Halton Trading Standards has made a one minute video urging people to think twice before using a loan shark. You can watch it here: Let’s not give Santa Jaws a reason to dance. https://www.youtube.com/watch?v=jwNuIY6gobA&t=0s&index=9&list=PLeXIVsKOQx2YNOjEJyfLyAS-x4ntOApAM.

You can also watch it on Halton Trading Standards YouTube channel, by just searching for Halton Trading Standards. Unlike loan sharks, credit unions can help you prepare safely for next Christmas – and more cheaply. Halton is lucky to have a great credit union that allows you to save from as little as £2 per week and borrow against your savings.

ou can also lock away savings in a Christmas club for next year. Find out more about on its website www.haltoncu.co.uk If you have already been caught out by a loan shark, the Illegal Money Lending Team can help you – call it in confidence on 0300 555 2222.

Halton Borough Council’s Executive Board Member for Trading Standards, Cllr Dave Cargill, said: “If you know of a loan shark operating in your area or affecting your friends or family, report him or her in confidence to the Illegal Money Lending Team on the same number or using the online form on its website.

“If you or somebody you know has been caught out by a scam or fraud please contact one of our specialist officers, Linda or Sue on 0151 511 8785 or 0151 511 8775, who are already working with people in Halton who have lost thousands of pounds to scams.

If you need advice on anything else please contact the Citizens Advice Consumer Helpline or 03454 04 05 06