Listen to BBC Essex - John Hayes on Drivetime 6pm

Mike Thomas the 'debtwizard' is once more live in the studio talking about the 30% of callers that the debt charity CCCS cannot help because of their dire situation. In the second part of the show Mike explains what a 'Payday' loan is, how it works and offers a big warning if you cannot make that payment back at the first attempt.  You can either listen again on the the BBC iPlayer, move the timer to 02.09.22, this will only be available until 6pm, Wednesday 26th August or click on our 'launch player' to the right.