WELCOME TO ISSUE 2 OF THE BADGER BULLETIN STRAIGHT FROM THE SETT

Let's cut to the chase. If you're here, you most likely want easier to get credit, more cash and fewer financial headaches. Every week, we’ll give you straight-up financial advice, ‘smart money moves’ and financial tips that actually work. Plus, a little bit of fun along the way. This week’s deep dive? Overdrafts – AKA Payday Loans in Disguise. If you’re constantly living on your overdraft, you need to read this. For all the rest of this week’s hints, tips and news, keep reading….

What’s happening in The Bulletin this week Badger?

Here’s what’s in it for you this week: our regular Hints & Tips kicks off with some basic but much needed ways to bolster your credit score. We have the first in a new series on Central Banks and whatever it is that they actually do (exciting stuff!). Next we give you the not-so bad boy Bully Badger and the chance to buy or sell gold, silver or your teeth (yes really). Finally we do a deepish dive into why your overdraft could be worse than taking out a payday loan! And that’s it. Whether you’re getting this on a Friday, Saturday or Sunday we hope you enjoy some weekend reading and sincerely hope you get something out of it. See you next week!

Credit Repair - Hints, Tips, and Hacks

Quickfire Credit Fixes – The Badger Way:

• Don’t Close Old Accounts: Length of credit history matters. Keep old, paid-off accounts open if they don't cost you anything. It shows lenders you're reliable over time.

• Micropayments on Credit Cards: Make two payments a month instead of one. Keeps your credit utilisation low and give the illusion of ultra-responsibility.

• Challenge Every Error: Even a wrong address can hurt your score. Dispute anything suspicious. The squeaky badger gets the honey.

• Ask for Higher Limits (and Don’t Use Them): Strange but true, higher credit limits (used responsibly) boost your score by lowering your usage percentage.

• Time Your Applications: Batching credit applications together within 14 days only counts as one search for scoring purposes. Badger your way in smartly!

Need a Loan? We've Got You!

• Amounts from £100 to £25,000.

• Terms from 12 months to 5 years.

• Good or bad credit? Not a problem.

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Central Banks: The Hidden Hand in Your Pocket

‘Give me the right to issue and control a nation's money and I care not who governs the country.’

The above quote was supposedly said by Mayer Amschel Rothschild, prior to changing the family name from Bauer to Rothschild (Red Shield). If you’re into conspiracy theories that quote is all you’ll ever need to know - about pretty much everything!

Nearly every country on earth has a central bank barring a few notable exceptions. As the Rothschilds were instrumental in spreading central banking across Europe then America the above quote is particularly relevant to our story.

When people hear "bank", they think of the one on the high street. However, behind every mortgage, every loan, every bounced direct debit, lurks the real power, the Central Banks. As a small boy one of my childhood fantasies, apart from scoring winning goals at Wembley, was to have a bank account with the Bank of England. My despair at being told they don’t do current accounts for oiks was both profound and heartfelt. Why did they exist if I couldn’t have an account with them? What was their point?

I had no idea. Being perfectly honest, I still don’t. Next week we’ll do the other side of the coin (pun intended) but this week the boot is on my left foot. Here goes:

Central Banks don’t just set interest rates. They control how much money even exists. They create inflation. They engineer recessions. They lend money out of thin air... then make us sweat blood to pay it back with real labour.

The truth? Central Banks are not government departments. They're private institutions, quietly enriching a few at the expense of everyone else. Most central banks are private companies so secretive that we are not even allowed to know who the directors are. Smell something funny?

Heard of quantitative easing? That’s also called money printing. It’s also called smoke and mirrors and snake oil selling. Why? Because every pound we earn loses value the second they print another one.

We’re not broke because we’re bad with money, although obviously…...
We’re broke because they are very good at stealing its value.

Central Banks: Masters of the Scam

Think we live in a free market? Think again.
The "free market" has been rigged from the start.

Central Banks print money out of nothing, lend it to governments with interest, and make us pick up the tab.
The more they print, the poorer we get.
It’s not bad luck. It’s not poor budgeting. It’s mathematical theft.

Every time we pay a bill, buy food, or fill our cars, we're really paying off interest on a magic trick we never agreed to and we definitely didn’t vote for.
The magic trick is called currency debasement and it’s been rinsing people for centuries.

You’re not imagining it.
We are being played.

Struggling for money!? Need some flesh on your bones?

Badger Loans has your back. And a sun lamp!

We’re much more than just a credit broker—we help repair your credit score while giving you access to some of the best bad credit loan deals in the UK. With our seamless process, you can:

• Get instant approvals on loans

• Enjoy same day payouts (or sometimes quicker!) directly to your account

• Sell your Gold Silver or Jewellery with our Bully Badger bullion service

• About to inherit? Probate underway? See our Probate & Estate Loans

• Get a Home Improvement Loan without using your home as security.

Why wait? Take control of your finances today:

Bully Badger – Turn Old Gold into Smart Money

Meet Bully Badger.

He’s not an angry, uptight badger. He’s a helpful, friendly badger and he’s got one job and one job only. Before you think about taking out one of the more expensive loans of your life, have a look around your place for some unwanted, forgotten gold or jewellery. Found some? Head over to Bully Badger and sell it via our partnership with Hatton Garden Metals. They are one of the oldest and most trusted purveyors of gold and precious metals in the country and they want your old gold or jewellery.

Your Overdraft is a Payday Loan – Here’s Why

You probably don’t think of your overdraft as a loan. After all, there are no monthly repayments, no reams of paperwork to fill in to set it up and basically your bank just gave it to you, right? A handy buffer for when things get tight. A safety net for your account, waiting to catch you.

Except it’s not a safety net. It’s a trap.

Overdraft Interest is Worse Than Payday Loan Rates

Back in the day, payday loans were charging APRs of 1,000% or more, which was high enough for the FCA to cap them. But did you know that some overdrafts were even worse?

When the FCA stepped in, banks panicked. They scrapped daily overdraft fees and moved to a single flat interest rate which was usually 39.9% APR. However, that’s nearly double the average credit card rate and nearly on par with a high-cost instalment loan.

To put it simply:
💰 If you’re £500 into your overdraft for a month, you could be paying around £16 in interest.
💰 Borrow the same on a standard personal loan? £1 or less.

Why Banks Love Overdrafts (and Why You Shouldn’t)

1️⃣ They’re sneaky – Unlike loans, overdrafts don’t come with a repayment plan. That means people can end up stuck in them for years, paying interest indefinitely.
2️⃣ They encourage bad habits – Need more money? The bank extends your overdraft. Suddenly, you’re £2,000 down and paying nearly £60 a month just to exist.
3️⃣ They get away with murder – Because overdrafts don’t feel like debt, most people don’t prioritise paying them off, so banks milk the fees for as long as possible.

How to Escape the Overdraft Trap

✅ Treat it like a loan – Set a repayment goal and chip away at it every month.
✅ Switch to a 0% overdraft if possible – Some banks offer interest-free overdrafts for a set period if you switch to them. Use this window to pay it off without fees.
✅ Consider a low-interest loan or credit card – Transferring the debt to a lower-interest product can save you a fortune. As long as you make sure you’re disciplined with repayments.

Final Thought

If banks advertised overdrafts properly, they’d be saying:
💀 “Would you like a payday loan at nearly 40% APR, with no repayment plan, that we can change the terms of whenever we like?”

But they don’t. They call it "helping you manage your money."

Don’t fall for it.

That’s all for this week folks!

That's it from the Sett for now. Remember: in a world run by central banks, being a badger - stubborn, sharp-eyed, and downright awkward could be your greatest weapon. Looking for a loan? Click HERE.

📢 Want to keep getting this newsletter? Stick around for next week’s issue, where we’ll uncover more financial traps hiding in plain sight. Plus more tips to get your credit score flying.

See you next time,
Badger Loans