In this visitor post, Skint Dad, a supporter of our tidy up Credit campaign, speaks freely about their experiences of pay day loans spiralling away from control. He shares their tale to assist other people from stepping into debt…

Just last year, my fiancée and I also had been both working and doing OK (and so I thought) and I also ended up being determined to own a great Christmas time. I knew we had been both due to be compensated right before xmas and i knew we couldn’t then leave it until doing the Christmas time shopping.

After checking the lender i could already see we were well into our overdraft and the thing that was left is required for food and travel. We knew precisely what to complete. Read more