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Geoff HaywardKia Ora, Geoff the Maori here. It’s been an exiting period as your President in 2007. There’s been a lot that’s happened, some good, some not so good.I won’t lie to you, it’s been a challenge at times, but the best moments have been when I have been with you, the students; chanting with students at University Games, partying at Orientation gigs and meeting students, in the city, and on campus. My record is supporting the students, not political agendas. We have a balanced budget, and renewed student action. All in all, we are getting VUWSA back on track.
Why are you running for President? The problem is that there is so much left to do. It’s the little things that have hamstrung this Association, systemic faults in how this organisation is run, and they require a cultural shift… a shift that requires consistency and resolve in its leadership. I want to see that change through, fixing the Constitution, training Executive members, and a code of conduct (which will be on the table come Wednesday’s AGM). Until this is sorted out, it won’t matter who you elect, one set of muppets, or another.
What’s the biggest issue that students are facing? It is the threat of a deceptive campaign, countenanced by a half million dollar bribe. Should my opponent and their friends become elected, they’ll break the law in paying you back. In fact, if you vote for them, you could be fined as well. Do students want to be represented by those who are prepared to break the law? And how about the end of Clubs, Rep Groups, University Games, and Orientations…just in 2008? I support these important parts of student life, and I promise that I will not only never cut their budgets, but seek to increase them.
Joel CosgroveHey! My name’s Joel Cosgrove, born in Porirua, raised at Vic Uni, I’m the most experienced candidate for the presidency. I’ve been on VUWSA for 3 years now as a volunteer, Activities Officer and since half way through last year as Education Vice-President. I’m a member of a whole bunch of clubs and in that role and the ones in VUWSA I’ve come into contact with most people at Uni. I’ve lived on $150 a week, I’ve gone for a couple of days without food cause I was too poor, I’ve lived in student poverty and not liked it. All the way through Uni I’ve called a spade a spade and Howard a racist. I’ve stood always for students.
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Other laws will require college freshmen to have meningitis vaccines; raise insurance premiums for smokers enrolled in the state's health plan; tighten notice and disclosure requirements for payday and auto title loan businesses; and increase training
The director, Richard Cordray, who was appointed to the post on Wednesday by President Obama, encouraged consumers to contact the agency through its Web site with complaints about banks, payday lenders and other financial institutions that they think
Associated Press WASHINGTON -- With its first chief now in place, the new Consumer Financial Protection Bureau will start enforcing rules aimed at reining in abusive mortgage servicers, student lenders and payday-loan companies. It will be months,
As more states pass laws to rein in lenders who deal in high-interest, short-term loans, Indian tribes like the Chippewa Cree and their new online lending venture, Plain Green Loans, are stepping in to fill the void. The Internet lets them reach beyond
Are Cash Loans Until Pay Day Legal In Every State? | Debt ...
No, cash loans until payday programs are not legal in every state. 16 states in the United States of America have either banned these types of loans or imposed low-rate restrictions on such lenders. Other states , where this form of lending still enjoys a legal status, have enacted different laws to regulate lenders’ activities. Awareness regarding the specific payday loan laws that are applicable in your state is very important for all those people who are considering borrowing this type of loan or are already trapped in a vicious cycle of debt that these loans are notorious for.
States Where Payday Lending Is Defacto Prohibited
The states where payday lending is defacto prohibited include Maryland, North Carolina, Vermont, Pennsylvania, District Of Columbia, West Virginia, Oregon, Massachusetts, Connecticut, New Hampshire, Maine, Arizona, Arkansas, Ohio, New York, New Jersey and Georgia. You cannot find a legal payday lender in any of these states. If you are a resident of one of these states and an online payday loan company is offering you a cash advance, it is illegal on part of that lender. Internet-based lending companies often claim that since they are operating their business through Internet and that their offices are not based in any of these states, they can offer cash loans until payday to even those people who are residents of one of these states. Here, it is very important for you to understand that the state laws for payday loans apply depending upon the residential status of a borrower, not a lender. No matter where the offices of payday lenders are located, as long as you are a legal resident of one of these 16 states, it is illegal for them to issue you a payday cash advance.
Other States Where Payday Lending Is Legal
Though all states have enacted certain laws for cash loans until payday, but not all of them have made the laws favorable for the borrowers. Many states still allow extremely high APR on these types of loans. For example, the maximum APR allowed in Wyoming is 780%, 459% in Tennessee, 520% in North Dakota, 650% in Montano, 1980% in Missouri, 572% in Mississippi and 650% in Louisiana – just to name a few. But still, the laws have provided a certain level of protection to payday loan borrowers. Many states have imposed certain rollover laws . The states where rollovers are strictly prohibited include Wyoming, Washington, Virginia, Tennessee, South Carolina, Oklahoma, Ohio, New Mexico, New Hampshire, Nebraska, Montana, Mississippi, Minnesota, Michigan, Kentucky, Iowa, Indiana, Illinois, Hawaii, California and Arkansas.