The Real Cost of Borrowing e-consultation - have your say!

Key findings will then be fed into a wider research project being carried out on behalf of the Centre for Economic Empowerment by NICVA and Advice NI into the nature, extent and impact of both illegal and expensive legal lending in Northern Ireland.

Anyone struggling to make ends meet and cope with household bills and expenses can take part. Advice NI is particularly interested to hear from people who have accessed credit from expensive legal lenders like payday loans or illegal money lenders and are now struggling to keep up the repayments.

Advice NI can offer people access to Debt Action NI which is aimed at helping those most financially vulnerable in Northern Ireland. The service offers FREE, confidential and impartial debt and money advice services. The purpose is to help people manage their money and debt issues so they can take back control. It also aims to ease the stress and powerlessness people may feel about their financial situation.

Tell us about your experiences and issues, have your say!

To participate in the online discussion, log on to www.voiceni.net.

The eConsultation will run from 19th November to 17th December.