Buyer beware

No strings attached
To this personal loan
No strings attached
To this great deal on a mobile phone

But added to your loan was PPI
And the Apr was mental
And the 24 month mobile deal
in reality is expensive rental

No strings attached
To this great apr rate, on a shiny new credit card
No strings attached
To catalogue shopping when money and times are hard

But the transfer rate it doesn't last
And when it goes up it rockets
And the £49 coat you bought
Will cost you 90, emptying your pockets

No strings attached
To this 0 deposit on a brand new car
No strings attached
To a free sky box so the kids think your a star

But 3 years on you'll be lucky
If your car is half your own
And although the kids are still watching sky
The costs mean payday loans

No strings attached
To these loans either
No strings attached
And they won't mind ya
Paying back late
When things are tight
Or lending you more
To see you right
And making sure
That your hundred quid loan
Lasts for years
And is secured on your home

Before you know it
You're totally tied up
With apparently no strings

So how the hell
Do you change this mess
And get on with other things

Like living, sleeping
Having fun
All concepts you have lost
Because with all that no strings shite you bought
Were hidden very heavy costs.

The burden on you personally
Much bigger than the finance
The welfare of your family's at stake
So you carry on this dance

Consolidation, that's the key
Or so daytime telly says
So one massive debt is all you've got
It's yours in a matter of days

I'm afraid this dance is permanent
A vicious circle you are in
You lend to pay your borrowings
And go a few quid further in

Because the Payments have now gone down
You take the extra grand
But the term extended by 3 years
You're sinking in the sand

The corporations know
That you are dying on your arse
But it doesn't matter for a minute
The safeguards are a farce

You're competent
You have got a job
And can afford the monthly fees
They really do not care
That you are broken
On your knees

So where to next?
Is it break the law, or go on Jeremy Kyle?
Or just do both, lets do it
Lets really go out in style

Alcohol and drugs are next
Where will this pain all end
The hope is that you have someone
A really solid friend

Someone who will help you
See the error of your ways
And help you see that once again
You can have better days.

Without that friend, this familiar tale
It always ends the same
Prison, drugs or suicide
They're ways to stop the pain.

No strings attached
To this personal loan
No strings attached
To this great deal on a mobile phone

It's a slippery slope
So please take care
Apply the rule
Buyer beware.