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Saying NO to payday loans in the UK

It seems that a very unpopular industry in the UK at the moment in the payday loans industry. They’ve been having lots of bad press ever since payday loans became main stream in around 2008 and things have been getting back to worse! It would seem that a small percentage of the people who struggle to repay their payday loans on time have complained that they shouldn’t have been allowed to take out their loan in the first place. Many argue that they should honour their agreement and repay their payday loan, others think they are being prayed upon by the payday lenders. Whatever you think, it’s clear that there is quite a lot of pushing and shoving, with even trying to put forward their point of view.

It’s true that borrowers should stick to their word and repay their payday loans when they promised to. It’s also true that with all the horror stories there is one major factor that is present. The payday loan customer failed to repay their payday loan on the date agreed before getting the money. No there is always lots of different reasons for this, but why should people get special treatment just because it’s a small amount of money? If you fail to repay your mortgage payments, you loose your house! Plain and simple.

Payday loan lenders and borrowers should both stick to their word. If you borrow money, repay it in full on the agreed date – no matter what! But on the other side of the coin, payday lenders should also cap their charges. We’ve seen some cases where lenders increase the amount due by over 1000%. No wonder there is lots of negative press around.

We think payday loans are a good idea to borrowers who need a small amount of money for a short period of time, who CAN always repay the lenders in full and on time. In order to get lower fees and charges, you can use promo codes to lower the amount you have to repay. Here are a few for popular lenders such as Wonga, Quick Quid and Pounds to Pocket.

Remember, if you can’t repay, don’t take out a payday loan. It can be really bad for your credit history for years to come.