Many of its customers are lower income and in desperate straits, struggling to cover their living expenses.

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"We are now encouraging the DTI to examine the impact that this initiative has had with a view to extending the projects to other parts of the country, so that more communities can fight back against these callous, often vicious, individuals who take advantage of people in desperate straits, " said Ron Gainsford, chief executive of TSI.

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She repeatedly broke down in tears on the witness stand Wednesday, saying she was left in desperate financial straits when her husband died in 2009.

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