In March 2004, Clare and Shane (not their real names) took out a €92,000 mortgage with GE Money, ending an 18-month fight to consolidate their debts.
‘‘We had so many little bits and pieces of smaller loans and the repayments seemed to be very high so we wanted to put them all together,” said Clare. ‘‘Between loans for the car and the van and the credit union and some smaller loans we owed €47,000....
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