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    Borrowing money

    Borrowing money

    Solve problems when you owe money for loans, fines or if you buy on credit.

    On this page

    • Payment problems

      What to do if it's hard to repay loans, credit contracts, fines, and other debt.…
    • Debt collection and repossession

      Your options when debt collectors act on overdue debt from loans, credit contracts or fines.
    • Unfair fees

      Banks and other lenders can charge fees. What's fair and when do common fees apply?
    • Credit checks, scores and history

      How credit scores work, the impact of bad credit, and how to improve your score.
    • Loans and lenders

      Secured and payday loans, guarantors, and overdrafts. Understand the best credit options for you.
    • Mortgages and home loans

      Your rights and choices in this common and complicated financial arrangement, and what to do…
    • Guarantors

      A guarantor repays someone's debts if they don't pay. It's risky, so know your rights.
    • Bankruptcy and insolvency

      If you're in serious debt and cannot meet your repayments, insolvency can be an option.…
    • Credit contracts: Plain English definitions

      Loan documents set out rules you and your lender must follow until money is repaid…
    • What lenders must do

      Rules banks and other lenders must follow to make sure loans and credit are affordable…

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