Short-term loans should not be used as a solution to ongoing debt problems and late or missed payments can place you in further debt. If you find yourself struggling with debt problems, there are a variety of organisations you can turn to for free advice:
The Money Advice Service
0800 138 7777
Debt Advice Foundation
0800 043 40 50
National Debtline
0808 808 4000
StepChange Debt Charity
0800 138 1111