Payday loans promise easy access to cash for short periods. But they can charge £80 for a £300 loan for a month.
If you need money quickly, a payday lender may seem like a good option. But be aware that they charge interest of up to £30 for every £100 you borrow for a month. And if you can't pay back your loan, there could be other charges as well.
Paying off a loan early - check the paperwork as you may be able to make extra payments
Treat: if you've taken out a loan recently you can overpay. Trick: if your loan is older there may be penalties
If you’ve taken out a loan since February 1st 2011 you can make overpayments of up to £8,000 a year without having to pay a big penalty. That means if you paid a little extra every month, you could clear the loan earlier and save on interest payments. However, if you have an older loan, you may be charged a penalty if you make any extra payments. How do the rules work?
Your rights when shopping for clothes in the sales; what can you do if there's a problem?
Do you have the same rights if you buy something in the sales? And can you get your money back if you don't like what you've bought?
If you’re shopping for a bargain, in a shopping centre, high street or online, I hope you find what you’re looking for! But what happens if you don’t or if, you think you do, but discover there’s a problem after you’ve paid? You are protected by law if you buy something that's faulty. So make sure you know the rules, because the shop staff may not.