Charlie Weston

speaker

1,990 appearances 20 recordings 3 series first heard May 2026 last heard 2 Sep

Charlie Weston’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 20 in all, peaking in Jun 2026 with 7.

Appearances

newest first · ▶ plays the moment

The Last Word with Matt Cooper · CCPC Raises Concerns About ‘Buy Now, Pay Later’ Schemes · 8 Jul 2026 podcast

So, but I mean, for people who just haven't got the money up front, it's a way of just stretching out the payments. matched

You know, you make an initial payment and then, matched

The next couple of weeks, when you have more money, you pay off some of that. matched

But we've always had credit like this, or the never-never, as your granny used to call it. matched

But it's become so prevalent, so popular, and it's heavily advertised, and the retailers love it. matched

So the retailers and the buy-now-pay-later companies are pushing it hard because it works really well for them. matched

People buy more than they otherwise would. matched

Yeah, exactly, Matt. matched

Look, often car finance is the last thing that people think about. matched

They go and find the car they want. matched

to take it for a test drive they like the car they need to change the car maybe and then they go oh god how am i going to finance this instead of having the credit you know the finance ready in advance maybe if they're lucky enough to have cash or get a loan from a credit union uh but then afterwards they think about well i do a higher purchase will i do a car loan uh some you know some some dealers will give you zero percent car loans uh but the issue here is pcp pcp indeed matt yeah matched

But, you know, the issue here is the dealer who's selling you that is offering you that credit, they arrange the credit and they get a fee for it. matched

They are not regulated by the central bank. matched

Unusually, the Competition and Consumer Protection Commission regulates them. matched

This is where it gets confusing. matched

Normally, anybody offering financial deals of any kind is regulated by the central bank. matched

You have your mortgage brokers regulated by the central bank, your investment advisors regulated by the central bank, investment firms regulated by the central bank. matched

You know, somebody offering you insurance, they're regulated by the central bank. matched

A car dealer offering you finance is regulated by the consumer. matched

the Competition and Consumer Protection Commission. matched

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