To do a decent job in an advisory and teaching capacity requires a man who genuinely wants others to get the credit.

I may have county court judgments against me and it might affect my ability to get credit, which make some people nervous enough to cough up.

In reality, it is a doorstep lender, giving loans to people who have a poor credit rating or those who cannot get credit on the high street.

He'll get credit and also take some flak.