrVf1UNPyiWspiJPiL-hA|title=We Must End Exploitative Lending Practices And Make Credit Fair For Those Who Need it|date=2018-03-20|work=HuffPost UK|access-date=2018-09-24|language=en-GB}} 20. ^{{Cite news|url=https://www.socialenterprise.org.uk/fair-for-you|title=Fair for You|work=Social Enterprise UK|access-date=2018-09-24|language=en}} 21. ^[https://www.pioneerspost.com/news-views/20160209/new-social-enterprise-provide-low-income-households-lifeline "New Social Enterprise to provide low income households a lifeline"] The Pioneers Post, 9 February 2016 22. ^"Social Enterprise takes on the pay weekly retailers" Third Sector, 29 March 2016 (accessed 30 March 2016) 23. ^"New Social Enterprise to provide low income households a lifeline" The Pioneers Post, 9 February 2016 24. ^"Can short term loans ever be ethical?" Good With Money (accessed March 2016) 25. ^"Social Enterprise takes on the pay weekly retailers" Third Sector, 29 March 2016 (accessed 30 March 2016) External links
2 : Financial services companies of the United Kingdom|2015 establishments in the United Kingdom |
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