Posssibly because they don't have access to any alternative source of credit.
Obviously plot but buy getting a loan/credit the victim puts themselves into an ever spiralling life of depression and constant money borrowing.
I've never heard of the credit union but then again I don't believe in loans or the likes of brighthouse.
Playing on the less fortunate the lot of em, like leeches sucking blood.
Go skint for a week plumber, you'll be better off in the long run believe.