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Enf Blog

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Enf Blog

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This is due to false assumptions doing the rounds, as well as dated information stemming back to the time before strict regulations came into force.

Here are some of the most common short-term loan myths debunked. While there may have been sharks operating in the industry in times gone by, this is no longer the case.

The short-term loans sector is now heavily regulated by the Financial Conduct Authority FCA , which means that lenders need to adhere to strict rules with regards to how they operate, while also offering complete transparency.

They believe that this is all designed to trap you into a vicious cycle of debt. The reality is somewhat different, however.

Many people are extremely wary of short-term loans as they think that the very high-interest rates and charges will catapult you into a never-ending cycle of debt.

The only time that costs might start to spiral out of control is if you fail to repay the loan back.

Regulations ensure that short-term loan providers are not allowed to employ underhand tactics to make you pay. Indeed, your repayment plan will be detailed in your contract so you know exactly when you need to pay and how.

Additionally, if you do feel that you are being treated unfairly by a loan provider, contact the Financial Conduct Authority or Trading Standards for advice.

Before the industry was regulated, it was certainly easier to obtain such a loan, but this is no longer the case. Short-term loan providers need to rigorously scrutinise every application they receive, making sure that each applicant is capable of paying the loan back.

Only then will the loan be approved. Indeed, since stricter regulations have come into place, the number of short-term loan application rejections has increased.

This is to safeguard both the consumer and the loan provider. In fact, if you show that you are a responsible borrower and can pay the loan back on time, this can have a positive effect on your credit rating.

It is only those borrowers who fail to keep up with repayments that will notice their credit rating worsen. There is something of a stigma regarding short-term loans.

People often take out a short-term loan to tide them over until they get paid or when other funds become available.

Diane After Work - Diane is tired of being boring, so she decides to have an after work adventure. Maggie's First Job - Meek Maggie struggles to control her classroom.

Holi's Babysitting Job - Holi is thrilled to land such a well paying job until she learns just how bad the twins can be.

Tradition - Love story revolving around a shy cheerleader. My wife calls it porn for girls. Amy Goes to the Masked Ball - Amy's friends?

Janet's Incentive Program - Janet is about to be fired, so she had better find a way to motivate her team fast! Mel's Last Minute Gift - Melanie wants to make her husband lose control in bed.

Kate and the New Office Program - Kate is volunteered to take part in a new program at work. Billy Makes a Wish - A dying boy has his wish fulfilled.

Tracey's Last Day of School - Based on Katie Smith's character, Tracey, a girl experiences a humiliating day at the hands of her fellow students.

Gina's Dares - A repressed young woman opens up to her friend about her exploration of exhibitionist dares. Dana Plays Paintball in the Office - She thinks she knows everything and can do anything.

He's about to prove her wrong. Redi's Punishment - After participating in a mean prank, a girl gets her comeuppance at the hands of her mother.

Abi's Summer - A girl with trust issues reveals all to her crush. The Dragon with the Naked Girl Tattoo - A blend of fantasy and erotica answering the question: why would a dragon have a tattoo of a naked girl?

Too bad her clothing refuses to cooperate. Safe Flight - Fresh off her humiliating trip through airport security, Lois steps onto the plane.

Too bad for her that she's both ridiculously horny and way, way underdressed. For My Boss? Comeuppance - In my new novel, Vandal , it turns out that the real villain isn't the titular character.

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Ich tue Abbitte, dass ich mich einmische, ich wollte die Meinung auch aussprechen.

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