Your current credit commitments will be taken into consideration when our automated system makes a decision and we only lend to people whom we believe can afford the service. But if you know you’re already experiencing problems meeting existing financial commitments, please don’t apply in the first place. Our loan will only add to your commitments and it will need repaying within a month. Instead, we recommend you talk to a debt counselor in your area. For a list of all registered debt, counselors go to the
National Credit Regulator or you can call 0860 627 627 for information on how to find one in your area.