Our organisation is here to help all people of the North East with a particular emphasis on helping those who find themselves financially excluded or vulnerable. An increasing number of our society are finding themselves financially excluded as the levels of debt rise and increasingly people are finding it difficult to repay. This leads to a detrimental effect on their credit score and decreasing opportunities to borrow at High Street rates. Resorting to borrowing from high interest providers exasperates the problem sending them into a spiral of debt. Increasingly this includes the employed as well as the unemployed. We provide affordable lending opportunities to all, including those that may have impaired credit ratings, to offer them an opportunity to break that cycle of debt and relieve the stress that comes with it, which has significant impacts on their health and well being. We also encourage a savings culture and all our loan products are based on a save to borrow ethos. We also provide a strong educational ethos aimed at preventing future generations from falling into the debt trap. We encourage a save to spend culture rather than a buy now pay later which has been largely responsible for the current financial malaise. We care about everyone of our members as an individual and work closely with them to find solutions with incredible success.