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| Diff Summary | |||||
|---|---|---|---|---|---|
| Title | payday Advance uk | buy cheap viagra online | |||
| Date | 2013-04-03 12:02:30 | 2013-04-04 15:33:24 | |||
| Editor | Anonymous | Anonymous | |||
| Edit | Edit this version | Edit this version | |||
| Tags | |||||
| 2013-04-03 12:02:30 by Anonymous / Edit this version | 2013-04-04 15:33:24 by Anonymous / Edit this version | ||||
|---|---|---|---|---|---|
| t | 1 | First thing is don't borrow any more money fr | t | 1 | prllcj <a href="http://buyviagradsb.com/ ">buy che |
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| > | is talk to them. Lenders – including pay day | ||||
| > | lenders are bound by both state credit codes and | ||||
| > | the uniform credit code – this means that th | ||||
| > | ey must follow strict guidelines on how they do bu | ||||
| > | siness and collect money(this falls under govt act | ||||
| > | s) – so don't assume that they are not | ||||
| > | answerable to anyone. In NSW there is actually a c | ||||
| > | ap on the amount of interest they can charge you p | ||||
| > | er annum. If you were in this situation when they | ||||
| > | lent to you – then they shouldn't have | ||||
| > | (unless you weren't completely truthful on yo | ||||
| > | ur application). Sometimes we are victims of circu | ||||
| > | mstance and can get into trouble as you are (you a | ||||
| > | re not alone). They can ask you for money – | ||||
| > | but cannot make unreasonable demands or discuss yo | ||||
| > | ur debt with anyone other than yourself. They also | ||||
| > | cannot refuse a payment you attempt to make ̵ | ||||
| > | 1; even if it is not the amount they had hoped for | ||||
| > | .Make a repayment plan that is very small (so you | ||||
| > | are making an effort to pay) and explain that you | ||||
| > | first need to organise accomodation and maybe empl | ||||
| > | oyment (you didn't say if you had a job or no | ||||
| > | t). If you feel you are being harassed by them  | ||||
| > | 211; contact the dept of fair trading as there are | ||||
| > | definate rules as to when you can be contacted , | ||||
| > | how, and how often they may approach you for funds | ||||
| > | . DO NOT let yourself be bullied – but DO be | ||||
| > | honest , reliable and don't committ to a rep | ||||
| > | ayment plan that you know you cannot afford as tha | ||||
| > | y are not allowed to force you to accept an unaffo | ||||
| > | rdable agreement. If they are trying to direct deb | ||||
| > | it the funds from your account – and you hav | ||||
| > | e no money – you DO have the right to advise | ||||
| > | them in writing to stop as the funds aren't | ||||
| > | available (this will stop your bank account going | ||||
| > | into debit and causing unecessary fees). If they d | ||||
| > | o not stop – take a copy of your letter to y | ||||
| > | our bank and advise them you have requested the le | ||||
| > | nder in wirting not to debit your account. Your ba | ||||
| > | nk will then make this stop. Stay in contact with | ||||
| > | the lender and if you make regular repayments (eve | ||||
| > | n if it is a small amount) you will prove that you | ||||
| > | r situation is genuine and your are making every a | ||||
| > | ttempt to rectify the situation. In these circumst | ||||
| > | ances you can feel like there is no light at the e | ||||
| > | nd of the tunnel – but trust me there is. Th | ||||
| > | e more you hide from them the harder it will be to | ||||
| > | solve. Beware of people offering you quick fixes | ||||
| > | – as they will fix quick but leave a bitter | ||||
| > | taste in your mouth for years to come. It's n | ||||
| > | ot worth it. You are better off trying to pay the | ||||
| > | money back – than trying to avoid them. | ||||
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