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BBC ONE's Real Story has uncovered concern about celebrity-led advertisments that can lead to borrowers putting their homes at risk by consolidating existing debts into loans secured against their property.
In one featured case loan company FIRSTPLUS lent Emma and Kris Galloway more than the equity of their property.
The salesperson claimed that other companies will only consolidate loans up to 95 per cent of the value of a property - but in a transcipt obtained by the programme FIRSTPLUS said that they will lend into 'negative equity'.
The Galloways decided to contact FIRSTPLUS - the biggest loan consolidation company in the UK - after they saw an advert for the company promoted by Carol Vorderman.
They had debts of more than ?20,000 across a variety of credit and store cards and wanted to extend their credit and pool their loans into a single payment.
Their joint income at the time was only ?18,000 a year, yet they were lent more than ?47,000 secured against the value of their home.
When they took their loan out in December 2003 their interest rate was 10.9 per cent - since then it has risen to 12 per cent.
FIRSTPLUS reserves the right to alter their interest rates to reflect base rate rises or to "improve their service to customers".
The subsequent rise in the Galloway's monthly payments means the couple are now struggling to meet their monthly payments.
Independent loans analyst Iain MacQueen-Sims is critical of loan consolidation, saying: "The Americans tend to call it predatory selling where you take advantage of a particular borrower's situation.
"They're called toxic loans because they can damage your financial health. You end up being in a worse situation than you were before. This is bad news especially when your home is at risk."
Next year the value of the secured lending industry in the UK is likely to be worth more than ?30bn.
However, independent charity the Consumer Credit Counselling Service (CCCS) believes other options should be considered before converting unsecured loans into loans secured against the value of a property.
The CCCS is supporting an appeal to Carol Vorderman to stop promoting secured loans.
CCCS Chair Malcolm Hurlston tells the programme: "I think the problem is because of her high profile, she is well known for having a kind of expertise and this is transferred in the mind of the consumer.
"I think there's a very great danger for anything that is heavily advertised and promoted that will lead people towards a conclusion which is unsuitable for them."
FIRSTPLUS told the BBC the company has never repossessed a home: "We hope that Carol gives people the feeling that FIRSTPLUS can help restructure debts quickly, simply and responsibly.
"The vast majority of FIRSTPLUS customers experience no problems and we receive dozens of thank you letters to that effect."
Carol Vorderman declined to comment.
Real Story: Home or a Loan? will be broadcast on BBC ONE on Monday 8 May at 7.30pm.
NL

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For the first time in my life i couldnt think what I wanted! Now is that weird or what ,she still expects a Letter from Santa ! ok she's passed that stage but its a tradition and a bit of a joke between us!
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December. 2005.
Researchers at the School of Applied Sciences in Melbourne, Australia find that eating foods with a low glycemic index and high in protein lessened the severity of Acne Vulgaris in young males...
December 19. 2004.
Researchers at the University of Leeds and Nottingham find that benzoyl peroxide is as effective as oral antibiotics for acne treatment...
July 30. 2004.
Researchers crack the genetic code of the bacterium involved in acne...
This may lead to new treatment that directly targets enzymes used by the bacterium to breakdown human skin...
June 15. 2004.
Researchers in the United States test N-Lite and pulsed dye laser treatments in acne...
They concluded that the therapy had little impact on the 40 patients they tested... However, they do not rule out the fact that this therapy may help some individuals....

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