Are you inundated with SMSes offering loans at seemingly unbelievable interest rates? The National Credit Regulator (NCR) has warned consumers about unscrupulous credit providers or scam artists trying to take your hard-earned money.
If you are up against the wall, the chances of you either falling for a scam or taking out dangerous levels of debt increases.
While some may be offering you legitimate insurance or credit, some are offers are from unscrupulous lenders and then there are also criminals attempting to scam you out of money without providing a service at all.
The trick is to discern the legitimate offers from the dodgy