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Lyndall bought a lot of items on Zip Pay—and had always been able to meet the repayments. However, when Lyndall lost her job several months ago she continued to purchase items on ZipPay and can no longer afford her repayments. Does this sound like you?

Mary and Bill had been together for ten years and had two children aged 7 and 9. Mary asked Bill to leave after his drinking and drugging got too much for her to handle. Does this sound like you?

Jerry organised payday loans before his actual pay day as he was struggling to make it from pay to pay. Jerry was approved for 2 loans. Each loan was for $2000. He was also charged a $400 each time for an establishment fee and an $80 per month account servicing fee. Does this sound like you?

Jo needed a new fridge as her old one was on its last legs but living on her Centrelink benefit meant that she could not afford one. Jo looked at Rent to Buy options and at getting a cash loan. Does this sound like you?

Ray was charged with drug offences. He was remanded in custody with debts including a car loan, mobile phone contract, Child Support payments, Afterpay & direct debits set up. Ray also lost his wallet in the process. Does this sound like you?

When Grace was in her 30s she lost her uncle and her uncle didn’t have any funeral plan or any money to pay for his funeral, so his partner at the   me paid a lump sum $2,000 and Grace agreed to pay the remaining amount of $6,000. Does this sound like you?