Be aware of your rights and where to go for help if you have a problem. Be wary of get a personal loan a payday loan as it will inevitably cost you even more money. Consider instructing your bank or card provider to stop the payment being taken before the due date, if you cannot afford to repay the loan. Contact the Money Advice Service for impartial advice on credit and debt. Contact Citizens Advice or another not-for-profit debt advice agency if you are struggling to make repayments and need help.

Always safeguard your identity online and offline to avoid it being stolen by fraudsters to take out payday loans and other transactions in your name.

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