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In this visitor post, Skint Dad, a supporter of our tidy up Credit campaign, talks freely about their experiences of pay day loans spiralling out of hand. He shares their tale to aid other people from engaging in debt…

A year ago, my fiancée and I also had been both working and doing OK (and so I thought) and I also ended up being determined to possess a great xmas. We knew we were both due become compensated right before Christmas and i knew we couldn’t then leave it until doing the xmas shopping.

After checking the lender i could already see we were well into our overdraft and the thing that was kept is necessary for meals and travel. We knew precisely what to accomplish. Like I experienced done for the past month or two before – I would just just simply take down an online payday loan.

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