Well, many people have horror stories regarding payday loans. Some found themselves in a cycle of debt. They took out a payday loan to cover an emergency expense, but then couldn't pay it back on time. So they had to take out another loan to pay off the first one, and it just kept spiraling. Also, there are cases where the terms were not clearly explained at the time of borrowing. The borrowers were not aware of all the fees and ended up in financial trouble.
There was a case where a person took a payday loan for an emergency. However, the lender had hidden fees. When the time came to pay it back, the amount was much more than expected. They couldn't afford it and it led to their bank account being overdrawn, ruining their credit score.
One horror story could be improper sterilization of the skin needling tools. This can lead to serious infections. I heard of a case where a person got a staph infection after skin needling at an unlicensed place. The skin became red, swollen, and extremely painful, and it took a long time to heal with the help of strong antibiotics.
One horror story is when a general contractor took a large deposit and then disappeared without doing any work. The homeowner was left with a big financial loss and had to start the search for a new contractor all over again.
One of the worst experiences I've heard was a person who thought they had enough in their account. They made a small purchase of just a few dollars but due to some pending transactions they weren't aware of, they got hit with an overdraft fee of $35. And it didn't stop there. Because of that initial fee, it put their account further into the negative and every subsequent small transaction over the next few days led to more $35 fees, totaling over $200 in fees in just a week.
One horror story is when an agent lied about the property's condition. They said there was no water damage, but after moving in, the new owners found a major leak in the basement. It cost them a fortune to fix.
Sure. There was a case where a borrower took a payday loan for a small amount, but due to the high interest, it doubled in no time. The consequence was that they had to cut back on basic necessities to pay it off. Another consequence is damaged credit scores. If you default on a payday loan, it can show up on your credit report and make it difficult to get other loans in the future.
Well, teachers in 'tefl horror stories' have faced many bad situations. They might experience being blamed for students' poor performance when it's actually due to other factors like the students' lack of effort at home. There are also stories of teachers being harassed by local staff in the school for no good reason. And some teachers have had to endure long commutes to the school in really difficult conditions, like on bad roads or in overcrowded public transport.
One horror story could be a co - worker who constantly steals other people's ideas. For example, in a marketing team, an employee spends hours coming up with a great campaign idea. Then, this co - worker takes it, presents it as their own, and gets all the credit. It's really frustrating for the person who actually did the hard work. This can create a toxic work environment and make the victim feel undervalued.
A common success story is when someone needs to cover a medical emergency expense. For example, a person had to pay for an urgent dental treatment. A payday loan provided the funds right away, allowing them to get the treatment without delay.
Sure. A young worker took out a payday loan to cover some unexpected car repairs. The interest rate was sky - high. By the time he got his next paycheck, he couldn't pay the full amount. So he had to roll over the loan. This kept happening and soon he owed three times the original amount he borrowed.