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It can be dangerous, especially if you have other, more important bills to pay. MoneySavers Arms Time to relax In general, you cannot take out a payday loan for an amount exceeding the value of your next paycheck. We understand how to effectively guide you through the home loan or refinance process and avoid potential problems along the way. Here are the specifics:. You have a right to take them to the free Financial Ombudsman Service which can adjudicate. As long as you pay your loan on time, you will probably never have to worry about your loan impacting your credit history.

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