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And while some borrowers did expect long sequences, those borrowers did not in fact actually have unusually long sequences; as Mann notes, “it appears that those who predict long borrowing periods are those most likely to err substantially in their predictions.
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Specifically, the lender could initiate transfers for such combined amounts only if the consumer's authorization includes a statement, in terms that are clear and readily understandable to the consumer, that the amount of one late fee or one returned item fee may be added to any payment transfer authorized by the consumer.
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Federal loans have protections including flexible repayment provisions
 Following complaints to the ASA in May 2013, Cash Lady adverts were re-edited to remove the phrase 'Fast Cash for Fast Lives'.
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