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SMS loan defaults at record high: report

The Swedish Enforcement Authority (Kronofogden) received notice of 46,000 unpaid text message loans in 2009, an increase of 30 percent on 2008.

“We have received several reports of people taking these loans to pay other bills and debts, especially now during the recession,” Janne Åklerlund at the authority said in a statement on Wednesday.

The authority has expressed concern in recent years that even those with poor credit are able to secure loans.

“We hope that our proposals will be adopted within the legislative proposition that the government has submitted for referral, including the tightening up of credit checks and to reduce the incidence of text message loans being a fast track into debt,” Åkerlund said.

The authority however welcomed the news that the proportion of defaults by young people continues to decline. In 2009 the number of applications submitted directed at those aged 18-25 also declined in real terms.

“We can finally see that the trend concerning young people has been broken. We hope that the change is not temporary.”

The Enforcement Authority is accountable to central government, but operates as an autonomous public authority. The authority supervises bankruptcies, collect debts, offers debt relief and is responsible for preventive action.

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SMS

Sweden to send mass text to population on Christmas Covid rules

Sweden's public health agency is to send out text messages to every mobile phone number in the country hoping to drum home recommendations designed to prevent an explosion of infection over Christmas and the New Year.

Sweden to send mass text to population on Christmas Covid rules
Morgan Olofsson, communications chief for MSB, Home Minister Mikael Damberg and Digital Minister Anders Ygeman announce the texts at a press conference on Friday. Photo: Jessica Gow/TT
“We are now in a difficult situation ahead of Christmas and New Year and we want to give the Swedish people yet another reminder,” Sweden's home minister Mikael Damberg said at a press conference announcing the mass text on Friday morning. 
 
Sweden's Public Health Agency last Tuesday issued new guidelines which come into force on Monday December 14th, requesting that people in Sweden limit their socialising over the festive period if possible to a bubble of eight people, avoid new contacts, meet outside as much as possible, and avoid public transport as much as possible.
 
 
The mass text messaging is being done together with Sweden's four biggest telecoms operators, Telia, Tele2, Telenor and Tre. According to the TT newswire, there are about 22 million mobile phone contracts in the country of 10 million people. 
 
“They have come forward voluntarily to help carry this out practically. They are performing an important service to reduce the spread of infection in Sweden,” said digitalisation minister Anders Ygeman. 
 
The text in the SMS, in Swedish, will read: “Information from the authorities: Follow the new tighter advice in order to stop the spread of infection. Read more on the Krisinformation website.” 
 
It will not itself mention any of the actual recommendations for Christmas, instead enjoining recipients to go online and check up on what they are. 
 
At the press Damberg reiterated that, although there are no fines or other sanctions for not following the recommendations, they should not be seen as voluntary.  
 
“The recommendations from the agencies aren't some kind of tips for the public — they should be followed,” he said. 
 
At the press conference Morgan Olofsson, the crisis preparedness agency's communication chief, said that the text messages “obviously and unfortunately” could only be sent out in Swedish and encouraged Swedes with an immigrant background and good Swedish language skills to translate the message for those who understand Swedish less well.  
 
“We think this way — if all of you who read this message, if you help, in your language to the extent that you can, to  spread the message further, then everyone will understand how serious the situation is, and that way we can save lives,” he said. 
 
The Krisinformation website itself contains links to information about the coronavirus in Sweden in other languages, which you can find here. The Local has also published a Q&A about what the rules mean in English.

 
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