Loan sharks

Do not consider borrowing money privately.  You will likely end up paying out much more than you originally borrowed. A time may come when you are unable to make a repayment and you could find yourself, or your family, being threatened with violence. If you're worried about a money lender in your area, or being threatened by a money lender, you can report them to the Wales Illegal Money Lending Unit which operates a 24-hour confidential helpline on 0300 123 33 11.