Victims in the "twilight economy" of otherwise booming cities are trapped by small-print conditions which lock short-term borrowers into repayments totalling thousands of pounds. There are advertisements everywhere these days from companies begging to loan you money. It is especially tempting when you are one of many working class citizens who desperately need those liquid funds in a hurry. Without looking too hard, though, it is possible to find a lot of horror stories about these loans going wrong. TV news magazines often report on consumer affairs by trashing a lot of places.

At some point of time or another many of you would have thought of taking up a homeowner loan, by putting up your home as collateral but there is a common apprehension attached to such loans that is in case of default in the repayment of loan the house might be reposed. The biggest problems arise when people are so involved in getting a loan that they don