They noted that at that point in the ad an on- screen cursor could be seen moving towards, and subsequently clicking on, the company logo in the corner of the screen, which then switched to displaying the company's website address. They said the ad pointed customers in the direction of the online channel.
Clearcast said their general view was that the costs associated with payday lending meant that it should only be considered as a last resort and not as an everyday form of borrowing, and they did not approve broadcast ads which suggested payday loans were suitable for discretionary spending.
They felt that the ad in question, including the reference to "life's little ups and downs", was consistent with their general approach, which was to approve treatments referring to payday loans as suitable rhb easy personal loan interest unexpected expenses. They said there was no suggestion in the ad that a payday loan should be undertaken for frivolous or non-essential reasons, but rather that it might be an option for those who needed money to deal with an emergency situation.
The Money Shop and the agency disputed whether the cashback offer was rhb easy personal loan interest that it required, under the Consumer Credit (Advertisements) Regulations 2010 ("the Regulations"), the inclusion of the RAPR in the ad with greater prominence than the offer. They considered the promotion was a reward for good borrower behaviour in the case that a consumer chose to take out a loan, austin payday advance loans than an incentive to apply for credit.
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