The damage of financial abuse can continue long after a relationship is over. Photo: Flickr
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Government and banks must tackle the overlooked financial element of domestic abuse

Time for government, banks and creditors to break the silence.

Financial abuse is little recognised. But it’s serious. Many people are unaware that controlling someone’s money or limiting their economic freedom is in fact a form of domestic abuse.

It may not be as visible as physical violence, but exerting financial control can trap victims in abusive relationships by isolating them from friends and family, or cutting them off from the money they need to leave.

And the damage of financial abuse can continue long after the relationship is over. Victims can be left in dire financial straits, liable for debts they never agreed to, and at the mercy of the perpetrator who can still control and access their money.

The Home Secretary’s recent announcement that the government will seek to make "coercive control" illegal, marks a shift towards national recognition that domestic abuse is not just physical. It’s time that psychological, emotional and financial abuse was put on the same legal footing as physical abuse.

A new Citizens Advice report shines the spotlight on the hidden prevalence of financial abuse: nine in ten advisers contributing to our research have helped people with such cases in the last year.

One of the most common forms is where individuals have been forced by their partner to take out loans on their behalf: almost three-quarters of the advisers who responded to our survey have helped a client who has taken out credit and gone into debt as a result of pressure from their partner. Yet too often, high street banks and other lenders fail to acknowledge that their customer may be subjected to this type of control.

Earlier this year, a young woman came to Citizens Advice seeking help with almost £10,000 of debt. She had left her home and marriage because of the abuse she suffered from her husband. Following physical abuse and threats in the relationship, she had been forced by her partner to take out a number of debts in her own name, passing the money onto him. These included bank loans and credit cards, as well as acting as a guarantor for his loans.

Banks and other lenders have a big role to play in tackling this problem. While there is some good practice, the majority of banks and creditors fail to recognise the needs of those customers who fall victim to this type of abuse.

Of course it is a difficult area. It is not easy for a company to investigate behind the privacy of closed doors. Nor is it straightforward for victims to approach companies to try to untangle themselves from these sorts of financial ties.

Up until this point, statutory and self-regulators in the financial services industry have done little to ensure banks, lenders and other financial institution have a set of guidelines to help. This needs to change if victims of the kind of coercive control highlighted by Theresa May and our report are to be supported.

It is time financial abuse is addressed. The political will to do so is there: all three of the biggest political parties have pledged admirable commitment to eliminating abuse. It is time action is taken to prevent it and to help support victims to get back on their feet and on with their lives.

Government and financial professionals must work together to develop the framework so urgently needed to protect individuals at their most vulnerable.

Imogen Parker is Senior Policy Researcher at Citizens Advice and is leading the charity’s research into domestic abuse. She tweets @ImogenParker

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The most terrifying thing about Donald Trump's speech? What he didn't say

No politician uses official speeches to put across their most controversial ideas. But Donald Trump's are not hard to find. 

As Donald Trump took the podium on a cold Washington day to deliver his inauguration speech, the world held its breath. Viewers hunched over televisions or internet streaming services watched Trump mouth “thank you” to the camera, no doubt wondering how he could possibly live up to his deranged late-night Twitter persona. In newsrooms across America, reporters unsure when they might next get access to a president who seems to delight in denying them the right to ask questions got ready to parse his words for any clue as to what was to come. Some, deciding they couldn’t bear to watch, studiously busied themselves with other things.

But when the moment came, Trump’s speech was uncharacteristically professional – at least compared to his previous performances. The fractured, repetitive grammar that marks many of his off-the-cuff statements was missing, and so, too, were most of his most controversial policy ideas.

Trump told the crowd that his presidency would “determine the course of America, and the world, for many, many years to come” before expressing his gratefulness to President Barack Obama and Michelle Obama for their “gracious aid” during the transition. “They have been magnificent," Trump said, before leading applause of thanks from the crowd.

If this opening was innocent enough, however, it all changed in the next breath. The new president moved quickly to the “historic movement”, “the likes of which the world has never seen before”, that elected him President. Following the small-state rhetoric of his campaign, Trump promised to take power from the “establishment” and restore it to the American people. “This moment," he told them, “Is your moment. It belongs to you.”

A good deal of the speech was given over to re-iterating his nationalist positions while also making repeated references to the key issues – “Islamic terrorism” and families – that remain points of commonality within the fractured Republican GOP.

The loss of business to overseas producers was blamed for “destroying our jobs”. “Protection," Trump said, “Will lead to great strength." He promised to end what he called the “American carnage” caused by drugs and crime.

“From this day forward," Trump said, “It’s going to be only America first."

There was plenty in the speech, then, that should worry viewers, particularly if you read Trump’s promises to make America “unstoppable” so it can “win” again in light of his recent tweets about China

But it was the things Trump didn't mention that should worry us most. Trump, we know, doesn’t use official channels to communicate his most troubling ideas. From bizarre television interviews to his upsetting and offensive rallies and, of course, the infamous tweets, the new President is inclined to fling his thoughts into the world as and when he sees fit, not on the occasions when he’s required to address the nation (see, also, his anodyne acceptance speech).

It’s important to remember that Trump’s administration wins when it makes itself seem as innocent as possible. During the speech, I was reminded of my colleague Helen Lewis’ recent thoughts on the “gaslighter-in-chief”, reflecting on Trump’s lying claim that he never mocked a disabled reporter. “Now we can see," she wrote, “A false narrative being built in real time, tweet by tweet."

Saying things that are untrue isn’t the only way of lying – it is also possible to lie by omission.

There has been much discussion as to whether Trump will soften after he becomes president. All the things this speech did not mention were designed to keep us guessing about many of the President’s most controversial promises.

Trump did not mention his proposed ban on Muslims entering the US, nor the wall he insists he will erect between America and Mexico (which he maintains the latter will pay for). He maintained a polite coolness towards the former President and avoiding any discussion of alleged cuts to anti-domestic violence programs and abortion regulations. Why? Trump wanted to leave viewers unsure as to whether he actually intends to carry through on his election rhetoric.

To understand what Trump is capable of, therefore, it is best not to look to his speeches on a global stage, but to the promises he makes to his allies. So when the President’s personal website still insists he will build a wall, end catch-and-release, suspend immigration from “terror-prone regions” “where adequate screening cannot occur”; when, despite saying he understands only 3 per cent of Planned Parenthood services relate to abortion and that “millions” of women are helped by their cancer screening, he plans to defund Planned Parenthood; when the president says he will remove gun-free zones around schools “on his first day” - believe him.  

Stephanie Boland is digital assistant at the New Statesman. She tweets at @stephanieboland