Maybe it could have been expressed better, but all in all it's good advice for someone in OP's position. Payday lenders say they might be willing to live with an ability-to-pay test, so long as it's not too costly or intrusive. Payday Loans may not be legal in your state. It depends on the agreement you signed. If you want to ask about changing your username, have login problems, have password problems or a technical issue please email forumteam moneysavingexpert. Start a Discussion in PF. Reclaim PPI for free
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