It is half past three in the morning and Viwe cannot fall asleep. Ever since she was a student at university, using credit has been a fast and efficient way to fund her entertainment and living expenses. Now, five years after graduating, she is kept awake by what feels like a never-ending nightmare. Viwe is caught in a debt trap and needs a bad debt consolidation loan!
Each month Viwe has to find enough money to pay her many accounts. She juggles things around, paying one this month, skipping next month to pay another; robbing “Peter to pay Paul” and borrowing more to avoid legal action. All of this leaves her feeling confused and dizzy. By the next month she doesn’t know what is left in her bank account and can’t remember who she has paid and who she owes! With each month and year that has passed, Viwe has missed many of her monthly instalments to various credit providers and has started to accumulate additional interest and fees on her accounts in arrears. Her credit score has been severely impacted and she can no longer get credit. She is trapped!