{"id":343999,"date":"2008-12-20T15:47:59","date_gmt":"2008-12-20T14:47:59","guid":{"rendered":"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/?p=343999"},"modified":"2021-02-05T15:53:28","modified_gmt":"2021-02-05T14:53:28","slug":"krafttag-behovs-mot-de-oetiska-laneinstituten","status":"publish","type":"post","link":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/","title":{"rendered":"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten"},"content":{"rendered":"<p>Julen knackar p\u00e5 d\u00f6rren, julklappar och julmat ska inhandlas och pengarna har en tendens att inte r\u00e4cka till. Kronofogden kommer \u00e4nnu en g\u00e5ng att ha ett svart rekord\u00e5r. F\u00f6rra \u00e5ret hamnade 20 000 svenskar som tagit sms-l\u00e5n hos Kronofogden. I \u00e5r skruvar Kronofogden upp prognosen f\u00f6r antalet obetalda sms-l\u00e5n och befarar en \u00f6kning med \u00f6ver 100 procent. Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten. Det kan inte vara meningen att de ska g\u00f6ra stora vinster p\u00e5 en oetisk utl\u00e5ningspolitik som samh\u00e4llet sedan f\u00e5r betala dyrt f\u00f6r.<\/p>\n<p>Inf\u00f6r julen g\u00e5r konsumtionen p\u00e5 h\u00f6gvarv och \u00e5rets julhandel f\u00f6rv\u00e4ntas oms\u00e4tta 61 miljarder kronor. I detta virrvarr av konsumtion \u00e4r det m\u00e5nga som irrar ner sig i kredit- och blancol\u00e5ntr\u00e4sken, n\u00e5got som utnyttjas maximalt av kreditf\u00f6retagen. De g\u00f6r vinst p\u00e5 m\u00e4nniskors dr\u00f6mmar och okunskap genom att f\u00f6ra en ansvarsl\u00f6s utl\u00e5ningspolitik d\u00e4r tidigare betalningsanm\u00e4rkningar inte ses som ett hinder. F\u00f6retaget Meddelandel\u00e5n till\u00e5ter exempelvis l\u00e5n f\u00f6r m\u00e4nniskor som redan har sex betalningsanm\u00e4rkningar och dessutom kr\u00e4ver de enbart en \u00e5rsinkomst p\u00e5 4000 kronor. Detta g\u00f6r det m\u00f6jligt att f\u00f6rs\u00e4tta redan skuldsatta m\u00e4nniskor i en \u00e4nnu mer utsatt situation som \u00e4r mycket sv\u00e5r att komma ur. Kronofogdens statistik visar att 60 procent av de \u00e4renden om sms-l\u00e5n som inkommit r\u00f6r personer som redan finns i kronofogdens register, med kreditf\u00f6retagens inst\u00e4llning \u00e4r det inget f\u00f6rv\u00e5nande.<\/p>\n<p>Regeringen har genom Mats Odell (kd) tagit ett initiativ till en privatekonomisk folkbildning och det \u00e4r ett bra f\u00f6rsta steg, men det beh\u00f6vs mer. Det skulle \u00e4ven beh\u00f6vas en juridisk trygghet f\u00f6r alla medborgare med regler som skyddar mot alltf\u00f6r dyra krediter eller rent av \u00f6verskulds\u00e4ttning, samt de negativa effekter som kan f\u00f6lja.<\/p>\n<p>I april i \u00e5r antog EU ett nytt konsumentkreditdirektiv f\u00f6r att ge oss ett b\u00e4ttre konsumentskydd. I samband med att detta genomf\u00f6rs i svensk lag g\u00f6rs samtidigt en \u00f6versyn av konsumentkreditlagen. Fr\u00e5gan bereds nu inom justitiedepartementet och ett lagf\u00f6rslag v\u00e4ntas f\u00f6re \u00e5rsskiftet. Jag s\u00e4tter stor f\u00f6rhoppning till denna \u00f6versyn, men f\u00f6r varje dag som g\u00e5r fastnar fler och fler i skuldf\u00e4llan, ingen God Jul direkt. Sms-l\u00e5nens oetiska l\u00e5nevillkor har varit k\u00e4nda i flera \u00e5r men trots det har vi fortfarande ingen lagstiftning f\u00f6r att skydda oss konsumenter.<\/p>\n<p>Nu \u00e4r julen snart h\u00e4r, skolstarten kommer, semestrarna ska b\u00f6rja planeras. Till dess att de nya direktiven har b\u00f6rjat g\u00e4lla m\u00e5ste vi finna en l\u00f6sning som skyddar m\u00e4nniskor fr\u00e5n att kedja fast sig i sms-l\u00e5nespiralen.<\/p>\n<p>Liza-Maria Norlin Kristdemokrat och snart riksdagsledamot<br \/>\n<!--Debattartikeln har \u00e4ven publicerats i Sundsvalls Tidning den 21 december 2008 med rubriken En skuldsatt jul--><\/p>\n<hr \/>\n<p><a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/kategorier\/ekonomi-skatter\/\">Ekonomi\/skatter<\/a> | <a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/etiketter\/ekonomi\/\">ekonomi<\/a> \u00b7 <a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/etiketter\/jul\/\">jul<\/a> \u00b7 <a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/etiketter\/liza-maria-norlin\/\">Liza-Maria Norlin<\/a> \u00b7 <a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/etiketter\/sms-lan\/\">sms-l\u00e5n<\/a> \u00b7 <a href=\"http:\/\/wp.kristdemokraterna.se\/vasternorrland\/etiketter\/skultsattning\/\">skulds\u00e4ttning<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Julen knackar p\u00e5 d\u00f6rren, julklappar och julmat ska inhandlas och pengarna har en tendens att inte r\u00e4cka till. Kronofogden kommer \u00e4nnu en g\u00e5ng att ha ett svart rekord\u00e5r. F\u00f6rra \u00e5ret hamnade 20 000 svenskar som tagit sms-l\u00e5n hos Kronofogden. I \u00e5r skruvar Kronofogden upp prognosen f\u00f6r antalet obetalda sms-l\u00e5n och befarar en \u00f6kning med \u00f6ver <a class=\"read-more-link\" href=\"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/\">Read More<\/a><\/p>\n","protected":false},"author":861,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[544,727],"tags":[543,265,1206,1258,49,376,1257],"class_list":["post-343999","post","type-post","status-publish","format-standard","hentry","category-ekonomi","category-nyheter","tag-alla-inlagg","tag-ekonomi","tag-ekonomi-skatter","tag-jul","tag-liza-maria-norlin","tag-skuldsattning","tag-sms-lan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten | KD V\u00e4sternorrland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten | KD V\u00e4sternorrland\" \/>\n<meta property=\"og:description\" content=\"Julen knackar p\u00e5 d\u00f6rren, julklappar och julmat ska inhandlas och pengarna har en tendens att inte r\u00e4cka till. Kronofogden kommer \u00e4nnu en g\u00e5ng att ha ett svart rekord\u00e5r. F\u00f6rra \u00e5ret hamnade 20 000 svenskar som tagit sms-l\u00e5n hos Kronofogden. I \u00e5r skruvar Kronofogden upp prognosen f\u00f6r antalet obetalda sms-l\u00e5n och befarar en \u00f6kning med \u00f6ver Read More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/\" \/>\n<meta property=\"og:site_name\" content=\"KD V\u00e4sternorrland\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kdrvn\/\" \/>\n<meta property=\"article:published_time\" content=\"2008-12-20T14:47:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-05T14:53:28+00:00\" \/>\n<meta name=\"author\" content=\"sendelbach\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"sendelbach\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/\"},\"author\":{\"name\":\"sendelbach\",\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/#\\\/schema\\\/person\\\/c253503d86970574912dff6ec658bf28\"},\"headline\":\"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten\",\"datePublished\":\"2008-12-20T14:47:59+00:00\",\"dateModified\":\"2021-02-05T14:53:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/\"},\"wordCount\":495,\"keywords\":[\"alla inl\u00e4gg\",\"ekonomi\",\"ekonomi\\\/skatter\",\"jul\",\"Liza-Maria Norlin\",\"skulds\u00e4ttning\",\"sms-l\u00e5n\"],\"articleSection\":[\"Ekonomi\\\/skatter\",\"Nyheter\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/\",\"url\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/\",\"name\":\"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten | KD V\u00e4sternorrland\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/#website\"},\"datePublished\":\"2008-12-20T14:47:59+00:00\",\"dateModified\":\"2021-02-05T14:53:28+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/#\\\/schema\\\/person\\\/c253503d86970574912dff6ec658bf28\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/#breadcrumb\"},\"inLanguage\":\"sv-SE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/krafttag-behovs-mot-de-oetiska-laneinstituten\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hem\",\"item\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/#website\",\"url\":\"https:\\\/\\\/wp.kristdemokraterna.se\\\/vasternorrland\\\/\",\"name\":\"KD V\u00e4sternorrland\",\"description\":\"V\u00e5rda v\u00e5rden - 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I \u00e5r skruvar Kronofogden upp prognosen f\u00f6r antalet obetalda sms-l\u00e5n och befarar en \u00f6kning med \u00f6ver Read More","og_url":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/","og_site_name":"KD V\u00e4sternorrland","article_publisher":"https:\/\/www.facebook.com\/kdrvn\/","article_published_time":"2008-12-20T14:47:59+00:00","article_modified_time":"2021-02-05T14:53:28+00:00","author":"sendelbach","twitter_card":"summary_large_image","twitter_misc":{"Skriven av":"sendelbach","Ber\u00e4knad l\u00e4stid":"2 minuter"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/#article","isPartOf":{"@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/"},"author":{"name":"sendelbach","@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/#\/schema\/person\/c253503d86970574912dff6ec658bf28"},"headline":"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten","datePublished":"2008-12-20T14:47:59+00:00","dateModified":"2021-02-05T14:53:28+00:00","mainEntityOfPage":{"@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/"},"wordCount":495,"keywords":["alla inl\u00e4gg","ekonomi","ekonomi\/skatter","jul","Liza-Maria Norlin","skulds\u00e4ttning","sms-l\u00e5n"],"articleSection":["Ekonomi\/skatter","Nyheter"],"inLanguage":"sv-SE"},{"@type":"WebPage","@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/","url":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/","name":"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten | KD V\u00e4sternorrland","isPartOf":{"@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/#website"},"datePublished":"2008-12-20T14:47:59+00:00","dateModified":"2021-02-05T14:53:28+00:00","author":{"@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/#\/schema\/person\/c253503d86970574912dff6ec658bf28"},"breadcrumb":{"@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/#breadcrumb"},"inLanguage":"sv-SE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/krafttag-behovs-mot-de-oetiska-laneinstituten\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hem","item":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/"},{"@type":"ListItem","position":2,"name":"Krafttag beh\u00f6vs mot de oetiska l\u00e5neinstituten"}]},{"@type":"WebSite","@id":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/#website","url":"https:\/\/wp.kristdemokraterna.se\/vasternorrland\/","name":"KD V\u00e4sternorrland","description":"V\u00e5rda v\u00e5rden - 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